MoneyMate - Smart Budget Track

MoneyMate is a personal finance manager that keeps your money on your phone — now with AI that understands Bangla. Every account, transaction, budget and bill lives in a database on your own phone. There is no sign-in and no cloud account, and your records are never uploaded. Everything works offline; the optional AI features send only what they need, only when you use them, and only after you allow each one. AI THAT SPEAKS YOUR LANGUAGE • Scan a receipt — snap a photo and the amount, shop, date and category fill in. Reads Bangla and English receipts. • Say an expense — "lunch 250 taka" or "রিকশা ভাড়া ৬০ টাকা", and it's written down for you to check and save. • Ask MoneyMate — "Where did my money go this month?" "Am I on budget?" Answers come from your own totals. • Smart insights — a month-end forecast, spending spikes and budget warnings, worked out on your phone. • Auto-categorise — learns which category you use for each shop, on your phone. • Siri — "Add an expense in MoneyMate". Long-press the app icon for quick actions. WHAT YOU CAN TRACK • Accounts — cash, bank, mobile wallet, credit card and savings, each with its own colour and opening balance. • Transactions — income, expenses and transfers, with category, payee, note, labels and an optional receipt photo. A calculator keypad keeps the amount, category and account on one screen. • Categories — a ready-made tree covering food, shopping, housing, transport and bills, plus your own, nested however you like. • Budgets — weekly, monthly or custom limits per category or overall, with a progress bar and a notification at 80% and 100%. • Planned payments — upcoming and overdue bills, with reminders. Marking one paid records the real expense. • Recurring records — daily, weekly, monthly or yearly rules that post themselves, and catch up on anything missed while the app was closed. • Debts and goals — money owed in either direction with partial repayment and a payoff schedule, plus savings targets with progress. • Reports — spending by category, cash flow, and a balance trend over time, filtered by date range and account. IMPORT AND BACKUP • Import a CSV or PDF statement from your bank. Columns are detected and shown for you to correct, rows already in your records are flagged, and nothing is written until you confirm. • Export your ledger to CSV for a spreadsheet. • Take a full encrypted backup — AES-256-GCM under a passphrase only you know — and restore it on a new phone. PRIVATE BY DESIGN • Your records are never uploaded. AI requests are processed and discarded — nothing is kept on our server. • Each AI feature asks your permission first, and can be turned off any time in More → AI & privacy. • No analytics, no crash reporting, no advertising, no tracking of any kind. • No permission to read your messages. The camera and microphone are used only when you tap Scan or Speak. • Lock the app with a PIN, Face ID or Touch ID. • Delete everything at any time from Settings, or by uninstalling. Available in English and বাংলা. You pick your currency when you first open the app, and every figure is shown in it. The app follows your system light or dark theme.