Vynance

Vynance is a private expense tracker and budget planner for Android. Log what you spend, what you owe and what you own — and see exactly where your money goes, without handing your financial life to a server. 🔒 YOUR MONEY DATA NEVER LEAVES YOUR PHONE There is no Vynance account and no Vynance server. Every transaction, balance and receipt lives in a private database on your device. No ads. No analytics. No tracking. No selling your data. Vynance does not connect to your bank, cannot read your statements and cannot move money — it is a personal ledger you control, and it works offline. The only copy that ever leaves your phone is a backup you choose to make to your own Google Drive. 💸 EXPENSE TRACKING THAT TAKES SECONDS • Add income, expenses and transfers in a couple of taps • Voice entry — just say the expense • Attach a receipt photo to any transaction • Categories, tags, payment modes and notes • Fast search, filters and sorting across your whole history • Calendar view of daily spending • Recurring transactions for rent, bills, salary and subscriptions • Home-screen widget for balance at a glance 🏦 ALL YOUR ACCOUNTS IN ONE MONEY MANAGER • Bank, cash, wallet, credit card and investment accounts • Multi-currency support with automatic exchange rates, all totals shown in your home currency • Net worth view — assets versus liabilities, updated as you go • Credit card tracking: limits, utilisation, billing cycles and payment-due reminders 📊 BUDGET PLANNER AND SPENDING LIMITS • Monthly budgets per category • Colour-coded progress rings that show what is left, not just what is spent • Local alerts as you approach or cross a limit • Over-budget warnings before the month gets away from you 🤝 DEBTS, LOANS AND IOUS • Track money lent and money borrowed, person by person • Record part-payments and see the running balance • Know what is outstanding and what is overdue 📈 REPORTS AND INSIGHTS • Category breakdowns and spending trends over time • Income vs expenses, cash flow and savings rate • Best month, average monthly spend and top expense at a glance • Plain-language insights that tell you what actually changed this month 🎯 SAVINGS, INVESTMENTS AND RETIREMENT • Savings goals with progress tracking • Record investment values over time from your own statements • Pension and retirement plan tracking — contributions against growth 🎨 BUILT TO FEEL GOOD TO USE • Modern Material 3 design with light and dark themes • Customisable home screen — arrange the sections you actually use • Biometric app lock • Export your data any time as CSV or PDF, and import from CSV • Optional backup to your own private Google Drive folder • Notification centre for budget, bill and reminder alerts WHO VYNANCE IS FOR Anyone who wants a daily expense manager and budget app that is genuinely private: people tracking household spending, freelancers separating personal and work money, students on a tight monthly budget, and anyone who wants a clear picture of their net worth without linking a bank account. PREMIUM Vynance is free to use for everyday expense tracking and budgeting. An optional Premium upgrade unlocks advanced features — you will never be asked to pay to see your own data, and there are no ads either way.