My Finance - Money Tracker Live

My Finance is a simple, private money manager. Write down what comes in and what goes out, keep track of what you owe and what others owe you, follow your savings and investments — and see your whole money picture on one Home screen. No sign-up. No bank login. Your data stays on your phone in an encrypted database, and an encrypted copy is kept in a folder you choose (your phone, Google Drive, OneDrive...). WHAT YOU CAN DO HOME DASHBOARD • Net worth at a glance: what you own minus what you owe • This month's income and spending, compared with last month • Cash flow and a savings rate ring • Financial health: savings rate, how many months your cash would last, and debt ratio • "Needs attention": payments due, money to collect and deposits coming up • Spending by category, budget progress and your income plan • Hide all amounts with one tap when someone is near INCOME AND EXPENSES • Record income by source (salary, business, bonus and your own sources) • Record expenses by category and set a monthly budget for each one • See totals, breakdowns and monthly trends • Choose the account the money goes into or comes from, so your balances stay correct by themselves DEBTS AND LOANS • Payables: money you owe — record the debt, pay it in one go or in monthly installments, and see what is pending, due this month or overdue • Receivables: money you lent — record loans and repayments, and see who still owes you • Full payment history that you can edit • Reminders before a due date, even when the app is closed CASH AND BANK • Three kinds of account, the same everywhere in the world: Bank, Mobile banking and Wallet (cash in hand) • Name your accounts yourself — your own bank and mobile banking names • Deposit, withdraw and transfer between accounts • Every balance and your total in one place SAVINGS AND INVESTMENTS • Plan and follow DPS, FDR, savings certificates, bonds, real estate, savings groups, pensions and more • Record deposits, interest and maturity, and see progress for each investment • Daily reminders until a deposit is recorded INCOME PLAN • Decide where each month's income goes with categories and percentages • One-tap 50 / 30 / 20 starter plan, or copy last month's plan MADE FOR PEOPLE EVERYWHERE • Languages: English, বাংলা (Bangla) and हिन्दी (Hindi) — more coming • Currency and number style follow your country, and you can change them any time • Dark and light themes PRIVATE AND SECURE • Encrypted database (AES-256) on your device • Automatic encrypted backup to a folder you choose (for example Google Drive), locked with your own password - restore it on a new phone. Keep your folder and password safe: they are the only way to bring your data back • Optional app lock with a PIN and fingerprint / face unlock • We do not receive your financial data. There are no user accounts EXPORT AND SHARE • Export any page or the whole app — for all time, one month or one year — as Excel, PDF or JSON A LEARNING GUIDE INSIDE • A step-by-step App Usage Guide with search, plus video lessons on YouTube and Facebook My Finance is free and supported by ads: a banner, and one optional video ad a day when you export. It is a tool for keeping your own records: it does not connect to banks, move money or give financial advice. Questions or ideas? Write to [email protected]