Paranova: Money Manager

Two ledgers, one app: your personal budget and your business books. Log income and expenses in one tap and keep your budget on track; for your business, keep customers on account, write invoices, and watch payments come in. Ad-free. ★ PERSONAL — no account, offline, free • Income & expense tracking — categorize every transaction • Accounts & cards — manage multiple accounts in one place • Budgets — set category budgets and get alerts when you overspend • Savings goals — watch yourself get closer to what you want • Recurring transactions — auto-log rent, salary, and bills • Subscription tracking — never forget Netflix, Spotify and more • Debts & loans — installment plans and early payoff amounts • Reports & charts — clearly see where your money goes • Smart insights — tips about your spending habits • Multi-currency — each account in its own currency • Face ID / PIN lock — keep your finances private ★ BUSINESS — for shops, freelancers, small companies and teams • Contacts on account — customer and supplier balances on one screen; share a statement, send a reminder over WhatsApp or SMS • Invoices & quotes — automatic numbering, VAT and withholding; turn a quote into an invoice in one tap • Receivables — open and overdue totals on your home screen • Team & roles — invite your team; staff report expenses with a receipt, you approve • Cash register — opening, count, difference • Tax calendar — VAT, withholding and provisional tax periods • Stock — issuing an invoice moves stock; low-stock warnings • Time entries — bill your hours to an invoice • Staff advances & payroll records • Business report & accountant export — share the period's invoices as CSV ★ PRIVACY The personal ledger works with no account, entirely on your device. Cloud backup and cross-device sync are optional and run only if you turn them on. The business ledger syncs across devices and lets you invite a team, so it needs a free Paranova account. Your data is never sold, never used for ads, never shared with third parties. You can delete your account from inside the app at any time. Business modules are free for the length of the beta. ★ WHO IS IT FOR? Anyone who wants to see where their money goes — and anyone running a shop, a freelance practice or a small company from their phone. Contact & support: [email protected]