PYL365: Budget Expense Tracker

PYL365 is a budget and expense tracker app that works offline and never asks you to connect your bank. Track your spending, build your savings and plan your projects, with peace of mind.

Why choose PYL365?

* No bank connection required: unlike traditional budgeting apps, PYL365 never asks for your banking credentials. Your expenses, income and savings stay stored locally on your phone, protected by a PIN. The app works 100% offline for most of its features — handy while travelling or on an unstable connection.
* Three clear envelopes instead of abstract percentages: your income is automatically split between your fixed obligations, the spending money you really have available, and your savings for your goals. No more vague percentages — you finally know, concretely, how much you can safely spend this month.
* Log expenses in seconds: record an expense, sort it by category and link it to a project. Review your history, your budgets and your envelopes at a glance.
* Debt and project tracking: plan your life goals (housing, studies, vehicle), simulate paying off your debts step by step, and see an estimate of your financial freedom date.
* 40-year outlook and impact simulator: visualize how your wealth could evolve over time. Test your decisions virtually before making them (a birth, a raise, a new expense, school fees) and discover the real effect of going over budget on your goals, with a guiding plan to stay on track.
* Your financial indicators at a glance: three scores sum up your situation — financial health, debt level and autonomy — so you always know exactly where you stand.
* A guided setup assistant: PYL365 walks you through configuring your financial profile step by step in a few minutes.
* A summary for your favorite AI: generate a text summary of your financial situation anytime and paste it into the AI assistant of your choice (ChatGPT, Gemini, Claude...) for personalized advice. PYL365 has no built-in AI chat and sends nothing over the internet: only you decide whether to share this summary, and with whom.
* Access from your computer: view your dashboard from a computer connected to the same local Wi-Fi network, securely and without going through the cloud.
* Encrypted backup you control: turn on encrypted (AES-256) automatic backup to your own Google Drive. Your data belongs to you and never passes through any third-party server.

Available in several languages, with native support for the CFA franc, the euro, the dollar and many other currencies. A simple, smooth, no-frills budget app: start tracking your expenses and building your financial freedom now.