Wise Money - Budget Tracker

Wise Money is a private, offline budget tracker. Everything you record lives in a database on your own device — there is no account to create, no server to sync with, and nothing to lose when you have no signal.

MONEY IN, MONEY OUT
• Record income and expenses in seconds.
• Split one payday across several accounts — part into Saving, part into Spending, as a single entry.
• Move money between your own accounts with transfers that never change your total.
• Attach a note to anything worth remembering.

ACCOUNTS THAT MAKE SENSE
• Start with Spending and Saving, then add as many as you like: Travel, Emergency Fund, Cash, whatever fits how you actually think.
• Give each account its own icon and colour.
• Reorder them so the one you use most sits at the top.

NEVER FORGET WHO OWES WHO
• Track what you lend and what you borrow, person by person.
• Set a due date, or leave it open.
• Settle a debt in a single tap — and unsettle it if you tapped too soon.
• Your net worth already accounts for all of it: your balance, plus what you are owed, minus what you owe.

SEE WHERE THE MONEY REALLY GOES
• Every employer, shop and payee becomes a source, totalled automatically and ranked from biggest to smallest.
• Open a source to see its income, its expenses, and any debts tied to that person.
• Filter your full history by any date range you like.

BUILT FOR REAL CURRENCIES
• Choose your currency and the app follows its rules — the Iraqi Dinar is whole numbers, with no meaningless decimal places.
• Change currency later and every amount you have already recorded is converted at a rate you supply.
• Amounts are stored as exact whole units, so your totals never drift the way a spreadsheet's do.

YOUR DATA IS YOURS
• No sign-up. No cloud sync. No ads. No tracking.
• Your ledger never leaves your device. The only thing Wise Money ever asks the network is whether a newer version exists.
• Export a complete backup to a single file, then import it on a new device.
• Clear everything whenever you want, and it is genuinely gone.

Wise Money never asks who you bank with, and it never sends your numbers anywhere.