Money Tracker: Expense Manager

Money Tracker is a simple offline expense tracker, budget planner and money manager. Record daily expenses, track income, plan monthly budgets and see how much you can safely spend today without connecting your bank or creating an account. Your transaction records are stored on your phone. TRACK EXPENSES IN SECONDS Skip complicated forms. Just type what happened: • "Spent 12 on lunch" adds an expense to a category. • "Rent 1200 every month on the 1st" creates a recurring bill with reminders. • "Set budget 300 for groceries" creates a budget. • "Save 1000 for vacation" sets a savings goal. Review a preview and confirm before anything is saved. Smart text entry works offline and supports 9 languages, including Spanish, Hindi and Arabic. DAILY EXPENSE & INCOME TRACKER • Log expenses, income and transfers quickly. • Organize transactions by category and account. • Search your spending history. • View monthly spending reports and see where your money goes. • Export transaction records as CSV files. SAFE TO SPEND: PLAN YOUR DAILY SPENDING Wondering how much you can afford before payday? Safe to Spend estimates what you can spend each day based on the income, upcoming bills, debt payments, savings targets and safety buffer you enter. Make everyday spending decisions with a clearer picture of your money. MONTHLY BUDGET PLANNER Create budgets for groceries, dining, transport, shopping and more. See how much of each budget is left, track spending as it happens and catch overspending early. Keep your expense tracker and budget tracker together in one app. BILL REMINDERS & RECURRING PAYMENTS Track rent, utilities, subscriptions, credit card payments and other bills. Get reminders before and on due dates. Upcoming bills are included in your Safe to Spend estimate so they don't catch you by surprise. DEBT PAYOFF PLANNER Add credit cards and loans, track what you owe and compare debt snowball with debt avalanche payoff methods. See estimated payoff dates and interest savings. Money Pro includes extra-payment scenarios to explore faster debt payoff. SAVINGS GOAL TRACKER Save for an emergency fund, vacation or big purchase. Set a target amount and date, then see how much to put aside each month. ASK AI ABOUT YOUR MONEY Ask questions like "Where did I overspend?" or "Can I afford this purchase?" and get straightforward explanations. Financial calculations come from the app, not AI guesses. AI questions require an internet connection and send only the figures needed for your question. PRIVATE, OFFLINE MONEY MANAGEMENT • No bank login, card connection, SMS access or required signup. • Expense tracking, budgets, bills and debt planning work offline. • Financial records are stored in an encrypted database on your device. • Optional app lock using fingerprint or device screen lock. • Backup to a file and restore when changing phones. REPORTS & FINANCIAL CALCULATORS Review spending reports, use dark mode and calculate loan payments, mortgages, compound interest and percentages. FREE EXPENSE TRACKER + OPTIONAL MONEY PRO The free version includes ads, unlimited transactions, 4 accounts, 3 budgets, 2 savings goals, 2 debts and 5 AI questions per month. Money Pro removes ads, expands tracking limits, adds 6-month and yearly reports, extra-payment debt scenarios and 100 AI questions per month. Money Tracker provides expense tracking, budgeting and debt planning for information only. It does not offer banking, loans, credit or investment advice. Spending and payoff estimates depend on the information you enter.