Offline Budget Expense Tracker

A private expense tracker, budget planner and money manager that works fully offline. No sign-in, no bank login and no Internet permission. Track expenses, see where your money goes, and know what is safe to spend today.

Personal finance should stay personal. Your income and expenses, wallets, bills, receipts and net worth stay on your phone. Set a monthly budget, log a purchase in seconds and see your finances in one clear picture.

Safe to Spend: Your Daily Budget in One Number
• See what is really left to spend, after the bills already coming up
• Safe to spend today and this month, with a 14-day spending trend
• Category limits with progress bars
• Hide every amount with one tap

Expense Tracking with Wallets
• Add an expense or income on one screen: amount, category, wallet, date, merchant, note and any currency
• Cash, bank accounts, savings, credit cards and digital wallets, each with its own balance (3 wallets included, more with Pro)
• Every expense shows which wallet it was paid from
• Transfers between wallets are never counted as spending or income
• Multi-currency budgeting with your own conversion rates. Type the amount from your bank message and the app works out the exact rate used

Spending Tracker and Reports
• Where your money goes, how you are doing, and a comparison with the period before
• Daily expenses, weekly and monthly trends, from this month to custom dates
• Top categories at a glance

Bill Reminder and Planner
• Rent, subscriptions, instalments, loans and money owed to or by you, in one list or calendar
• Swipe to mark a bill paid, with optional reminders before it is due
• Six-month bill forecast and repeating-charge finder (Pro)

Receipt Scanner
• Scan with the camera, or pick a photo or screenshot from your gallery
• Reads the QR code or the printed total, store and date with on-device text recognition
• You check everything before it is saved (5 scans included, unlimited with Pro)

Auto-Capture from Bank Notifications (Best Effort)
• If you turn it on, the app reads money alerts from the apps you pick and lists them to check. Nothing is saved until you confirm
• Notification text is read on your phone and never sent anywhere. Switch notification access off any time
• Best effort: Android or your phone brand may block some alerts (first 30 included, unlimited with Pro)

Net Worth Tracker
• Add what you own (cash, savings, stocks, crypto, property) and what you owe, and see your total net worth
• You type the values, so the app never goes online. Breakdown, trend and Net worth PDF with Pro

PDF Expense Reports (Pro)
• A PDF expense report for any period: totals, category charts, biggest expenses and every entry
• Receipt photos attached, each matched to its entry
• Work claim PDF for business expenses, plus a year in review PDF

More Tools
• Savings goals (2 included), duplicate warning and a recycle bin
• Sent abroad totals for money you send home (Pro)

Private by Design: Offline, No Account
• No Internet permission. The Privacy Proof screen lists every permission, read from your phone right now
• No account, no sign-up, no bank login
• Backup to one file you keep, with optional password encryption (AES-256). Android cloud backup is off for this app
• CSV export and import, so your data is always yours
• App lock with fingerprint, face or phone PIN

Pro Gold: One-Time Purchase
Pro is an optional one-time upgrade, not a subscription. The core expense tracker and budget planner has no time limit. Backup and export are never locked.

Set a budget, add your first expense and see what is safe to spend. A simple offline expense tracker, spending tracker and money manager for household budgeting, freelancers and anyone who wants to track spending without a bank login. This app describes your own entries and does not give financial advice.

Recent changes:
Added Rate this app. The screenshot setting now works right away. Clearer comparisons in Reports and PDFs, accurate Net worth percentages and trend, a better Year in review, and small layout fixes.