Akay: Budget, EMI & Reminders

Akay is your personal finance companion — budget, loans, bills, notes and 20+ money tools in one private app that works offline. Everything you enter stays on your phone. No ads. No account needed — start as a guest and sign in only if you want backup. 💰 BUDGET & EXPENSES • Track income and spending by category • Monthly budget with clear "where did my money go" reports • Indian number formatting (₹1,00,000) and amount in words 🏦 LOANS, EMIs & BILLS (DUES) • Track home, car, bike, personal, gold, education and business loans • See EMI, interest, remaining balance and EMIs paid • Month-by-month repayment schedule with principal vs interest • Bill tracker for rent, electricity and other regular bills • Due-date reminders so you never miss a payment • Loan calculator: find your EMI or the real interest rate 📒 CREDIT BOOK (UDHAAR KHATA) • Record money you lend and borrow, person by person • Repayments, interest and reminders • Share a clean PDF statement 👥 BILL SPLIT • Split trip, flat and group expenses • See who owes whom and settle with your UPI app 🧮 FINANCE CALCULATORS EMI, SIP, SWP, FD, RD, PPF, SSY, NPS, GST, simple and compound interest, inflation, retirement, emergency fund, ROI and break-even — plus a full everyday calculator and side-by-side compare. 💱 CURRENCY TOOLS • Currency converter with daily exchange rates • Cash counter — count notes and coins in seconds 📈 PORTFOLIO Keep track of your investments and see current value vs invested. 🔒 SECURE VAULT & CARDS • Store Aadhaar, PAN, passport, licence and policy numbers — encrypted on this device • Save debit and credit cards with hardware-backed encryption; CVV needs your fingerprint or screen lock • Scan cards with the camera • Optional app lock with PIN and screenshot protection on sensitive screens 📝 NOTES & REMINDERS • Colourful notes and checklists with voice typing • Reminders for medicine, meetings, bills or anything — with snooze 📷 QR TOOLS • QR scanner • QR generator for text, links and UPI payments 🏛️ GOVT SERVICES Quick links to official portals like DigiLocker, Income Tax e-Filing, Passport Seva, Parivahan and UIDAI, opened in a secure in-app browser. ☁️ BACKUP & PRIVACY • Optional backup to your own Google Drive • Works offline — internet is needed only for backup, exchange rates and government websites • Available in English and हिन्दी Akay helps you track and calculate. It does not lend money, arrange loans, process payments or give financial advice. Calculator results are estimates — confirm final figures with your bank or lender. Akay is an independent app and is not affiliated with, endorsed by, or representing any government entity. Government services open the official public websites of those departments. Questions or feedback? Write to [email protected]