Zylos: A Smart Finance Tracker

Take command of your personal finances with Zylos — the elegant, privacy-first personal finance manager, expense tracker, and wealth planner built for complete financial control.

Zylos combines intuitive expense tracking, automated on-device statement parsing, multi-sheet Excel and PDF exports, and real-time net worth tracking into one clean app. Whether logging daily spending or growing wealth, Zylos delivers total clarity.

✨ Why Choose Zylos?

🔒 100% Private & Local-First Storage
Your financial data belongs exclusively to you. Zylos operates with strict on-device privacy — storing your records locally in a secure offline database.
• No mandatory account creation or sign-up — start tracking instantly.
• Zero data mining, zero ad tracking, and no external servers reading your logs.
• 100% offline functionality — no internet connection required.
• Complete peace of mind: your records never leave your device.

🏦 Automated PDF Bank Statement Importer
Eliminate tedious manual entry. Zylos features an intelligent on-device PDF engine that parses bank and credit card statements in seconds.
• Built-in parsers for major banks and card issuers.
• Smart layout recognition handles varied statement formats seamlessly.
• Extracts dates, amounts, notes, and balances automatically.
• Smart filters strip out messy UPI reference IDs and duplicate entries.
• Supports Excel spreadsheet imports up to 100,000 rows.
• 100% on-device processing — statements never leave your phone.

📄 Professional Excel & PDF Financial Reports
Keep your financial records, accountants, and personal archives organized:
• Multi-Sheet Excel (.xlsx): Color-coded tabs, executive KPI summaries, category totals, and transaction ledgers.
• Executive PDF Statements: Crisp annual summaries, quarterly breakdowns (Q1–Q4), and category charts for total financial visibility.
• Custom Filtering: Filter by date range, income/expense type, or category.

📊 Intelligent Expense Tracking & Budgeting
• Quick-Log: Record income, expenses, and transfers in seconds.
• Category Budgets: Set monthly spending limits with proactive alerts.
• Budget Rollover: Copy previous monthly budgets with a single tap.
• Interactive Heatmaps: Calendar heatmaps highlight high-spending days.
• Visual Analytics: Tap chart segments to inspect underlying transactions.
• Transaction Bin: Built-in soft-delete restores deleted records anytime.

🎯 Wealth Management & Net Worth Tracker
• Track cash, bank accounts, assets, liabilities, and investments for real Net Worth.
• Financial Health Index (FHI): Evaluates Savings Rate, Compliance, and Stability.
• Saving Goals: Set targets and deadlines for emergency funds or travel.
• Surplus Allocation: Automatically allocate monthly cash surpluses to goals.
• Interactive 12-month trajectory curves with touch scrubbing.

🌍 Multi-Currency & Global Compatibility
Track accounts in INR (₹), USD ($), EUR (€), GBP (£), JPY (¥), AED (د.إ), SAR (ر.س), CAD (C$), AUD (A$), SGD (S$), and more with instant currency switching.

💡 Daily Mindset, Reminders & Cloud Sync
• Morning Motivation (8:00 AM): Inspiring quotes from top investors.
• Evening Reminder (8:00 PM): Gentle prompts so no daily expense is forgotten.
• Sunday Rewind: Weekly savings summaries and monthly audits on your device.
• Google Drive Backup: Safely backup and restore with two-way sync.
• Reliable Scheduling: Guaranteed alarm delivery across phone reboots.

🎨 Personalization & Modern Design
• Material 3 Design with Light, Dark, and true AMOLED Pitch Black themes.
• Customizable Dashboard: Toggle balance cards, stats, and charts.

🌟 Perfect For:
✔ Working Professionals managing monthly budgets and salary savings.
✔ Freelancers & Creators tracking multi-currency income and expenses.
✔ Families monitoring household spending and building emergency funds.
✔ Wealth Builders seeking clear visibility into net worth and cash flow.

Download Zylos today and master your personal finances with complete privacy!