Expense Tracker

Take control of your money with Expense Tracker, an offline-first personal finance app for Android. Track income, expenses, credit cards, loans, investments, and net worth — all stored locally on your device, with no account and no server. ACCOUNT MANAGEMENT - 7 account types: Bank, Cash, Wallet, Credit Card, Other, Investment, Liability - Credit card tracking with billing cycle, due dates, minimum payment, outstanding balance, and utilization percentage - Investment tracking with invested amount and maturity date - Liability tracking with EMI schedules and amortization tables - Balance Sheet view with full assets vs liabilities breakdown - Unified transfer screen for transfers, card payments, and EMI payments - Customizable Chart of Accounts with category groups TRANSACTION TRACKING - 3 transaction types: Expense, Income, Transfer - Multi-line transactions — split one entry across multiple categories/accounts - Merchant tracking with autocomplete from previous entries - Recurring transactions with auto-generation on schedule - Fixed monthly expenses (rent, subscriptions, bills) - Salary distribution across categories - Search by text, category, account, merchant, or date range - Manual date entry with automatic / separators, or pick from the calendar CREDIT CARD MANAGEMENT - Smart CC statement with billing cycle visualization - Category-wise spending breakdown within each cycle - Deferred transactions (post-statement) shown separately - Payment impact comparison — minimum vs full payment - Due date tracking with color-coded urgency warnings LOANS & EMIS - Loan tracking with principal, interest rate, tenure, and EMI amount - Given loans — track money you've lent to others - Full amortization schedule with principal/interest breakdown - 4 interest types: Reducing balance, Simple, No interest, Pay at end - EMI schedule with visual status indicators - Loan foreclosure with automatic split between interest and principal - Import existing EMIs from a CSV file FINANCIAL FORECASTING - Monthly cash flow projection for 3/6/12 months ahead - Fixed expenses, variable expenses, loan EMIs, and CC dues - Investment returns calculation - Income from given loans (EMI received) - Surplus/deficit warnings with cumulative balance tracking REPORTS & EXPORT - Income Statement (P&L), Balance Sheet and Cash Flow Statement - Merchant Report, spending charts and trends - Budget tracking per category with overspend warnings - Multi-sheet CSV export: - Expenses and Income (Date, Category, Amount, Note, Merchant, Payment Method, Account) - Transfers (Date, From, To, Amount, Note, Payment Method) - EMI Payments (Date, Loan Name, Principal, Interest, Total, Bank Account) - Given Loans (Date, Borrower, Principal, Interest, Total) - Monthly or All Time export DATA MANAGEMENT - Google Drive and local device backup and restore - Auto-backup with configurable frequency (Manual/Hourly/Daily/Weekly/Monthly) - Unified backup UI — local and cloud in one place - Onboarding finds a previous backup automatically on a new phone SETTINGS & CUSTOMIZATION - 10+ currencies (INR, USD, EUR, GBP, JPY, AED, SAR, SGD, CAD, AUD) - Light, Dark, and System theme modes - Configurable decimal places for currency display - Books Beginning Date — filter all reports from a specific start date SUPPORT THE DEVELOPER - One-time support tiers, no subscription - Removes ads and shows a supporter badge - Lifetime option available PRIVACY FIRST - No account, no sign-up — your data never reaches us, we run no servers - All financial data stored locally as JSON on your device - Works fully offline; internet used only for optional Google Drive backup, ads and purchases - Optional one-time backup to your own Google Drive, or a local backup file - CSV export to any location you choose - Free version shows ads; one-time purchase removes them.