Expense Tracker

Take control of your money with Expense Tracker, an offline-first personal finance app for Android. Track income, expenses, credit cards, loans, investments, and net worth — all stored locally on your device, with no account and no server.

ACCOUNT MANAGEMENT
- 7 account types: Bank, Cash, Wallet, Credit Card, Other, Investment, Liability
- Credit card tracking with billing cycle, due dates, minimum payment, outstanding balance, and utilization percentage
- Investment tracking with invested amount and maturity date
- Liability tracking with EMI schedules and amortization tables
- Balance Sheet view with full assets vs liabilities breakdown
- Unified transfer screen for transfers, card payments, and EMI payments
- Customizable Chart of Accounts with category groups

TRANSACTION TRACKING
- 3 transaction types: Expense, Income, Transfer
- Multi-line transactions — split one entry across multiple categories/accounts
- Merchant tracking with autocomplete from previous entries
- Recurring transactions with auto-generation on schedule
- Fixed monthly expenses (rent, subscriptions, bills)
- Salary distribution across categories
- Search by text, category, account, merchant, or date range
- Manual date entry with automatic / separators, or pick from the calendar

CREDIT CARD MANAGEMENT
- Smart CC statement with billing cycle visualization
- Category-wise spending breakdown within each cycle
- Deferred transactions (post-statement) shown separately
- Payment impact comparison — minimum vs full payment
- Due date tracking with color-coded urgency warnings

LOANS & EMIS
- Loan tracking with principal, interest rate, tenure, and EMI amount
- Given loans — track money you've lent to others
- Full amortization schedule with principal/interest breakdown
- 4 interest types: Reducing balance, Simple, No interest, Pay at end
- EMI schedule with visual status indicators
- Loan foreclosure with automatic split between interest and principal
- Import existing EMIs from a CSV file

FINANCIAL FORECASTING
- Monthly cash flow projection for 3/6/12 months ahead
- Fixed expenses, variable expenses, loan EMIs, and CC dues
- Investment returns calculation
- Income from given loans (EMI received)
- Surplus/deficit warnings with cumulative balance tracking

REPORTS & EXPORT
- Income Statement (P&L), Balance Sheet and Cash Flow Statement
- Merchant Report, spending charts and trends
- Budget tracking per category with overspend warnings
- Multi-sheet CSV export:
- Expenses and Income (Date, Category, Amount, Note, Merchant, Payment Method, Account)
- Transfers (Date, From, To, Amount, Note, Payment Method)
- EMI Payments (Date, Loan Name, Principal, Interest, Total, Bank Account)
- Given Loans (Date, Borrower, Principal, Interest, Total)
- Monthly or All Time export

DATA MANAGEMENT
- Google Drive and local device backup and restore
- Auto-backup with configurable frequency (Manual/Hourly/Daily/Weekly/Monthly)
- Unified backup UI — local and cloud in one place
- Onboarding finds a previous backup automatically on a new phone

SETTINGS & CUSTOMIZATION
- 10+ currencies (INR, USD, EUR, GBP, JPY, AED, SAR, SGD, CAD, AUD)
- Light, Dark, and System theme modes
- Configurable decimal places for currency display
- Books Beginning Date — filter all reports from a specific start date

SUPPORT THE DEVELOPER
- One-time support tiers, no subscription
- Removes ads and shows a supporter badge
- Lifetime option available

PRIVACY FIRST
- No account, no sign-up — your data never reaches us, we run no servers
- All financial data stored locally as JSON on your device
- Works fully offline; internet used only for optional Google Drive backup, ads and purchases
- Optional one-time backup to your own Google Drive, or a local backup file
- CSV export to any location you choose
- Free version shows ads; one-time purchase removes them.