Private Budget Tracker

Private Budget Tracker is a private, all-in-one personal finance and expense tracker built around one simple idea: your money is nobody's business but yours. Everything you enter stays on your device in an encrypted database — no account needed, no cloud sync, no servers. We literally cannot see your data.

Take control of your finances without handing your financial life to a company.

WHY PRIVATE BUDGET TRACKER
• Private by design — your financial data never leaves your device, and the app works offline
• AES-256 encrypted on-device storage
• Optional app lock with fingerprint, face, or screen-lock PIN
• Screenshots and screen recording are blocked to keep your numbers private
• No sign-up, no email, no bank login, no tracking of your finances

EVERYTHING YOU NEED TO MANAGE YOUR MONEY
• Dashboard — income, spending, savings rate, and net worth at a glance
• Income — log paychecks, side income, and other earnings
• Bills — plan recurring bills across all 12 months, with optional due-date bill reminders
• Categories — organize spending into Needs, Wants, and Savings
• Monthly Budget — compare planned vs. actual spending month by month
• Savings Goals — set targets and watch your progress grow
• Sinking Funds — set aside money for big future expenses
• Debt Payoff — estimate how long until you're debt-free
• Net Worth — track assets and liabilities over time, plus an optional home-screen widget
• Accounts — keep all your balances in one place, including foreign-currency accounts
• Import/export your bills and income as CSV, or back up your whole budget to a file you control

GO FURTHER WITH PREMIUM
Upgrade to remove ads and unlock advanced tracking:
• Rental Properties — long-term rental income and expenses
• Short-Term Rentals — Airbnb / VRBO performance
• Personal Real Estate — home value and equity
• Businesses — side-business and self-employment income
• Investment Portfolio — track holdings and gains (manual entry)
• Retirement — 401(k), IRA, and contribution tracking

Premium is available as a monthly or annual subscription (with a free trial) or a one-time lifetime purchase — no subscription required. The core budgeting app is always free.

BUILT FOR PRIVACY
Most finance apps ask you to link your bank or create an account. This one doesn't — no bank login, no cloud sync. Your income, bills, balances, debts, and goals are stored only on your phone, encrypted, and never uploaded. Uninstall the app and the data is gone — it's that private.

Please note: Private Budget Tracker is a personal tracking and budgeting tool for your own information only. It does not provide financial, investment, or tax advice, and it does not connect to banks or brokerages. Figures such as debt-payoff estimates are projections based on the numbers you enter.

This app contains ads and offers an optional subscription or one-time purchase. Because your data is encrypted on your device, it is not backed up to the cloud — keeping it fully under your control.

Start budgeting privately today.