Glean: Offline Expense Tracker

Glean is an offline expense tracker that fills itself in. Your bank already tells you every time money leaves your account. Glean reads those alerts on your phone and keeps the ledger for you, wherever you live and whichever bank you use.

No sign-up. No bank login. No internet permission.


IT ASKS FOR NO INTERNET PERMISSION

Glean does not hold permission to reach the internet. That is not a promise in a store listing: it is a permission Android will not grant it. No account, no bank login, no sync, no server. Your records live in one file on your phone, backed up to a folder you choose.


IT RECORDS WHAT YOUR BANK TELLS YOU

When your bank or wallet sends a payment alert, Glean drafts the entry: merchant, amount, account and its best guess at the category. Swipe to confirm, tap to fix, or discard it if it was not a purchase.

Any bank in any country works. Teach Glean yours once: open a real alert, tap the amount, tap the merchant, and it reads that wording from then on. No template, no setup screen, no internet.


IT LEARNS FROM YOUR CORRECTIONS

Fix a shop once and it arrives right the next time. The first fuel stop asks a question. The eleventh does not. All of it on the phone.


YOUR MONEY REPORT

Glean turns what you record into plain answers:
- How long you would last if your income stopped, counting only the money you can actually reach
- The year you are debt-free, and how much sooner a little extra each month gets you there
- What your retirement fund could pay you, in today's money after growth and inflation
- Which way your net worth is moving, month by month

Everything you enter stays free to keep, view and export. The report is a one-time unlock. No subscription.


EVERY MONTH, AT A GLANCE

What you have spent so far, your usual by today, what is still to come, and how much of your income is already promised to bills and loans. Set a monthly budget for any category and see which ones run over. Weekly, monthly and yearly views show when and where the money goes.


IN YOUR CURRENCY

US dollar, euro, pound, yen, Singapore and Australian dollars, ringgit, rupiah, peso, zloty, baht and dong. Pick yours and Glean writes money the way that currency is written, and reads your bank's alerts the same way.


SKIP A WEEK, NOTHING RESETS

Glean keeps reading while you are away. Come back and the alerts are waiting to be confirmed. There is no streak to lose.


TAX RELIEF, IF YOUR COUNTRY HAS IT

Name your relief items and their yearly caps, tag your spending, and Glean shows what is still claimable with the days left in the tax year. Malaysia's published figures come built in. Export a relief summary or a full statement as CSV or PDF.


WHAT IS INSIDE

- An automatic spending tracker, with a confirm queue you swipe through in seconds
- Teach any bank's alert with two taps
- Merchant memory that learns from your corrections, on the device
- Accounts, loans, transfers and net worth in one place
- The money report: runway, debt-free date, retirement and trend
- Daily, weekly, monthly and yearly views
- Category budgets, and tax relief items and caps per tax year
- Home screen widget, CSV and PDF export, backup to a folder you pick


One personal finance app for expenses, budgets, bills, debt payoff and net worth, and it works offline.


HONEST LIMITS

- Capture reads what your bank chooses to alert. Some banks do not alert every payment, and some send no amount, so it will not catch everything. Add the rest with +.
- A handful of banks are recognised without setup, currently all Malaysian. Everywhere else you teach your own, which takes one alert and two taps.
- The money report is an estimate from your own records, not financial advice.
- Relief figures come from your records against the caps you enter. Verify before you file. Glean does not give tax advice.
- No bank connection and no cloud backup. Both are deliberate.
- Android only. iPhone does not let one app read another's notifications.

Recent changes:
• What if now counts every loan in What you owe, including a mortgage set up as a repeat and imported instalment plans.
• The What if chart is cleaner: each loan end is a dot. Tap it to see which loans end, when, and what stops.