Cyklo: Pay & Expense Tracker

Take complete control of your personal finances with Spend Wise : Expense Tracker — the 100% offline, local-first money manager designed for total financial privacy and smarter spending. No ads. No cloud tracking. No login required. Your financial data stays strictly on your device. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✨ KEY FEATURES & HIGHLIGHTS ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 💰 SMART SALARY CYCLE TRACKING • Align your budget with your actual salary cycle (e.g., 25th-to-25th, 1st-to-1st, or custom paydays). • Smart month-end clamping automatically handles shorter months (Feb 28/29, Apr 30). • Dynamic Daily Safe Spend indicator tells you exactly how much you can spend per day without running out of money before next payday. 📈 EXPENSES vs INVESTMENTS (WEALTH TRACKING) • Clear separation: Investments (SIPs, Mutual Funds, Stocks, Gold) build net wealth and are never counted as consumption expenses. • Automatic Investment Rate calculations track what percentage of your cash flow goes toward building assets. • Accurate liquid balance accounting across Bank Accounts and Cash Wallet. 🔁 RECURRING TRANSACTIONS & AUTO-COMPLETION • Schedule subscriptions, EMIs, rent, SIPs, and salaries (Daily, Weekly, Monthly, Yearly). • Real-time progress tracking: See exactly how many occurrences have executed (e.g. "4 of 12 executed"). • Automatic Rule Completion: Fixed-term rules (like 1-time payments or 12-month EMIs) automatically transition to the Completed tab when finished. • View past transaction history generated by each recurring rule with execution checkmarks. • One-tap "Create Again" to recreate completed rules effortlessly. 📊 INTERACTIVE ANALYTICS & TRENDS • 6-Month & 12-Month historical trend charts with monthly burn rate analysis. • Interactive category distribution breakdown with percentage allocations. • Standardized compact currency notation (K/M/B) for clean readability. 💳 CREDIT CARD TRACKER & SETTLEMENTS • Track purchases, credit limits, statement dates, and payment due dates. • Separate unbilled spends from billed outstanding balance. • Record CC bill payments with direct liquid bank balance synchronization. 🔒 MAXIMUM PRIVACY & DATA SECURITY • Native Android Biometric (Fingerprint/Face Unlock) and secure 4-digit PIN lock. • Zero Telemetry: No tracking SDKs, no external databases, no third-party data sharing. • PDF Statements: Export clean, formatted financial statements for tax and accounting records. • Factory Reset: Complete one-tap local data purge with zero traces left behind. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🛡️ 100% DATA SOVEREIGNTY & PRIVACY ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Spend Wise operates entirely on an isolated on-device SQLite database. You own 100% of your financial records. Download Spend Wise today and experience private, disciplined financial tracking!