Finance Universe Money Manager

Finance Universe is an expense tracker, budget planner and money manager that answers the question most finance apps skip: how much can I safely spend before my next payday? Track daily expenses, plan a monthly budget, never miss a bill and grow your savings, all in one private, offline-first personal finance app.

WHAT MAKES IT DIFFERENT
• Money Map (Premium): see your Safe Headroom today, the cash you can spend after upcoming bills, budgets and your buffer, with a dated 30-day forecast and the lowest point before payday.
• Income timing: salary credited at month-end can fund next month's budget, or you choose the month for each income. The real credit date stays unchanged, so one salary is never counted twice.
• Payday Plan (Premium): set your expected pay, payday or last working day, and a custom safety buffer. Save a separate plan for every month and currency.
• Purchase Check (Premium): before you buy, see whether a purchase leaves you short this month.
• EMI and loan calculator (Premium): see the full payoff schedule, plus the interest and time an extra payment saves.
• Separate currency ledgers: keep INR, USD, EUR, GBP and more apart. Switching shows that currency's records without converting amounts.
• Remember Period: pick a month once and Dashboard, Tracker, Planner and Payments follow it.
• Bank SMS review on your device, with no bank login.

EXPENSE TRACKER
• Add an expense or income in seconds with categories, notes and dates.
• See spending by category with clear charts and monthly trends.
• Quick-add from the home screen widget.

BUDGET PLANNER AND SAVINGS GOALS
• Set monthly budgets per category and watch what is left as you spend.
• The full Planner is free: budgets, savings goals, contributions and goal progress.
• Expenses in categories without a budget stay visible under Uncategorized.

BILLS AND RECURRING PAYMENTS
• Track rent, subscriptions, EMIs and utility bills, with reminders before the due date.
• See upcoming payments on the Dashboard and home screen widget.

OPTIONAL BANK ALERT REVIEW
With your consent, Finance Universe reads recent bank debit SMS on your device and suggests expenses. Free scans offer the latest three supported bank alerts. OTPs and personal messages are ignored. Nothing is added until you confirm it. Bank wording varies and some alerts may not be recognized; review the amount, currency and date before saving. This feature does not connect to your bank account. You can turn it off and enter transactions manually.

PRIVATE BY DESIGN
Your financial records stay on your device unless you choose an encrypted backup. Google Drive backup is optional. Export and import local backups at any time. Keep your backup recovery passphrase safe.

FREE AND PREMIUM
Free: expense and income tracking, category charts, currency ledgers, the full Planner with budgets, income timing and savings goals, recurring payments and bill reminders, Dashboard and home screen widgets, local backups and backup recovery.

Premium adds Money Map with Payday Plan, Purchase Check and the EMI calculator, Mindful Habits (needs, wants and impulse spending), weekly reviews, PDF reports, unlimited receipt scans, custom categorization rules and new encrypted cloud uploads. Verified trial or paid access is required, and these features lock when that access ends. Your records remain stored. Subscription offers show their price, billing period and any trial in Google Play before you confirm. Manage or cancel renewals in Google Play.

Free receipt scanning requires Google sign-in and an online quota check, with three attempts per UTC month. Recognition failures use an attempt. Receipt images and recognized text stay on your device. Optional rewarded ads are currently disabled.

Start today: add your first expense, set one budget, and see your month clearly.