Baulance

Take complete control of your personal finances with Baulance—the secure, offline-first, subscription-free budget and transaction tracker designed for absolute privacy. Baulance helps you manage checking accounts, savings, credit cards, mortgages, and loans all in one beautifully unified place. Best of all, your financial data belongs strictly to you. With zero cloud databases and no intermediary servers, your information never leaves your physical devices. Need to share or collaborate on budgets with a spouse, partner, or secondary phone? Baulance features a custom-built, state-of-the-art hybrid peer-to-peer (P2P) sync engine that lets you merge databases bidirectionally over secure local Wi-Fi or Bluetooth Low Energy (BLE)—without ever putting your data on the cloud. WHY CHOOSE BAULANCE? • 100% OFFLINE-FIRST: No account registration, no third-party server logins, and no data tracking. Your financial records are encrypted and stored locally on your device. • CROSS-PLATFORM P2P SYNC: Swap, sync, and merge financial records directly between Android and iOS devices using localized Wi-Fi (Ktor) or Bluetooth (BLE). • ZERO FEES, ZERO SUBSCRIPTIONS: Get premium personal finance tracking and shared syncing features with no hidden charges, paywalls, or monthly subscription fees. 📅 DYNAMIC BILL CALENDAR & SCHEDULED EVENTS Never miss a credit card bill, mortgage payment, or subscription renewal again. Baulance features an interactive, visual monthly Calendar that transforms your scheduled transactions into easy-to-track calendar events: • VISUAL COLOR-CODED TRACKING: Instantly see your financial month at a glance. Scheduled events are marked with smart, color-coded indicators (red for unpaid/pending bills, green for cleared/paid transactions, and neutral colors for future upcoming transfers). • SCHEDULE FUTURE & RECURRING TRANSACTIONS: Easily log one-time future expenses, paycheck deposits, or repeating recurring payments (monthly, bi-weekly, weekly) and watch them map onto your calendar automatically. • CUSTOMIZABLE "DAYS BEFORE" ALERTS: Choose how early you want to be notified. Whether it is 3, 7, or 14 days before, Baulance dynamically displays upcoming events in your main dashboard banner so you can prepare your cash flow. • FAST INTERACTIVE EDITS: Tap any calendar day to instantly pull up a prefilled details tray. Mark a bill as paid (cleared) or adjust the payment date directly with a single touch. CORE FEATURES INCLUDE: • FLEXIBLE ACCOUNT LEDGERS: Track balances across multiple account types, including Checking, Savings, Credit Cards, Mortgages, Auto Loans, and Custom accounts. • LIGHTNING-FAST P2P MERGING: Experience O(1) sub-millisecond database merging that instantly matches transaction sync IDs, prevents duplicates, and aligns balances down to the penny. • DYNAMIC FINANCIAL ANALYTICS: Explore your spending habits with clean, interactive charts and category diagnostics. Spot financial trends and track your monthly cash flow in real-time. • RECURRING TRANSACTIONS: Easily automate repeated income or bill payments with custom scheduling. • PASSCODE LOCK & PROTECTION: Keep snooping eyes away from your ledger with custom secure passcode protection. • SECURE AUTOMATIC BACKUPS: Safeguard your data with scheduled local folder backups, ensuring you can easily restore your accounts at any time. HOW THE HYBRID SYNC ENGINE WORKS: 1. GENERATE A PAIRING QR CODE: Choose the account ledger you want to share and instantly generate a secure, QR code containing a unique AES-256 encryption key. 2. SCAN & LINK: Scan the QR code on your partner's phone. Your devices are now cryptographically linked. 3. SYNC ANYWHERE, ANYTIME: Sync over local Wi-Fi when you are on the same home network, or switch seamlessly to Bluetooth (BLE) when you are on the go. Your databases merge securely in seconds! Download Baulance today and experience financial peace of mind with absolute privacy and seamless local syncing!