Bilanco: Budget & Debt

Full control of your financial life, right in your pocket!

Bilanco is not just a debt tracker. Build your plan to get out of debt, see your
income-expense balance, follow the value of your assets in real time.

**WHY Bilanco?**

- Automatic credit card interest and tax calculations
- Gold, silver, foreign currency and crypto integration
- Focused on taxation across 21 countries, 26 currencies supported
- Instant access to local market data

**Real Debt Projection**
How tiered interest works on your credit card, when your loan ends, how much your gold debt
grew at market price — all in clear numbers.

**Smart Simulation Engine**
Answer "if I pay 5,000₺ this month, when does it end?" in seconds. Compare different payment
scenarios.

**Comprehensive Debt Management**
- **Credit Card:** Tiered interest, minimum payment, automatic tax calculation
- **Loan:** Annuity instalment plan, remaining payment view
- **Cash Debt:** Per-person tracking, with or without a due date
- **Precious Metals:** Live rate impact on gold/silver debts
- **Forex & Crypto:** USD, EUR, Bitcoin, Ethereum and more

**Smart Payment Planning**
- Build your monthly payment calendar automatically
- See how much to pay on which day
- Minimum payment and interest amounts calculated automatically
- Payment day reminders via notifications
- Let due payments be marked "paid" automatically

**Works Around Your Payday**
The app builds the month around your payday, not the calendar month. Enter your starting
balance and see your remaining balance day by day.

**Income & Expense Control**
- Ready-made expense categories (rent, groceries, transport, leisure...)
- Recurring payments: weekly, biweekly, monthly
- Monthly budget tracking and variance analysis
- Income-expense balance chart

**Asset Portfolio**
- **Gold:** Quarter, half, full and Republic gold
- **Silver:** Tracked by the gram
- **Forex:** 26 different currencies
- **Crypto:** Bitcoin, Ethereum, USDT and popular coins
- **Term deposit:** Interest accrues daily, reflected in the value instantly
- Valuation at live market prices
- Net worth: Assets − Debts = your financial strength

**Available Balance or Reserve?**
Your gold, foreign currency and term deposits count as "reserve" and stay out of your
spendable balance — "what I own" never gets mixed up with "what I can spend this month".

**Savings Goals**
Set your target amount and date, prioritise them, watch your progress.

**Live Market Data**
- Gold: gram, quarter, half, full
- Silver: by the gram
- Forex: USD, EUR, GBP, JPY and 22 more
- Crypto: Bitcoin, Ethereum, BNB, ADA, DOGE...
- Follow price movements on charts
- Automatic rate updates

**Summary and History**
- Monthly financial summary: your situation at a glance
- Debt progress line: how close are you to your goal?
- Net worth trend: are you getting wealthier?
- Payment history and transaction history: what you did and when

**Financial Calendar**
- Income, expenses and debt due dates, day by day
- Daily remaining balance projection
- Colour-coded categories
- Filterable view

**SECURITY & PRIVACY**
- Biometric lock with Face ID / Touch ID
- Your data is stored encrypted on your device, the server connection is encrypted
- Keep using the app offline — your actions are queued and synced automatically once you
reconnect
- Your data is tied to your account; just sign in when you change phones

**USER EXPERIENCE**
- Modern, clean interface: no tangled menus, everything one tap away
- Dark & light theme: pick the mode that suits your eyes
- 21 language support
- Sign in with Google: quick setup, start right away
- In-app guide and frequently asked questions

**WHO SHOULD USE IT?**
- Anyone who wants to reduce credit card and loan debt
- Gold, foreign currency and crypto investors
- Anyone who wants to balance income and expenses
- Anyone preparing for a debt-free future

*Note: Market data is for information only. Discuss investment decisions with professional
advisers.*