Balance: Budget & Debts

Balance tells you how much is left this month and what share of your income goes to debt payments. No account, no cloud and no bank credentials: everything stays on your phone. CLEAR AT A GLANCE • What is left this month: income minus debt payments, fixed expenses and what you already spent. • Your debt load on the home screen, color-coded: healthy, manageable, high or critical. • What is due soon: loan installments, statement cut-offs and card payments. TRANSACTIONS AND REPORTS • Record expenses, income and transfers in any currency, with illustrated categories, notes and tags. • Recurring income: enter your salary once and it counts in full every month. • Reports by category, comparison with the previous month and history. • Budgets by category and savings goals. DEBTS AND CARDS • Loans with installment, rate, term and remaining balance. • Payment simulator: see how much time and interest an extra payment saves, and where it pays off most. • Credit cards without sensitive data: just name, statement date, minimum and full payment, even in two currencies. • Payment reminders 3 days before, the day before and on the due date. LESS MANUAL WORK • Payment detection: reads your bank and wallet notifications on your phone and offers to record them with one tap. Nothing is saved until you approve it; email and chats are never read. • Scan receipts with the camera or from a PDF: total, merchant and date fill themselves in, with text recognition that runs on the device. • Automatic exchange rate for colones and dollars (Central Bank of Costa Rica), editable by hand. PRIVATE BY DESIGN • No sign-up, no servers: your data never leaves the phone. • Neither the notifications it reads nor your receipt photos are sent to the internet. • One-file backup that you control. • Spanish and English, light and dark theme. Balance is a tool to get organized, not a financial service: interest simulations are estimates and your bank may calculate differently.