Money Patterns

Money Patterns records everyday spending and then does the part most trackers skip: it names the pattern. Which category leads, which day of the week costs the most, whether this month is running above the last one, and what a small change to one habit is worth over a year.

LOGGING TAKES SECONDS

A large keypad, the amount, one category chip — bills, coffee, entertainment, food, shopping, transport — and save. That is the whole entry. The list keeps every one of them, searchable and editable.

THE MONTH AT A GLANCE

The home screen carries what is left in the month and how many days are still to go, the change against the previous month, a spending trend that fills out as the months accumulate, and a ring showing the share of the month each category took.

INSIGHTS, NOT JUST CHARTS

Written observations drawn from your own entries: the leading category with its amount and share, the single most expensive day and how many purchases made it, and whether you are ahead of or behind last month's pace at the same point.

BUDGETS

Set a monthly limit per category and watch the bar and the remaining figure. The categories you never overspend need no limit; the one that keeps slipping is obvious after a month of records.

THE WHAT-IF SIMULATOR

Pick a category, drag the reduction from a little to a lot, and see what the saving is worth per month, per year and over five years with growth applied. Cutting a coffee habit in half sounds trivial until the five-year figure is on screen.

SAVINGS GOALS

Name a goal, set the target and the date, put in what you have already, give it a colour, and follow the percentage. Several run side by side.

WHAT IT DOES NOT DO

No bank connection, no sign-in, no subscription. Nothing is imported and nothing is uploaded: you enter the amounts, and they stay in the app on the device.