Homvo: Budget & Money Tracker

Take full control of your finances with Homvo — the private, offline-first budget app that keeps your money data on YOUR device. No servers, no tracking, no ads. Ever. **Why Homvo?** Unlike other budget apps that upload your financial data to the cloud, Homvo works 100% offline. Your transactions, budgets, and savings goals stay on your phone — private by design. **ACCOUNTS & TRANSACTIONS** - Manage multiple bank accounts, wallets, and cash - Add transactions in under 5 seconds with smart defaults - Recurring payments calendar — never miss a bill - Subscription tracking to find and cut wasteful spending - Multi-currency support (PLN, EUR, USD) with automatic exchange rates - Tag transactions for flexible grouping and search **BUDGETS THAT WORK** - Create category-based or envelope budgets - Visual progress bars show exactly where you stand - Get alerts before you overspend - Monthly, weekly, or custom budget periods **SAVINGS GOALS** - Set goals for vacations, emergency funds, or big purchases - Track your progress with beautiful visual gauges - Stay motivated with milestone tracking **POWERFUL REPORTS** - 5 chart types: donut, bar, line, grouped bar, savings rate - Spending trends over time - Category breakdowns that reveal your habits - Income vs. expense analysis **SMART CATEGORY MANAGEMENT** - Pre-built categories to get started instantly - Custom categories and subcategories - Auto-categorization rules — Homvo learns your patterns **DEBT TRACKER** - Track money you owe and money owed to you - Payment schedules and reminders **PRIVACY & SECURITY** - All data stored locally — zero cloud dependency - PIN code and biometric (fingerprint/face) lock - Privacy mode — hide balances when others are looking - Optional encrypted backup to Google Drive **BEAUTIFUL DESIGN** - Handcrafted UI with warm amber and cool indigo tones - Dark mode + AMOLED black for battery saving - Clean, distraction-free interface - Material 3 design language **FREEMIUM — NO ADS** - Core features are completely free - No banner ads, no interstitials, no video ads — ever - Pro unlocks: unlimited budgets & goals, advanced reports, cloud backup, custom themes Download Homvo today and start your journey to financial clarity — privately, offline, on your terms.