Tally & Grow: Expense Tracker

Tally & Grow is a private, beautifully simple way to track your money — spending, budgets, savings goals and your own investment records — all in one place, and all stored on your own device.

No sign-ups on a server. No ads. No trackers. No data harvesting. Your finances stay yours.

WHY TALLY & GROW
• Truly private — your records live locally on your phone. We never see your data.
• No account needed — start tracking straight away.
• Fast and clean — a calm, modern design built for everyday tracking.

TRACK YOUR SPENDING
• Log expenses, income and transfers in seconds.
• Optionally turn a new bank purchase SMS into an editable expense draft — nothing saves until you confirm it.
• Organise spending with custom categories and colours.
• See where your money goes with clear monthly breakdowns and charts.
• Made a mistake? Delete an entry and every balance is corrected automatically.

MANAGE YOUR ACCOUNTS
• Add bank, savings, credit, debit and cash accounts.
• See your total balance, assets and liabilities at a glance.
• Credit-card utilisation bars keep limits in view.

PLAN AHEAD
• Set monthly budgets per category and watch your progress.
• Create savings goals and add to them over time.
• Track recurring bills so nothing sneaks up on you.

KEEP INVESTMENT RECORDS
• Note down holdings you own elsewhere, with your cost basis.
• See gain/loss versus what you paid, and group your records by broker.

MULTI-CURRENCY
• Base currency AED, with display in USD, EUR, GBP, INR or SAR.
• Exchange rates update automatically (rates by ExchangeRate-API).
• Currency-rate and price lookups use public providers, which receive only the currency, search term or asset identifier plus ordinary connection details such as your IP address — never your records.

PRIVACY & SECURITY
• Lock the app with a PIN, plus optional fingerprint / face unlock.
• Your PIN is stored only as a secure salted hash — never in plain text.
• Hide balances instantly with privacy mode.
• Create an encrypted backup you control, and restore it on any device.

Tally & Grow is for anyone who wants a private, no-nonsense picture of their own money — without handing their financial life to a cloud service. Download it and start growing your tally.

Note: Tally & Grow is a personal record-keeping tool. It is not a brokerage, bank or payment app. It does not execute trades, move money, lend or provide financial advice.