Totem Finance Personal Manager

Feel like your money just flies away? 💸 This expense tracker , budget planner and personal finance app is the ultimate tool to regain control of your financial life. Welcome to Totem Finance: manage your money without complications, without boring spreadsheets, and with maximum privacy.

Totem Finance is your personal financial command center. Designed to be intuitive, powerful, and secure.

🚀 WHAT CAN YOU DO WITH TOTEM FINANCE?

💳 Accounts & Cards: Manage multiple accounts and review your transaction history with advanced filters.

📉 Expense & Income Control: Record every transaction instantly. Categorize your spending and visualize where your money goes with a clean and organized history.

📈 Investment Tracker & Net Worth App: It's not just about spending less, but managing what you earn better.
* Crypto Portfolio Tracker & Stock Tracker App: Monitor the evolution of your crypto, stocks, real estate, and assets to get a real view of your net worth in one place.
* Track your employment income (paychecks, extra income).

📊 Financial Analysis & Charts: Numbers come to life.
* Visualize your financial health with interactive, easy-to-understand charts.
* Analyze your spending trends month by month.
* Detect trends and money leaks with our detailed financial analysis.
* Access more than 25 personal financial analysis metrics.

🤝 Advanced Debt Management & Snowball App: Ever lent money and forgot to collect? Crush your debts faster.
* Debt Snowball App: Utilize the debt snowball strategy to strategically pay off what you owe.
* Keep an exact record of who owes you and who you owe with a detailed history of partial payments.
* Visualize the global balance: Are you in the positive or negative with your contacts?

🏡 Loan & Mortgage Simulator: Don't sign anything without checking first. Our financial calculator (French Amortization System) allows you to:
* Calculate your exact monthly payment.
* View the full amortization schedule year by year.
* Understand the total interest you will pay.

✈️ Shared Expense Sheets (Events & Trips): Ideal for trips with friends, home renovations, or specific budgets. Create a sheet, add transactions, and export everything to keep accounts clear.

🔒 Your Privacy Comes First: Your data belongs to you.
* Local & Encrypted Database: We do not send your information to external servers, nor do we ask for bank access.
* App Lock: Protect your finances with a PIN or Fingerprint (Biometrics).
* Backups: Easily export and import your data so you never lose anything.

🧮 Calculator: Make smart decisions with our integrated tools. Perform quick calculations without leaving the app. Includes: Home affordability, compound interest, salary calculator, financial freedom, mortgages, bonuses, and more...

📄 Professional Reports: Generate and share PDF or Text files with your debt history, card transactions, or expense sheet balances.

🎨 Customization: Dark/Light mode and a customizable dashboard.

💡 Transparency Note: Core features are free and ad-supported. Remove ads with our premium upgrade.

Download free — track your first expense in 30 seconds and finally see where your money goes. 💪