Matrix Budget

Matrix Budget is a budget for people whose money doesn't stay in one currency. Salary in one, rent in another, a card billed in a third: every account, card, loan and category can carry its own currency, and the totals come out in the base currency you pick.

The exchange rate is fixed at the moment you enter a transaction, so a rate that moves next month never rewrites last month.

WHAT YOU CAN DO
• Set a cap for each spending category and a target for each income source, then see what's actually left once your savings goals are taken off.
• Enter income, expenses, transfers, card payments and loan payments in one place. Paying a card down shows as money moved, not as spending, so it isn't counted twice.
• Let it log card spending for you. With notification access switched on, Matrix Budget reads the notifications your bank, Google Wallet or Samsung Pay apps post, picks out the amount, merchant and card, and puts an entry in front of you to confirm. Nothing is booked until you tap Add.
• Keep the books honest: when a bank notification states your balance, the app compares it with its own figure and tells you if they've drifted apart.
• Import your bank or card statement at month end and reconcile against it.
• Back up to any folder you choose, share a backup, or export to Excel or PDF.
• Lock the app with your fingerprint or face.

YOUR DATA STAYS WITH YOU
There's no account. Your figures live on your phone; notification text is read on the phone and never uploaded; there are no ads, no analytics and no tracking. The app fetches the day's exchange rates, and that request carries nothing about you. To confirm a subscription it sends only a random install ID and the Google Play purchase token to our licence check.

TRY IT FREE
Free for 14 days, then US$1.99 a month or US$14.99 a year through Google Play. Cancel any time in Google Play.