Mus Budget

Mus Budget is a personal budgeting app that keeps everything on your own device — no account, no cloud, no ads, and nothing about your finances ever leaves your phone unless you choose to back it up yourself. WHAT YOU CAN TRACK • Income Sources — weekly, biweekly, semimonthly, monthly, or custom pay schedules • Budget Items & Periods — fixed expenses, variable expenses, and recurring bills, organized into monthly (or custom) budget periods • Debt Accounts — track balances, interest rates, and payments, with avalanche or snowball payoff strategy projections and a debt-free date estimate • Savings Goals — set targets, log contributions, and see a completion projection • Forecast — project your income and expenses over any date range you choose, with a running total you build by selecting the items that matter to you • Dashboard — a home screen summary of your current period, due items, and expense breakdown, with charts PRIVACY BY DESIGN • No account or sign-up — the app works the moment you open it • No data collection of any kind, and no analytics or advertising SDKs • Everything is stored in a local database on your device only • Optional backup/restore to a file you control — you choose where it goes (your own Google Drive, OneDrive, email, etc.), through your device's own share screen, never through anything this app operates SECURITY • Optional app-lock PIN, with fingerprint/face unlock on supported devices • One-time recovery codes if you ever forget your PIN • Optional passphrase encryption on your backup files Whether you're paying off debt, saving toward a goal, or just want a clear picture of where your money is going, Mus Budget gives you the tools without asking for your data in return.