Cyklo: Pay & Expense Tracker

Take complete control of your personal finances with Spend Wise : Expense Tracker — the 100% offline, local-first money manager designed for total financial privacy and smarter spending.

No ads. No cloud tracking. No login required. Your financial data stays strictly on your device.

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✨ KEY FEATURES & HIGHLIGHTS
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💰 SMART SALARY CYCLE TRACKING
• Align your budget with your actual salary cycle (e.g., 25th-to-25th, 1st-to-1st, or custom paydays).
• Smart month-end clamping automatically handles shorter months (Feb 28/29, Apr 30).
• Dynamic Daily Safe Spend indicator tells you exactly how much you can spend per day without running out of money before next payday.

📈 EXPENSES vs INVESTMENTS (WEALTH TRACKING)
• Clear separation: Investments (SIPs, Mutual Funds, Stocks, Gold) build net wealth and are never counted as consumption expenses.
• Automatic Investment Rate calculations track what percentage of your cash flow goes toward building assets.
• Accurate liquid balance accounting across Bank Accounts and Cash Wallet.

🔁 RECURRING TRANSACTIONS & AUTO-COMPLETION
• Schedule subscriptions, EMIs, rent, SIPs, and salaries (Daily, Weekly, Monthly, Yearly).
• Real-time progress tracking: See exactly how many occurrences have executed (e.g. "4 of 12 executed").
• Automatic Rule Completion: Fixed-term rules (like 1-time payments or 12-month EMIs) automatically transition to the Completed tab when finished.
• View past transaction history generated by each recurring rule with execution checkmarks.
• One-tap "Create Again" to recreate completed rules effortlessly.

📊 INTERACTIVE ANALYTICS & TRENDS
• 6-Month & 12-Month historical trend charts with monthly burn rate analysis.
• Interactive category distribution breakdown with percentage allocations.
• Standardized compact currency notation (K/M/B) for clean readability.

💳 CREDIT CARD TRACKER & SETTLEMENTS
• Track purchases, credit limits, statement dates, and payment due dates.
• Separate unbilled spends from billed outstanding balance.
• Record CC bill payments with direct liquid bank balance synchronization.

🔒 MAXIMUM PRIVACY & DATA SECURITY
• Native Android Biometric (Fingerprint/Face Unlock) and secure 4-digit PIN lock.
• Zero Telemetry: No tracking SDKs, no external databases, no third-party data sharing.
• PDF Statements: Export clean, formatted financial statements for tax and accounting records.
• Factory Reset: Complete one-tap local data purge with zero traces left behind.

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🛡️ 100% DATA SOVEREIGNTY & PRIVACY
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Spend Wise operates entirely on an isolated on-device SQLite database. You own 100% of your financial records.

Download Spend Wise today and experience private, disciplined financial tracking!