Plutus - Budget Tracker

Plutus keeps your money data on your phone and nowhere else. It is a free budget app with an optional AI assistant that runs offline, so you can ask plain questions about your own finances and get answers built from your real records.

No account. No servers. No ads. No tracking.

ASK INSTEAD OF DECODING CHARTS
Type or speak a question in English, Hebrew or Russian:
- Can I spend 2,000 shekels next month?
- Where am I overspending?
- How am I doing compared with last month?
- Which bills are coming up?

The AI runs entirely on your device, even in airplane mode. The app's own code does the math, and the AI explains the results in everyday words. It can suggest a change, such as adding a transaction, but nothing is saved until you review and confirm it.

EVERYDAY MONEY MANAGEMENT
- Record spending, income and transfers with categories, labels, places and people
- Attach a photo of a receipt
- Bank, cash, savings and credit card accounts; cards are settled automatically on the billing day
- Savings with contributions, fees, estimated tax and what you would receive if you withdrew today, including pension, provident and study funds
- Daily, weekly, monthly, yearly or custom budgets that can roll over unused money
- Recurring payments with optional reminders
- Reports for spending by category, cash flow and daily activity
- Multiple currencies, with the exchange rate of the day saved on each record
- Separate profiles on one phone, such as Personal, Freelance and Travel
- A hide-amounts switch, light, dark or automatic theme, 8 accent colours, and a month that starts on your payday

BUILT FOR ISRAEL, READY FOR EVERYWHERE
Plutus began by solving what other apps ignored in Israel: local banks, credit card cycles, savings products, payday-based months and full right-to-left Hebrew. It was then widened for people in any country, with flexible currencies, week and month settings, and three languages.

PRIVACY BY DESIGN
Your records stay in the app's private storage on your phone. Plutus has no backend, so there is nothing of yours for anyone to breach, sell or analyse. The app makes only two kinds of internet requests, and both only download:
1. Currency exchange rates, which send nothing but a currency code
2. The AI model, a one-time optional download

Voice messages are processed on your phone and deleted right after.

ON-DEVICE AI (OPTIONAL)
Plutus AI uses Google's open Gemma 4 models. Choose the smaller E2B (about 2.6 GB) or the larger E4B (about 3.7 GB), depending on what your phone can handle. The app checks your device before allowing the download. If your phone is not powerful enough, everything else in Plutus still works.

YOUR DATA, YOUR CONTROL
- Export a full backup (ZIP with photos), a data file (JSON) or a spreadsheet of transactions (CSV)
- Import a backup, including one from Paisa
- You decide where backups are kept; Plutus never uploads them

FREE, AND STAYING FREE
No subscription, no in-app purchases. The creators have committed that Plutus will never be put behind a paywall. The source code is public on GitHub under the PolyForm Noncommercial License 1.0.0, so anyone can check how it works.

GOOD TO KNOW
- Plutus does not connect to your bank; you add your own transactions
- It has no passcode of its own, so rely on your phone's lock screen and encryption
- Exported backups are not encrypted, so store them somewhere safe
- AI can make mistakes. Plutus AI explains your numbers; it is not a financial, tax or legal adviser

Created by Alexander Aluf, together with Project Aurora LTD.