Expense Tracker: Budget & IOUs

Take complete control of your personal finances with Expense Tracker — the all-in-one, offline-first money manager designed for speed, privacy, and smart budgeting.

Whether you want to track daily spending, split bills with friends, manage borrow and lend debts (IOUs), or auto-scan paper receipts with your camera, Expense Tracker makes financial tracking effortless and secure.

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🌟 KEY FEATURES
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💰 EFFORTLESS EXPENSE & INCOME TRACKING
• Log expenses and incomes in seconds with an interactive built-in calculator keypad.
• Categorize transactions with rich icons across groceries, bills, dining, entertainment, shopping, and more.
• Create custom categories tailored to your lifestyle.
• Filter and search transaction history with instant monthly and yearly net balance summaries.

🤝 DEBTS & IOUs TRACKER (BORROW & LEND)
• Never forget who owes you money or who you owe!
• Track both Lent (You'll Get) and Borrowed (You Owe) records with friend names.
• Set expected repayment due dates with visual calendar indicators.
• Log partial repayments and watch balances update in real-time until full settlement.

🧾 SMART RECEIPT OCR SCANNER
• Scan paper bills and store receipts instantly using your phone camera or gallery.
• Powered by Google ML Kit on-device machine learning for fast, offline text extraction.
• Automatically auto-fills store merchant names and total bill amounts without manual typing.

📊 SMART BUDGETS & SAVINGS VAULTS
• Set monthly category spending caps to prevent overspending.
• Visual progress bars alert you when you reach 80% or exceed your budget limits.
• Create personalized Savings Vaults for emergency funds, dream vacations, or gadgets.

💡 FINANCIAL HEALTH SCORE & SMART INSIGHTS
• Get an instant 0–100 Financial Health Score based on your savings rate, budget discipline, and cash flow.
• Receive intelligent insights highlighting top spending categories and helpful saving tips.

📈 VISUAL ANALYTICS & CHARTS
• Interactive donut charts breakdown your spending by category.
• Daily spending trend graphs visualize your month-over-month cash flow trajectory.
• Export comprehensive spreadsheet reports (CSV) and summary statements anytime.

🔒 100% PRIVATE & OFFLINE-FIRST
• No Account Required: Start tracking immediately without creating accounts, usernames, or passwords.
• Local Storage: All your transactions, debts, and budgets are stored securely on your device's local database. We never upload or sell your financial data.
• Biometric Security: Lock your financial records with Fingerprint or Face Unlock for complete peace of mind.

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🚀 UPGRADE TO PRO
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• Enjoy an ad-free experience.
• Unlimited Debts & IOUs tracking.
• Unlimited Savings Vaults & Smart Budgets.
• Unlimited CSV report exports.
• Unlock all premium categories and unlimited receipt OCR scans.

Download Expense Tracker today and master your money with confidence!