Silo - Budget & Bills Tracker

Silo is a private, offline-first money tracker. No cloud, no ads, no bank logins, no account required — everything stays on your device.

Open the app and instantly see what's safe to spend today, your spending pace, and a forecast of your balance for the weeks ahead.

WHAT YOU CAN DO
• Safe-to-spend, daily — know what's free to spend, with over-pace warnings and a run-out-date prediction
• Budget your way — a simple 50/30/20 split or detailed per-category caps with alerts; move funds between caps in a tap
• Analytics — see where your money goes: monthly spend, income, savings rate, and multi-month trends
• Accounts & net worth — cash, cards, loans and investments unified into one net worth, with history built from your own ledger
• Bills, debts & splits — bills, who owes whom, split bills, installments and loans in one place
• Recurring that logs itself — subscriptions and salaries auto-log (or ask first); Silo even surfaces recurring charges hiding in your history
• Forecast & calendar — a day-by-day view of money in, out, and transfers
• Goals & wishlist — save toward what matters and plan the big buys
• Trips & multi-currency — budget every trip and spend in the local currency, unified in your home currency
• Fast logging — log from a Home Screen widget, Back Tap, or scan a receipt total; Silo recognizes merchants and suggests the category
• Private by design — Face ID lock, hide-amounts glance, and fully offline

Silo is for people who want clarity over their money without handing their data to anyone.

Not a bank. Silo is a personal ledger you keep yourself — no bank connections, transfers, lending, trading, or financial advice.