PaymenTracker Live

💰 PaymenTracker — Your Private, Offline-First Expense & Debt Tracker Take complete control of your money. PaymenTracker is a beautiful, privacy-first personal finance app that works 100% offline. No ads. No subscriptions. No data harvesting. Your financial data stays on YOUR device. ━━━ WHY PAYMENTRACKER? ━━━ ✅ 100% Offline — No internet needed. Your data never leaves your phone. ✅ Zero Ads, Zero Subscriptions — Completely free forever. ✅ Bank-Grade Security — PIN lock + Biometric authentication. ✅ Google Drive Backup — Encrypted cloud backup to YOUR private Drive. ━━━ POWERFUL FEATURES ━━━ 💳 COMPLETE EXPENSE & INCOME TRACKING • Track Income, Expenses, Transfers across multiple accounts • Manage Cash, Bank, Credit Card, UPI, and Digital Wallet accounts • Attach receipt photos to any transaction • 7 payment modes: Cash, UPI, GPay, PhonePe, Card, Net Banking, Cheque 👥 DEBT LEDGER (LEND & BORROW) • Track who owes you and who you owe — with net balance summaries • Record partial and full settlements with audit notes • Contact picker integration for quick person entry • Perfect for splitting bills, lending to friends, or family finances 📊 SMART ANALYTICS & INSIGHTS • Monthly cash flow bar charts (income vs expense vs net) • Category spending donut charts with drill-down • Month-over-month comparison with savings rate • Automated financial health insight cards 🎯 BUDGETS & RECURRING BILLS • Set monthly spending limits per category • Visual progress bars with Safe / Warning / Exceeded status • Automated recurring transactions: daily, weekly, monthly, yearly • Never miss a subscription or bill payment ⏰ SMART REMINDERS & NOTIFICATIONS • Payment reminders for bills, insurance, recharges • Budget alert notifications at 80% and 100% thresholds • Daily and weekly spending digest summaries • Overdue debt reminders for outstanding loans 🔍 POWERFUL SEARCH & FILTER • Full-text search across all transactions • Filter by date, type, account, category, amount range • Quick presets: Today, This Week, This Month, Custom Range 🔒 PRIVACY & SECURITY • App Lock with PIN + Fingerprint / Face Unlock • Auto-lock after 60 seconds in background • PBKDF2 cryptographic PIN hashing (bank-grade) • Zero analytics. Zero tracking. Zero third-party servers. ☁️ BACKUP & EXPORT • Google Drive encrypted cloud backup (your private appDataFolder) • Automatic backup: Daily, Weekly, or Monthly scheduling • Export branded PDF financial statements • CSV Import & Export for Excel / Google Sheets compatibility 📱 BEAUTIFUL DESIGN • Material Design 3 (M3 Expressive) — premium, modern interface • Home screen widget for quick spending overview • Dark mode support with elegant tonal color system • Edge-to-edge design optimized for Android 15/16 🔥 DAILY STREAK TRACKER • Gamified streak system rewards consistent financial logging • Track your current and longest logging streak ━━━ PERFECT FOR ━━━ • Students tracking pocket money and hostel expenses • Freelancers managing income from multiple clients • Families tracking shared household expenses • Anyone lending or borrowing money with friends • Small business owners tracking cash flow • People who value privacy and want NO ADS Download PaymenTracker today and take control of your finances — privately, securely, and beautifully. Tags: expense tracker, money manager, budget planner, debt tracker, personal finance, offline expense app, spending tracker, bill reminder, income tracker, savings tracker, financial diary, money diary