Offline Expense Tracker & EMI

Offline Expense Tracker & EMI is a fast, private, offline-first expense tracker, money manager and budget planner. Your data stays on your phone — no account, no cloud, no tracking, no ads. Track daily expenses, manage income, and plan every rupee, dollar or euro with a personal finance app that works entirely offline.

ADD AN EXPENSE IN SECONDS
• Big keypad, tap a category, done — the fastest daily expense tracker you will use
• Smart Parse: paste any bank SMS or UPI text and log the transaction in one tap
• Attach receipts, notes and tags to any spending record

BUDGET PLANNER & SPENDING INSIGHTS
• Monthly budgets with 80% and 100% overspend alerts
• Beautiful charts: daily average, category breakdown, income vs expense trends
• Spending calendar heatmap and a 30-day predictive cash flow forecast
• Savings goals with progress tracking and a financial health score

MONEY MANAGER FOR EVERYTHING
• Multiple accounts and wallets: cash, bank, UPI, credit card
• Account-to-account transfers with running balances
• Bill reminders and recurring subscription tracker
• Loan and EMI manager: home loan, car loan, personal loan — EMI due alerts and a remaining-EMI payoff meter
• Lent and borrowed (IOU) tracking
• Split bills with friends, flatmates and trips — group expenses with 1-tap settle-up
• Multi-currency travel mode for trips abroad

INVOICING & CLIENT LEDGER (NEW)
• Create estimates and convert them to invoices in one tap
• Client statements with running balance — perfect for freelancers and small business
• Record payments and share professional PDF invoices and account statements

100% PRIVATE & OFFLINE
• Works without internet — your financial data never leaves your device
• PIN and biometric app lock
• Local backup, restore and CSV / JSON export
• No ads. Ever.

FINANCIAL CALCULATORS
• SIP calculator, EMI calculator and FD calculator to plan investments and loans

FREE FOREVER
• Unlimited income, expense and transfer tracking
• Budgets, spending insights and calendar view
• Up to 2 accounts, 1 savings goal, 1 split group and 1 trip
• Financial calculators (SIP / EMI / FD)
• Local backup and JSON export

PRO UNLOCKS
• Unlimited accounts, goals, categories, loans and recurring bills
• Group expenses with settle-up, unlimited clients and invoices
• 30-day predictive cash-flow forecast and safe daily spending cap
• Smart SMS / UPI text parser with 1-tap logging
• Financial health score, reimbursement claims and tax report exports
• Biometric app lock
• One tiny price — Lifetime available. No forced subscriptions.

WHO IS IT FOR?
Students, families and professionals who want a simple daily expense diary; freelancers who need invoicing and client ledgers; anyone replacing a spending notebook, cashbook or khata with a private money manager and budget app.

Questions or ideas? [email protected] — we read everything.