Granule: Expense Tracker

Granule is a private personal finance manager, budget tracker, expense tracker, and net worth tracker built to give you the full picture of your money.

Track income and expenses, manage budgets, monitor subscriptions, build savings goals, track assets and loans, organize taxes, and see where your finances are heading. Your financial records stay on your device.

AVAILABLE MONEY, NOT JUST YOUR BALANCE

Your account balance is not always what you can afford to spend. Granule separates available balance from ledger balance, keeping money reserved for savings goals and upcoming commitments out of your spendable money.

DAILY BUDGET & SPENDING HEATMAP

Set a monthly budget and Granule automatically turns it into a daily spending allowance. Spend less today and you have more room later. Overspend and your remaining daily budget recalculates automatically.

A morning notification gives you your budget for the day, while the spending heatmap turns months of spending into an easy-to-read calendar of your habits.

FINANCIAL HEALTH SCORE

Understand your financial health with a real-time score based on liquidity, savings rate, stability, and financial trend.

Granule calculates each area and explains in plain language what is working and what may need attention.

YEAR-END FINANCIAL FORECAST

Based on your actual pace, Granule projects your year-end income, expenses, and net balance, with comparisons to the previous year.

It also calculates your financial survival estimate: how many months your current savings could support you if your income stopped.

SUBSCRIPTION TRACKER

Keep recurring subscriptions in one place. See monthly and yearly subscription costs, renewal dates, and how much of your income goes toward subscriptions.

Get reminders before charges arrive, and let Granule automatically record renewals as expenses.

NET WORTH & ASSET TRACKER

Track your net worth across cash and financial accounts, foreign currencies, cryptocurrencies, precious metals, property, vehicles, and other assets.

The Net Worth Trend shows how your wealth changes over time, with week, month, year, and all-time views.

SAVINGS GOALS

Create savings goals with a target amount and deadline. Track percentage completed, amount saved, amount remaining, and days left.

Money assigned to an active goal is treated as locked, so savings are never mistaken for everyday spending money.

INCOME, EXPENSES & REPORTS

Browse transactions across any date range. Search transactions or filter by category and account.

Compare income and expenses across periods, explore charts, and drill down into category and subcategory breakdowns to understand where your money goes.

TAX TRACKER & REPORTS

Mark expenses as tax-deductible and income as tax-exempt as you record them. Granule organizes these transactions throughout the year, giving you a running tax view and a polished PDF report when you need it.

LOAN TRACKER

Track money borrowed and money lent, including repayments, balances, progress, and due dates.

Keep loans marked as active, repaid, forgiven, or written off as bad debt, and receive reminders before due dates.

PRIVATE BY DESIGN

No Granule account. No email sign-up. Your financial records stay on your device.

Granule uses internet access for features such as live exchange rates, Pro access validation, and anonymous usage analytics. Your financial records, balances, transactions, are not uploaded to Granule's servers.

ONE APP. THE FULL PICTURE.

Granule brings budgeting, expense tracking, income tracking, net worth, assets, subscriptions, savings goals, financial forecasting, tax tracking, loans, and multi-currency tracking together in one private money manager.

Know what you can spend today, how the month is going, and where your finances are heading next.

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