Granule: Budget Tracker

Granule is a personal finance manager built for people who want the full picture, not just a balance. Know what you can spend today, where the month is heading, and what the year ends at, what your net worth is, tax tracking, subscription tracking - all on your phone, with nothing sent to anyone.

AVAILABLE VS LEDGER BALANCE
Granule separates what you can actually spend from what you simply hold, so the number you act on is always available money, free of locked savings and upcoming bills. Your expense and income categories fill as you spend/earn, showing exactly how much of each budget remains before you go over/hit your target.

DAILY BUDGET & SPENDING HEATMAP
Set a monthly budget and Granule splits it into a daily allowance, adjusting automatically as you go. Overspend on one day and the remaining days recalibrate on their own. A morning notification delivers your daily spend budget before you reach for your card. Your budget heatmap, on the other hand, turns months of spending habits into a calendar you can read in a glance.

FINANCIAL HEALTH SCORE
A real-time score built from four pillars of your finance pattern: liquidity, savings rate, stability, and trend. Granule's robust model calculates all four, produces a score, and explains in plain language what is working and what needs improvement.

YEAR-END FINANCIAL FORECAST
Based on your actual pace through the year, Granule projects where your income, spending, and net balance will land by year-end, each figure set against last year so you see your trend and course-correct on time. It also calculates a survival estimate: how many months your current savings would carry you if your income stopped today.

SUBSCRIPTION TRACKER
Track all your subscriptions in one place. Granule totals your recurring commitment, shows the percentage of your income going to auto-renewals, alerts you before each charge hits, and logs every renewal as an expense automatically so you don't have to manually enter these charges.

NET WORTH & ASSET TRACKING
Track net worth across fiat accounts, foreign currencies, cryptocurrencies, precious metals, and other assets such as property and vehicles. The Net Worth Trend is the chart you've always wanted for your money. It plots how your total wealth has moved every day across whatever period you choose, and you can switch between week, month, year, and all-time to zoom from the last few days all the way out to the full arc of your financial life.

SAVINGS GOALS
Create financial goals with a target amount and a due date. Granule tracks percentage complete, amount saved, amount remaining, and days to the deadline. Money parked in a goal is flagged as locked across the entire app so it is never mistaken for spendable balance.

TRANSACTION HISTORY
Browse any custom date range and Granule frames it with opening balance, closing balance, and net change. Search transactions, and filter by category or account.

INCOME & EXPENSE REPORTS
Gain deeper insights into your finances with period-to-period income & expense comparisons, charts, and detailed category & subcategory breakdowns.

TAX REPORTS
Mark expenses as tax-deductible or income as tax-exempt when you record them, and generate the initial tax report. Granule builds the year-end report automatically in the background all year long. When you need it, share as a polished PDF in a tap.

LOAN TRACKER
Track loans given and taken with repayment progress, outstanding amounts, and due dates. Keep track of loans marked as active, repaid, forgiven, or written off as bad debt. Granule notifies you before each loan's due date arrives.

PRIVATE BY DESIGN
No account required. No sign-up. No server holds your data. Everything you record stays on your device. Granule connects to the internet only to fetch live exchange rates and verify Pro access. Nothing you type is ever read, stored, or shared.

Granule is Available in English, French, Spanish, German, Italian, Portuguese, Japanese, and Chinese.