Axiom Wealth: Budget & Debt

Axiom Wealth is a local-first calculator and simulator. The vault is encrypted on the device; optional services, support, purchases and some SDKs may process technical data or other data you send under the privacy policy.

Plan a budget, track expenses and pay off debt on a phone that keeps your numbers in an encrypted vault instead of an account on someone else's server.

WHAT YOU GET
• Budget and spending: income, expenses, categories and multi-currency totals with exchange-rate references.
• Debt Clinic: compare the avalanche and snowball payoff plans side by side, see the interest each one costs, and spot the debts that trap you.
• Savings goals with the monthly amount worked out for you, plus local reminders.
• Reality Lab: simulate a raise, a move, a car or an emergency without touching your real data.
• Receipt scanning with the camera, so a week of expenses is not a week of typing.
• Digital inheritance and family vaults with encrypted sharing.
• Portable encrypted backups and synchronization through a cloud provider you choose.
• Face ID / fingerprint unlock, light and dark mode, 15 languages.

WORKS WITHOUT A CONNECTION
There is no bank login and no account to create. You enter your own numbers and the app does the arithmetic on the spot; exchange rates refresh when you do have a connection.

WHO IT IS FOR
People who want a budget planner and expense tracker with no ads and no monthly fee, and who would rather see the debt payoff maths than be told what to do with their money.

PRICE
Budgeting, expenses, debts, goals and digital inheritance are free to use. Axiom Pro unlocks the rest as a one-time purchase where available: no subscription, no renewals, no ads.

PRIVACY
The vault is encrypted on the device and there is no account to sign up for. The optional services, and what each one may process, are listed in the privacy policy.

A one-time purchase is offered where available, with no subscription renewal. This is a calculator and simulator, not financial advice; providers may process data as described in the privacy policy.

HOW TO START, IN THREE MINUTES
1. Open the app and tap "Explore with sample data": you get a full month already loaded, with salary, rent, groceries, two debts and two goals.
2. Clear the sample from Settings ▸ Your data and enter your own numbers, or import a statement in CSV or PDF.
3. Open the Debt Clinic: it tells you how many months to payoff and how much interest each strategy costs.

FREQUENTLY ASKED QUESTIONS
Do I have to connect my bank? No. Axiom connects to no institution, never asks for banking credentials and does not read your email. You enter the numbers or import them from a file.
Do I need an account? There is no sign-up and no username. The vault opens on the device.
Does it work offline? Budget, expenses, debts and goals are calculated without a connection. Exchange rates refresh when you are online.
Is it a subscription? No. Axiom Pro is a one-time purchase where available: no renewal, no monthly fee.
What if I am paid in another currency? It handles more than sixty currencies and consolidates everything into the one you choose, at a reference rate.
Can I move my data to another phone? Yes, with the portable encrypted backup.
Can I export? Yes, to CSV and PDF.

WHAT PEOPLE USE IT FOR
Tracking monthly spending without a spreadsheet. Building a budget that survives contact with real life. Getting out of credit card debt with the avalanche or snowball method. Building an emergency fund with the monthly amount already worked out. Seeing what subscriptions really cost over ten years. Deciding on a move, a car or a job change by simulating it first.