Be Smart

Be Smart helps you take control of your personal finances — track spending, stay on top of recurring bills, split group expenses, and plan your budget with confidence. EXPENSE TRACKING Add transactions in seconds. Categorize your spending across needs, wants, and savings. Filter by month or category and see a live breakdown of where your money is going. BILL REMINDERS Set up recurring bills — rent, subscriptions, utilities — and get notified days before each one is due. Be Smart tracks payment history and automatically advances the cycle when you mark a bill paid, so nothing ever slips through. SMART BUDGETING Enter your monthly income and choose a budgeting style: the classic 50/30/20 split (needs / wants / savings) or a fully custom allocation. Track your progress in real time and see whether your spending is on track. EXPENSE SPLITTER Splitting a restaurant bill or a group trip? Add the items, assign who ordered what, and let Be Smart handle the math — including tax, service charges, discounts, and vouchers. Share the itemized summary as text or an image with one tap. PRIVATE BY DESIGN Your data never leaves your device. No accounts, no cloud sync, no subscriptions. Set a 4-digit PIN or use your fingerprint to lock the app when it's not in use. BACKUP & RESTORE Export all your data to a file and restore it on any device — or after a reinstall. Full control, no third-party servers involved. FEATURES AT A GLANCE • Monthly expense tracking with custom categories • Recurring bill management with flexible reminders • 50/30/20 and fully custom budget plans • Savings goal tracking as a % of income • Itemized expense splitter (tax, service, discount, voucher) • Share split receipts as text or image • PIN lock and biometric (fingerprint) lock • Light and dark themes • 6 languages: English, Spanish, French, Simplified Chinese, Malay, Arabic (with RTL) • 100% offline — works without an internet connection NOTE: Be Smart is a personal finance organizer. It is not a regulated financial service and does not provide investment, tax, or financial advice.