Cifra

Cifra keeps your accounts and expenses in order. Income, expenses, transfers between accounts, budgets, and home budget reports: all on your phone, without registering or connecting to any service.

Your data stays where it is. There's no account to create, no server to send it to, no ads, and nothing unlocks when you pay. The app works on a plane just like it does at home.

ACCOUNTS
• Checking accounts, credit and debit cards, cash, savings accounts, securities accounts, credit, debt, safe
• You can give each account the logo of its bank, card, or platform, or a drawn symbol, and a color of your choice
• Multiple currencies, with the exchange rate applied to transfers

COMING FROM ANOTHER APP?
• Cifra reads the file exported from the other app and asks you what its columns contain. It automatically recognizes separators, decimals, date format, and money direction.
• It shows you the first lines as it's intended to read them: you'll spot any mistakes right away, not later in the balances.
• It performs a complete backup before writing anything, without having to ask.

MOVEMENTS
• Categories and subcategories, each with a symbol and color chosen from forty-four, visible next to each transaction.
• Projects, places, and beneficiaries.
• Monthly summary: income, expenses, balance, and where the money went.
• Entries divided into multiple categories.
• Recurrences and templates for recurring events.
• Linked transactions: combine two or more templates and record them all together with a tap, on the same date and with the same amount.
• Drafts: a half-finished transaction won't get lost; you'll find it right where you left it.
• Photos of receipts attached to transactions.
• Search by note, beneficiary, category, project, place, and account.

BUDGET
• A budget by category, project, or account, with your favorite anniversary
• The bar changes color automatically: green if you're on track, amber if you're spending faster than the calendar, red if you've exceeded your budget
• It also shows you where you should be at that point in the month, not just how much you have left

REPORTS
• Twelve reports: by period, category, beneficiary, location, and project, and the same reports tracked over time
• Bar, pie, and line charts
• Account balance and total assets

BACKUP
• To a file on your phone, Google Drive, or Dropbox, as you prefer
• Export to CSV and QIF, import from QIF
• Settings can also be saved and restored

SECURITY
• Lock with a PIN of at least six digits or with your fingerprint

INTERFACE
• Complete Italian and English
• Nearly complete German, Spanish, French, and Ukrainian
• Also partially translated into Catalan, Czech, Danish, Hungarian, Korean, Norwegian, Polish, Portuguese, Romanian, and Russian. Slovak and Chinese
• Dark theme
• Configurable tabs: keep the ones you use and hide the others

Cifra is a work by Marcello Pandolfo (MPStudios56). No ads or in-app purchases: what you see is all there is.

If it's useful and you want to help me out, you'll find the "Buy me a coffee" option in the menu. Nothing in the app depends on this.

CIFRA+
There's also Cifra+, the paid version, which adds all this:
• Automatic reading of bank notifications: the transaction writes itself
• Rules that automatically assign category, beneficiary, project, and location
• Receipt reading with the camera: amount, date, and store are automatically filled in
• Installment plan: a purchase divided into installments, with the plan already set up
• Quick entry of an expense in just a few taps, even from the widget
• Accounts shared between two people