Shonchoy: Expense Tracker

Stop guessing where your money went — Shonchoy is a private, offline-first
expense tracker built for speed, clarity, and zero compromise on your data.

Whether you're tracking daily chai, splitting rent, or planning a vacation
fund, Shonchoy handles it without sending your data anywhere unless you
say so.

WHY SHONCHOY

• 100% offline by default — no account, no login, no tracking.
Everything lives on your device.
• Privacy-first. Optional Google Drive backup stays in YOUR Drive,
encrypted in transit. Disconnect & delete any time.
• Built for speed — open the app, log an expense in under 3 seconds.
• Beautifully designed with Material 3, light & dark themes, and a
cheerful raccoon mascot that roasts you (gently) when you overspend.

3-TAP EXPENSE ENTRY

• Type amount → tap category → done. That's it.
• Smart category sorting: your top 3 categories float to the top.
• Built-in calculator: type "100+20%" in the amount field — it
evaluates to 120.
• Swipe right for notes, swipe left to edit or delete.

ACCOUNTS

• Cash, Debit, Credit Card, Mobile Wallet, PayPal — track them all.
• Live balances computed from your transactions.
• Credit cards: statement balance, minimum payment, due day,
recurring fees, and interest schedules.
• Net worth dashboard shows total assets minus liabilities.

BUDGETS

• Set a monthly budget and category-level limits.
• Daily, weekly, monthly, or yearly budget periods.
• Optional rollover — unused budget carries to next period,
with a cap if you want one.
• Traffic-light progress: safe / caution / danger.

SAVINGS GOALS

• Multiple named goals: vacation, emergency fund, new laptop.
• Deposit and withdraw with a full activity log.
• Visual progress bars that fill up as you get closer.

SUBSCRIPTIONS

• Track Netflix, Spotify, gym, cloud storage — any recurring bill.
• Custom cycles: every N days, weeks, months, or years.
• Trial support, auto-record, and renewal reminders.
• Paused vs. cancelled lifecycle.

BILL SPLITTER

• Split bills equal, by percentage, custom amount, or shares.
• Multiple payers supported.
• Smart settlement algorithm minimizes the number of payments
needed to settle up.
• "You" is implicit — no manual entry for yourself.

DEBTS

• Track money lent to friends and money borrowed.
• Partial payment history with notes.
• Due-soon alerts when repayments are within 3 days.

BANK SMS IMPORT

• Share any banking SMS to Shonchoy via the system share sheet.
• Auto-parses amount, merchant, and category. No SMS reading
permission required — Shonchoy never reads your inbox in the
background.
• You confirm before anything is saved.

STATISTICS & INSIGHTS

• Per-category spending breakdowns with daily charts.
• Monthly trends, averages, and top merchants (Pro).
• Export to PDF or CSV anytime.

SECURITY

• 4-digit PIN with salted SHA-256 hash.
• Biometric unlock (fingerprint / Face ID).
• Escalating backoff after failed PIN attempts.
• PIN hash stored in secure enclave, not in app database.

CUSTOMIZATION

• 4 themes: Fresh Teal, Midnight Ocean, Cozy Walnut, Iris
Lavender. Light & dark variants for each.
• Custom categories with icon + color picker.
• 30+ currencies with locale-aware formatting.
• Tablet-optimized layouts — works great on phones, foldables,
and tablets.

SHONCHOY PRO (ONE-TIME PURCHASE)

Unlock unlimited accounts, savings goals, subscriptions, themes,
cloud backup, and advanced statistics. Pay once, use forever.

No subscriptions. No recurring fees. No ads.

SUPPORT & COMMUNITY

GitHub: github.com/Ahnaf181419/Expense-Tracker
Privacy Policy: ahnaf181419.github.io/Shonchoy/privacy-policy.html

Shonchoy — your money, your data, your rules. 🦝