Simply Finance: Money Tracker

Simply Finance is a private, manual-first budget and expense tracker. Its
question-first Home tells you what changed, what comes next, and whether your
plan fits your income—without connecting a bank account.

ANSWERS, NOT ANOTHER DASHBOARD

• Safe-to-spend guidance after essentials, bills, and goals
• A clear answer on whether planned spending fits your monthly income
• Changes from last month explained in plain language
• Financial runway based on available cash and spending

ASK AI, ON YOUR TERMS

• Ask questions grounded in your own finance history
• Install the supported on-device model for private, offline answers
• Or connect a supported cloud provider with your own API key
• Cloud AI is off by default; selected context goes directly to the provider
you choose and never through Simply Finance servers

PRIVATE BY DESIGN

• No bank login, signup, email, ads, analytics, or behavioral tracking
• Your finance database stays on your device and the app works offline
• Sync is an optional feature; whenever enabled, finance records are always
end-to-end encrypted
• The hosted relay cannot decrypt your financial database—even if we wanted to
• Portable exports keep you in control of your own data

PRACTICAL MONEY TOOLS

• Checking, savings, credit card, cash, and custom accounts
• Fast income, expense, and transfer entry
• Daily, monthly, and yearly category budgets
• Recurring bills, income, schedules, and reminders
• Savings goals and progress tracking
• Detailed cash flow, net worth, spending trend, category, and tag reports
• Financial Runway and Future Sight projections
• Multi-currency accounts with editable FX rates
• Tags, search, export, and dark mode

SWITCH WITHOUT STARTING OVER

Import supported transaction exports from Copilot, YNAB, Monarch, Mint,
Simply Finance, or a compatible CSV. Preview transactions, accounts,
categories, dates, and duplicates before saving. Re-importing skips entries
already in your ledger, so you can try a copy of your history before switching.

MANUAL-FIRST ON PURPOSE

Simply Finance does not connect to your bank. Manual entry avoids broken feeds
and duplicate imports while keeping you aware of each transaction. If automatic
bank feeds or shared household accounts are essential, this app may not fit
your workflow.

Download free and use the core tracking, Home answers, Ask AI, budgets,
recurring schedules, goals, and imports. One Full Version purchase unlocks
encrypted device sync and detailed reports. Nothing renews. Purchases are tied
to your Google Play account.

Recent changes:
Improved sync reliability when changing custom relays.
Simplified transaction confirmations and polished localized error handling.