Budget Tracker - Money Manager

Take control of your finances with Budget Tracker - Money Manager, the clean, private, offline-first personal finance app to track expenses, plan budgets, manage debts, and grow savings.

Whether tracking daily spending, managing recurring bills, calculating loan EMIs, or building emergency funds, Budget Tracker gives you powerful tools with 100% on-device privacy.

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🌟 KEY FEATURES
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⚡ 1-TAP EXPENSE & INCOME TRACKING
• Log transactions in seconds with customizable Quick Shortcuts.
• Smart Numpad with built-in instant calculator (+, -, ×, ÷).
• Search and filter transactions by wallet, category, date, or note.
• Custom categories, color accents, and subtle audio feedback.

🎯 SMART BUDGET PLANNER & SAFE-TO-SPEND
• Set category spending limits for Food, Groceries, Shopping, & Bills.
• Safe-to-Spend (S2S) Daily Allowance: dynamically calculates daily spending limits based on remaining funds and days left in the month.
• Visual warning badges at 80% and 100% thresholds prevent overspending.

💳 MULTI-WALLET & ACCOUNT TRACKER
• Track Cash, Bank Accounts, E-Wallets, Credit Cards, and Savings.
• Internal fund transfers with automatic balance updates.
• Privacy Mode: Hide account balances with one tap in public places.
• Overdraft and negative balance support with visual debt indicators.

📅 BILL & SUBSCRIPTION REMINDER
• Never miss a recurring payment or pay late fees again.
• Track recurring bills: rent, electricity, Netflix, insurance, and utilities.
• Daily, weekly, monthly, or yearly schedules with due-date alerts.
• 1-Tap "Mark as Paid" logs transactions and updates balances.

🤝 DEBT & LOAN MANAGER (WITH EMI CALCULATOR)
• Track Borrowed Money (debts) and Lent Money (receivables) with contacts.
• Built-in EMI Calculator: calculate monthly payments, interest, and tenure.
• Record partial repayments or settle balances with complete history.

🏆 SAVINGS GOALS & MILESTONES
• Set financial targets for vacations, emergency funds, gadgets, or vehicles.
• Visual progress tracker with target dates and celebration chimes.

📝 FINANCIAL NOTES & CHECKLISTS
• Record financial notes, shopping lists, and monthly to-do checklists.
• Interactive checkable items help you stick to planned grocery budgets.

🧠 FINANCIAL FOCUS & SMART COACH
• 5 Modes: Daily Budgeter, Debt Eliminator, Wealth Builder, Family Planner, Minimalist Saver.
• Smart Coach insights: Latte-Factor alerts, burn-rate trends, and peak spending day analysis.

📊 VISUAL CHARTS & CSV EXPORT
• Interactive category Donut charts and Monthly Cashflow Bar charts.
• Burn-rate trend charts and cashflow forecasts.
• 1-Click CSV export for Excel or Google Sheets.

🔒 100% OFFLINE PRIVACY & BIOMETRIC LOCK
• No bank logins, passwords, or personal accounts required.
• All data is stored locally in an encrypted SQLite database on your device.
• Secure App Lock with Fingerprint, Face Unlock, or PIN protection.

🎨 MATERIAL YOU THEMES & GLOBAL CURRENCIES
• 6 color palettes, Dark Mode, and AMOLED Pure Black battery saver.
• 100 illustrated profile avatars & 50 emoji icons.
• 12 languages (English, Indonesian, Spanish, French, German, Russian, Portuguese, Arabic RTL, Chinese, Japanese, Korean, Hindi) and 50+ currencies.

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🛡️ PERMISSIONS TRANSPARENCY
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We only request essential permissions for core functionality:
• POST_NOTIFICATIONS: Delivers scheduled bill reminders and check-ins.
• USE_BIOMETRIC: Enables local fingerprint/face unlock for App Lock.
• RECEIVE_BOOT_COMPLETED: Re-schedules bill alarms when device restarts.
• INTERNET & ACCESS_NETWORK_STATE: For AdMob ads and Play Billing. Zero personal financial data is ever transmitted.
• AD_ID: Standard Google advertising identifier for AdMob services.

Download Budget Tracker - Money Manager today and build healthier financial habits!