Money Badger

Money Badger — Guard Your Wealth. Attack Your Debt. Your personal finance companion built for India. Track every rupee of income, expenses, loans, and savings — all offline, all private, all free. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ WHY MONEY BADGER? Like the honey badger — fearless, relentless, and protective — this app guards your wealth and attacks your debt with zero compromise. Most budgeting apps are complicated. Money Badger is simple: set up once, track everything automatically. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ KEY FEATURES SMART BUDGET TRACKING • Fixed Budget — exact amount, auto-deducted on due date • Variable Budget — spending cap, deducted only when you actually pay • Tap to Spend — variable budgets on home screen for quick expense logging • Pay button on every category — one tap to mark as paid AUTO-PAY SYSTEM • Set EMI due dates for loans and SIP dates for investments • Auto-pay deducts from your balance when the date passes • Manual pay option with one-tap Pay button • Never miss tracking a payment again LOAN MANAGEMENT • Track Home Loan, Personal Loan, Gold Loan, Car Loan, Education Loan • Three interest types: Simple Interest, Amortization (EMI), Fixed Interest • EMI breakdown — see exactly how much goes to interest vs principal • Interest-only loans tracked separately (principal unchanged) • Debt avalanche strategy support SAVINGS & INVESTMENT TRACKING • SIP, Mutual Fund, PPF, PF/EPF, NPS, LIC, Fixed Deposit • Gold, Property, Stocks, Cash tracking • Monthly addition with auto-increment • Growth rate projections • Auto-sync to budget as investment expenses MONTHLY ROLLOVER • Unspent balance carries forward to next month • Previous months locked and read-only • Monthly snapshots for long-term tracking • Budget auto-created each month based on your setup COMPLETE DASHBOARD • Available balance — salary minus spent • Monthly budget, amount paid, budget left, surplus • Recent transactions • Debt status with payoff phase tracking • Net worth = total assets minus total debt GUIDED SETUP • 6-step onboarding — name, income, loans, savings, expenses, notifications • Preset categories — no typing needed for common items • Dropdown selectors with "Add new category" option • Edit everything anytime from home screen or settings ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ BUILT FOR INDIA • Indian Rupee (INR) with Indian numbering: ₹1,23,456 • Preset categories: SIP, MF, PPF, PF, NPS, LIC, Home Loan, Gold Loan • Salary date tracking • Quarterly and yearly income support • Bonus month allocation ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 100% OFFLINE & PRIVATE • All data stored locally on your device • No servers, no cloud, no accounts to create • No analytics or tracking • No subscriptions — completely free • Export your data as JSON anytime ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ WHO IS THIS FOR? • Salaried professionals tracking monthly budget • Anyone with EMIs who wants auto-tracking • People with SIPs, PPF, and multiple savings • Anyone who wants to see their complete financial picture • People who value privacy and offline-first apps ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Money Badger — because your money deserves a bodyguard. Download now. Set up in 5 minutes. Track everything automatically.