Personal Finance Manager

Personal Finance Manager is a complete money-management app for tracking spending, budgets, loans, savings goals, debts, and subscriptions — across multiple accounts and currencies, all backed by an encrypted on-device database. EXPENSE & INCOME TRACKING • Log expenses, income, and transfers in seconds, with categories, labels, notes, and multiple accounts (cash, bank, cards, wallets) • Multi-currency support with live exchange rates — track accounts in different currencies and see everything converted correctly • Automatic transaction detection from SMS/bank notifications, with a one-tap review-and-add flow • Home-screen widget for adding a transaction without opening the app BUDGETS & GOALS • Set monthly budgets per category with progress bars and over-budget warnings • Create savings goals with target amounts and dates, and track progress visually LENDING, BORROWING & DEBTS • Keep a running ledger of who owes you and who you owe, with optional interest (simple or compound) • Log payments, settle up, and get reminders for due amounts • Debt Payoff Planner — compare snowball vs. avalanche strategies and see a month-by-month payoff schedule for your loans and credit cards RECURRING BILLS & SUBSCRIPTIONS • Track recurring transactions (rent, EMIs, salary) so they're never missed • Subscription Radar surfaces recurring charges and flags upcoming renewals or price changes REPORTS & INSIGHTS • Visual reports for income vs. spending, category breakdowns, and trends • Cash Flow Forecast projects your balance forward based on recurring transactions and due dates • A financial diary for journaling notes alongside your numbers, with a daily streak PRIVACY & BACKUP • Your data is stored locally in an encrypted database — nothing leaves your device unless you choose to back it up • Optional backup and restore via your own Google Drive account DESIGNED FOR PHONES AND TABLETS • A clean, distraction-free interface with light and dark themes • A dedicated tablet layout with a persistent navigation rail and multi-column dashboard • A short guided tour when you first open the app Whether you're tracking a simple budget or juggling multiple accounts, currencies, loans, and subscriptions, Personal Finance Manager keeps it all organized in one place.