Klera: Offline Expense Tracker

Money, made clear. Klera is your private, offline personal finance app — built for India. NO SIGN-UP REQUIRED. Your data stays on your phone, encrypted. Nobody else sees it. ────────────────────────────────────── WHAT YOU CAN DO ────────────────────────────────────── 📒 DAILY EXPENSE TRACKING Record income and expenses in seconds. Organize by category, add notes, and see exactly where your money goes — daily, weekly, or monthly. 🏦 MULTIPLE ACCOUNTS Track cash, bank accounts, digital wallets (UPI/Paytm), and cards in one place. See your net worth across all accounts at a glance. 🤝 PERSONAL IOUs (UDHAAR) Lent money to a friend? Borrowed from a relative? Track it clearly. Know who owes you what — and clear it with one tap. 🎯 SAVINGS GOALS Set a goal (bike, emergency fund, vacation), contribute regularly, and watch your progress. 📊 BUDGETS Set monthly budgets by category. Get a clear picture of what you have left to spend. 🏠 LOAN TENURE PLANNER Compare two loan scenarios side by side. See how changing the EMI or tenure affects your total interest. Plan smarter, not harder. 📈 SIP & INVESTMENT CALCULATORS SIP returns, EMI calculator, compound interest, goal SIP — all the calculators you actually need, built in. ────────────────────────────────────── WHY KLERA IS DIFFERENT ────────────────────────────────────── 🔒 100% PRIVATE Your financial data never leaves your device. We don't collect analytics, sell your data, or require an account. Not even for crash reports. 📵 WORKS OFFLINE, ALWAYS No internet? No problem. Every feature works without a network connection. 🔐 ENCRYPTED DATABASE Your data is protected by AES-256 encryption (the same standard used by banks). The key is stored in your phone's secure hardware — not on our servers. 🇮🇳 BUILT FOR INDIA Indian number formats (₹ lakhs, crores), UPI-first thinking, and a UI that makes sense for Indian household finance. ────────────────────────────────────── COMING SOON ────────────────────────────────────── • Group splits with UPI settle links • Multi-device sync (opt-in, encrypted) • PDF statements & tax-ready reports • Domestic staff salary tracking ────────────────────────────────────── PERMISSIONS ────────────────────────────────────── • Biometric / device PIN — to lock the app (no biometric data is accessed by us) • Notification access (optional) — to auto-capture bank/UPI payment confirmations from allowlisted apps; never reads other notifications. • SMS (optional) — to auto-capture bank/UPI transaction SMS from allowlisted bank senders only; parsed entirely on your device, never uploaded. Off by default. See our Privacy Policy for details. • No contacts permission. No location permission. ────────────────────────────────────── PRIVACY ────────────────────────────────────── Privacy Policy: https://kleraapp.com/privacy All data is stored only on your device. Use Settings → Export My Data to take your data with you at any time. Questions? [email protected]