Pendara: Expense Tracker

Pendara is a free expense tracker and budget planner built for real life — track
daily spending, set budgets, manage money you've lent or borrowed, and see exactly
where your money goes. No ads. No clutter. Works fully offline.

Most expense trackers stop at logging expenses. Pendara also handles the things
families and real households actually deal with: money lent to relatives, shared
spending, multiple accounts and separate books for home and business.

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🤝 LOANS & DEBTS — WITH OVERDUE REMINDERS
Never forget money you lent or borrowed again. Track every loan and debt, log
repayments, see outstanding balances, and get a notification the moment a loan
becomes overdue. Perfect for lending between family and friends.

👨‍👩‍👧 FAMILY & HOUSEHOLD EXPENSES
Give each family member their own space to track spending, or tag any expense to a
member so you always know who it was for. Keep the whole household's money in one
place.

📴 WORKS OFFLINE
Log expenses anywhere — no internet needed. Everything syncs automatically the
moment you're back online. Your data is always available.

💰 EXPENSE & INCOME TRACKING
Record every transaction in seconds with categories, subcategories, tags and notes.
Filter by date or category and always know where your money went.

📊 SMART BUDGETS (MONTHLY, WEEKLY & BIWEEKLY)
Set spending limits per category on a monthly, weekly, or biweekly cycle — with a
custom start day. Pendara tracks real spending against each budget and alerts you
before you overspend.

🏦 MULTIPLE ACCOUNTS
Manage cash, bank accounts, credit cards and investment accounts side by side.
Transfer between accounts with a full log, and reconcile any balance.

📁 MULTIPLE LEDGERS (BOOKS)
Keep personal, business and household finances completely separate — each ledger
has its own accounts, budgets and history.

🎯 SAVINGS GOALS & FUNDS
Create savings goals with targets and deadlines. Run collective Funds (like a
mosque, office or trip pool) with contributions, payouts and a running balance.

📈 POWERFUL REPORTS
See your net worth (with investments kept separate), savings rate, category
breakdowns, 6-month trends and a daily spending heatmap. Export any report or
account statement to Excel or PDF — and import transactions from Excel or CSV.

💸 SALARY & INCOME HISTORY
Log your salary and every raise over time, and let recurring transactions handle
rent, salary and subscriptions automatically.

🔒 PRIVATE & SECURE
Lock the app behind fingerprint or face unlock. Your data syncs securely to your
own private cloud with Google Sign-In and is never sold.

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FEATURES AT A GLANCE
✔ Loan & debt tracking with overdue reminders
✔ Family / household member expense tracking
✔ Fully offline — syncs when you reconnect
✔ No ads, ever
✔ Expense & income tracking with categories, subcategories & tags
✔ Monthly, weekly & biweekly budgets with real-time alerts
✔ Multiple accounts (cash, bank, credit card, investment) & transfers
✔ Multiple ledgers (personal, business, household)
✔ Savings goals + collective Funds
✔ Net worth, savings rate, trends & spending heatmap
✔ Excel / PDF export + Excel/CSV import
✔ Salary & increment history
✔ Recurring transactions
✔ Android home-screen widget
✔ Biometric app lock
✔ Google Sign-In with cloud sync
✔ Dark & light themes
✔ 10 currencies (PKR, USD, EUR, GBP, SAR, AED, INR, CAD, AUD, JPY)

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Your data syncs securely with Google Firebase and is only accessible by you. We do
not sell your data. Export or delete everything at any time from within the app.

Download Pendara and take control of your money — free, offline, and ad-free.

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