Treat: Expense Tracker Budget

Treat is an instant offline expense tracker and private budget planner designed for effortless daily money management. Take full control of your spending without ads.

Tired of finance apps that force you to link bank accounts, watch intrusive ads, or wait through slow screens? Treat is a modern, 100% offline expense tracker and simple money manager built for speed, privacy, and effortless daily budgeting.

Whether you need a daily expense tracker, an offline budget planner, or a private money manager to track debts, Treat gives you financial clarity in seconds.

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⚡ SPLIT-SECOND EXPENSE TRACKER & WIDGET
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• Android Home Screen Widget: Offline expense tracker widget with Today's spend and 1-tap logging from your launcher.
• Instant Single-Surface Keypad: Fast expense tracker logging in under 0.8 seconds with tactile haptic response.
• 1-Tap Quick-Plugs: One-touch shortcuts for frequent daily spending like coffee, transit, or groceries.
• 3D Category Drum: Fast spending tracker with a smooth category wheel for rapid expense management.
• Multi-Account Vaults: Organize money across Cash, Bank, Digital Wallets, and Cards.

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🔒 100% OFFLINE & PRIVATE MONEY MANAGER
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• Zero Bank Account Sync: Secure offline expense tracker with no bank linking and zero cloud surveillance.
• SQLCipher AES-256 Encryption: Military-grade offline database encryption protects your personal budget planner records.
• Balance Privacy Mode: Offline budget planner with 1-tap eye toggle to mask sensitive numbers in public.
• No Sign-Up Required: Private money manager requiring no email, phone number, or account creation.
• 100% Ad-Free Experience: An ad-free expense tracker with zero banner ads, zero popups, and zero data tracking.

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📊 VISUAL DASHBOARD & BUDGET PACING
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• Obsidian Dark Visual Design: Clean, high-contrast money manager interface with zero visual clutter.
• Daily Spending Room & Runway: Know exactly how much daily spending room remains in your monthly budget planner.
• Dynamic MoneyPulse Feedback: Live spending pulse effects and tactile coin-drop audio on logged expenses.
• Category Analytics & Cash Flow: Interactive expense tracker insights for 7 Days, This Month, Last Month, and All Time.

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🤝 SMART DEBT TRACKER & IOU LEDGER
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• Track Lent & Borrowed Money: Built-in debt tracker and IOU ledger for shared expenses, split bills, and personal loans.
• Net Balance Overview: Your personal money manager calculates whether you are a net creditor or debtor across all contacts.
• Partial Repayments: Flexible debt tracker logging with balance updates and repayment timeline progress.
• Shareable Digital Receipts: Settle debts with elegant receipt cards generated right from your offline money manager.

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💎 TRANSPARENT CORE & PRO REPORTS
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• Generous Free Core: Unlimited daily expense tracker logging, 2 accounts, 20 categories, and 5 active IOUs with zero ads.
• Treat Pro Upgrades: Optional plan for unlimited accounts, unlimited IOUs, deeper history, and clean exports.
• Clean CSV & PDF Exports: Export full expense tracker records and styled PDF reports for offline accounting.
• Encrypted Local Backups: Secure budget planner backups (.cqbak) saved locally on your device.

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TECHNICAL PRIVACY COMMITMENT
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Treat operates on a zero-knowledge architecture. This offline expense tracker and budget planner ensures your personal records never leave your physical device. No analytics trackers, no ad IDs, and no remote servers.

Download Treat today — the fast, private offline expense tracker and budget planner built for modern daily money management.