FinTracker — Money & Net Worth

FinTracker is a private, on-device finance tracker that helps you see where your money goes — without ever sending your data to a server. This is NOT a banking app. FinTracker does not connect to your bank, broker, or any lending partner. You enter what you want to track and FinTracker organises it for you. That's the whole deal. WHAT FINTRACKER DOES • Logs your day-to-day spending and income in seconds • Tracks balances across savings accounts, credit cards, loans, and investments you choose to record • Sets monthly budgets per category and shows where you are vs your limit • Records insurance premiums, EMIs, and recurring mandates so nothing is missed • Charts cash flow, top merchants, and spending trends over time • Brings every part of your money picture into one place — your overall financial portfolio at a glance PRIVACY YOU CAN VERIFY • 100% on-device. Your transactions, balances, and personal data live in a local SQLite database on your phone — they are never uploaded to any server owned by us. • Zero developer telemetry. The developer does not collect, see, or use any of your data. No analytics, no ads, no profile building, no selling. • Optional cloud backup is YOUR cloud. If you choose to back up, the file goes directly from your phone to your own Google Drive or OneDrive account using your sign-in. We do not have, and cannot get, a copy. • Optional encryption. Set a master key and your backup files are encrypted on your device before they leave it. Without your key, the file is unreadable. • Works offline. Internet is not required for any core feature. PRICING • Free for 30 days — full app, nothing locked. • After that, a monthly or yearly subscription (price shown in-app, billed by Google Play). Cancel anytime — your data stays on your device either way. • Export to CSV, Excel, or encrypted backup always works, subscribed or not. WHAT FINTRACKER IS NOT • Not a bank account, wallet, or payment app • Not a lender, loan provider, credit-score service, or investment platform • Not connected to any bank, brokerage, UPI provider, or financial partner • Does not move money or initiate payments You stay in full control. FinTracker only knows what you type into it. KEY FEATURES • Accounts — savings, fixed deposits, current accounts, and credit cards with outstanding balances and limits • Loans & EMIs — track principal, interest, EMI schedule, and payments made • Insurance — policy details, premium amounts, and renewal reminders • Mandates / SIPs — recurring debits with frequency and next-due tracking • Investments — mutual funds, stocks, fixed instruments, gold, bonds, and more • Budgets — per-category monthly limits with master template that auto-applies each month • Reports — spending calendar, category breakdown, cash flow, top merchants • Notifications — low balance, upcoming mandates, and insurance renewal alerts • Dues & Circles — track money you've lent or borrowed from people • Multi-currency — INR, USD, EUR, GBP, JPY, SGD with locale-appropriate number formatting • 23 languages — full UI translation including English (IN/US/EU/GB/SG), Hindi, Bengali, Telugu, Marathi, Tamil, Gujarati, Kannada, Malayalam, Odia, Punjabi, Urdu, Assamese, Japanese, German, French, Spanish (ES/Latin America), Chinese, and Malay • App lock with biometric authentication or PIN • Five themes including high-contrast for visual accessibility • Export and import in CSV, Excel, and encrypted backup formats GOOD TO KNOW FinTracker is for people who want a clear, honest view of their spending without trusting a server with their financial life. If you want auto-fetched balances or bank-linked investing, this isn't the app — that's by design.