Fondo: Budget Planner & Bills Live

Fondo is a private budget planner and expense tracker that helps you plan every paycheck, stay ahead of your bills, and finally see where your money goes. No bank login. No sign-up. No ads. Your budget stays on your phone and works offline. ★ A BUDGET PLANNER BUILT AROUND YOUR PAYCHECK Add your income, then plan necessities, bills, subscriptions, family support, fun money, savings and debt payments. Fondo always shows what's left to spend this cycle. Paid weekly, biweekly or monthly? Fondo turns every amount into one honest monthly budget. ★ EXPENSE TRACKER & SPENDING LOG Tick items off as you pay them and log daily spending against your plan, so you know exactly how much of the grocery or gas budget is left. ★ BILL TRACKER WITH REMINDERS Keep rent, utilities, phone and every other recurring bill in one bill organizer. Set a due day and get a bill reminder before it's due: monthly, weekly or yearly. ★ SUBSCRIPTION TRACKER See every subscription and what it really costs per year. The subscription radar shows what you're paying across the year, so you can cancel what you don't use. ★ SAVINGS GOALS & SINKING FUNDS Set money aside every cycle, build an emergency fund, and split your savings across goals by priority with auto-fund. Watch your savings total grow. ★ DEBT PAYOFF PLANNER Track credit cards and loans, choose debt snowball or debt avalanche, and see what to pay first. The debt-free forecast shows your payoff date and the interest you'll pay along the way. A loan calculator is included. ★ SEE TROUBLE BEFORE IT HAPPENS • What-if planner: test a raise, a new bill or a big purchase safely before you commit. • Cashflow calendar: a day-by-day projection of your balance, so you can spot a low point early. • Projections: plan next month and the months after it. • Insights: planned vs paid by category, and where your money went. ★ PRIVATE BY DESIGN • Your budget is stored on your device. No cloud account, no bank connection. • Lock the app with your fingerprint or face unlock, and hide amounts with one tap. • Back up and restore your data from a file you control. Pro adds password-protected, encrypted backups. ★ MADE FOR REAL LIFE • 30 currencies, including USD, EUR, GBP, CAD, AUD and MXN. • English, Spanish and Arabic, with full right-to-left layout. • Light and dark mode. ★ FREE TO START The core budget, bill reminders, app lock and full backups are free. Fondo Pro is an optional monthly or annual subscription with a free trial (the annual plan saves about 30%). Pro unlocks the what-if planner, cashflow calendar, debt-free forecast, subscription radar, multi-month projections, search across every month, full-history insights, unlimited savings goals, Financial Freedom and Mortgage calculators, CSV export, encrypted backups, and accent themes with alternate app icons. Cancel anytime. Whether you live paycheck to paycheck, are paying off debt, or just want a simple monthly budget and money manager for your household, Fondo makes personal finance calm and private. Fondo: money with a plan.