AnuPlan: Salary Budget Planner

AnuPlan is a monthly salary planning app for people who want their money to have a job before payday arrives. Unlike apps that only track where your money went, AnuPlan helps you decide where it should go — before the month begins. Plan your income across expenses, investments, transfers, and savings. Track what actually happened. Allocate what's left. Watch your wealth build over time. 🔒 100% OFFLINE — YOUR DATA NEVER LEAVES YOUR PHONE No cloud. No account. No sign-up. No server. Every plan, entry, and note stays in a local database on your device. The only time anything leaves your phone is if you personally switch on the optional AnuAI assistant (below). 🗓 THE MONTHLY PLANNING LOOP • PLAN — List your income and plan every outflow by purpose (Home, Utilities, Lifestyle, Wealth, Debt, Emergency). Group money the way you think about it. • ACTUALS — As the month unfolds, mark items paid, skipped, or partial, and log real spends against any plan line. • SURPLUS — Allocate free cash to FDs, SIPs, travel funds, emergency funds, or any custom target. • GOALS — A dedicated Goals tab turns each target into a progress "journey" — how full it is, how fast it's filling, and when you'll reach it — funded automatically from the money you allocate and mark paid. • INSIGHTS — 15 insight cards reveal your wealth rate, income split, plan score, planning streak, commitment creep, idle cash, goal velocity, and more. ⚡ ONE-TAP MONTH SETUP Set up your recurring plan once (rent, EMIs, SIPs, utilities). Each new month, tap "Start From Template" — or clone last month, or start fresh. Your choice. ✨ AnuAI — YOUR PRIVATE FINANCE ASSISTANT (OPTIONAL) Bring your own OpenAI-compatible API key and chat with your own data. Ask "How much did I spend on utilities this quarter?" or "What's my wealth-rate trend?" AnuAI reads your local plan, actuals, and surplus to answer — it's read-only, scope-locked to AnuPlan, and entirely optional. Works with providers like OpenAI, Groq, OpenRouter, Deepseek and local models. Turn it off anytime. 🔔 REMINDERS THAT ACTUALLY HELP 7 smart reminder types (due dates, month-end review, new-month plan, unallocated surplus, deficit alert, pending digest, wealth milestone) plus your own custom reminders with repeat intervals. All on-device notifications. 🎨 FOUR ATMOSPHERIC THEMES Aurora (dark + teal) · Midnight (navy + blue) · Frosted (light + purple) · Graphite (gray + copper). Pick your vibe. 🛡 PRIVATE BY DESIGN • No accounts, no login, no cloud sync • No ads, no trackers, no analytics • 4-digit passcode lock with security-question recovery • 15 currencies with locale-aware formatting (INR, USD, EUR, GBP, and more) • 5 date formats • Export your data anytime as CSV or JSON • Import backups with a preview before anything is applied 👥 WHO ANUPLAN IS FOR • Professionals who want to plan before they spend • People building long-term wealth who track SIPs, FDs, and goals • Anyone tired of finance apps that demand cloud accounts and bank access ONE-TIME PURCHASE — buy once, use forever. All features unlocked. Future updates included. Questions or feedback? Reach out through the in-app About page. Privacy policy: available in the app under Settings → Privacy Policy.