Pact Personal Finance Budget

Pact is a personal finance app that makes budgeting simple — on your own, or with the people you share money with.

Track every expense, set a monthly budget, scan receipts, manage loans and grow your savings. Start solo in your Personal Wallet and switch to a shared family wallet whenever you want. No ads. No spreadsheets. No group-chat math.

📊 BUDGET & EXPENSE TRACKER
Log income and expenses in seconds, auto-categorised. Set monthly budgets per category and see exactly where your money goes before the month ends, with clear charts and spending insights.

🧾 SCAN RECEIPTS
Point your camera at a receipt and Pact reads the total for you — on-device, no typing. Keep every receipt in the Receipts Gallery.

💸 SPLIT BILLS & SHARED EXPENSES
Split any expense evenly or by custom amounts with family, a partner or roommates. Everyone sees the same live balances, so "who paid what" never turns into an argument.

🤝 LOAN & IOU TRACKER
Money you lent or borrowed, tracked properly. Log repayments, see what is still outstanding, and get reminders — money you lent stays clearly separate from what you owe.

🎯 SAVINGS GOALS & NET WORTH
Set savings goals and fund them over time, alone or as a group. Track accounts, assets and liabilities to see your real net worth at a glance.

🔁 SUBSCRIPTIONS & RECURRING BILLS
Catch every recurring charge. Track subscriptions, set bill reminders and automate recurring transactions so nothing slips.

🌍 MULTI-CURRENCY, BUILT FOR YOUR REGION
Full multi-currency support with correct local symbols — including the new UAE Dirham. VAT tracking, tax reports and a Zakat calculator are built in for the Gulf and India.

🧰 MORE TOOLS
Quick templates, shopping lists, warranty tracking, bank statement import, a spending calendar and a Smart Assistant for your money questions.

🔒 PRIVATE BY DESIGN
Your data lives on your device, encrypted. Lock the app with a PIN or biometrics. Use it fully offline as a guest — no account needed, and we never sell your data.

✨ FREE — NO ADS
Every feature is unlocked and free to use, with no ads. An optional subscription will arrive later to cover servers and upkeep, and you will get plenty of notice first.

👥 PERFECT FOR
• Anyone who wants a simple personal finance and expense tracker
• Couples running a household budget together
• Roommates splitting rent, groceries and utility bills
• Freelancers tracking income, expenses, VAT and tax
• Anyone who lends money to friends and wants to be paid back
• Savers working towards a goal, a trip or a big purchase

WHY PEOPLE CHOOSE PACT
Most money apps make you pick: a personal finance tracker just for you, or a bill-splitting app just for groups. Pact does both. Your own private wallet for daily expense tracking and budgeting, plus shared wallets for the money you manage with other people — in one app, with one clear picture of where you stand.

Whether you are budgeting solo, splitting rent with roommates, managing the household budget with your partner, or keeping track of money you lent a friend — Pact keeps it all in one place.

Download Pact and take control of your personal and family finances today.