Yabe AI Ledger-Expense Tracker

The first step toward financial freedom is knowing exactly where your money goes. "Yabe AI Ledger" is crafted for anyone who values efficiency without intrusive ads. With an intuitive UI, Yabe helps you master every dollar—shifting from "Income - Expenses = Savings" to "Income - Savings = Expenses". Powered by Google Gemini AI, Yabe breaks down bookkeeping barriers so you can stay consistent and reach FIRE (Financial Independence, Retire Early)! ══════════════════════════════ ✨ Key Highlights & Features ══════════════════════════════ 🔥【FIRE 4% Calculator & Magic Apple Tree】 • 4% Target Calculator: Computes retirement net worth from 12-month expenses (Target = Annual Expenses × 25) with compound growth curves. • Magic Apple Tree Story: Learn the 4% rule easily—a tree grows 7 new apples a year (7% return) while you pick 4 (4% withdrawal), keeping your core capital intact! • 5 Data Maturity Levels: Rates dataset confidence with advisory banners and 12-month diagnostics. • 4 FIRE Milestones: Track Coast, Lean, Standard, and Fat FIRE milestones easily! 🎙️【AI Voice Logging】Speak Naturally to Log Expenses • Speak to track! Say "Spent $15 on groceries," and AI auto-detects amount, category, merchant, and account. • Smoothly handles speech pauses with editable preview. • Home-screen shortcut for 1-second voice entry. 📸【Receipt & Bill Scanner】Snap & Let AI Do the Math • Snap paper receipts, invoices, or bills. AI reads itemized purchases, totals, and merchant names instantly. • Share bill screenshots directly from gallery or apps to Yabe for automatic AI parsing. 💳【Installments, 100% Full Advances & Shared Bills】 • Credit Card Installments: Manage 2–120 month plans. Pre-deducts future monthly payments automatically. • 3 Advance Modes: Support "100% Full Advance ($0 cost)", "Split Even", and "Custom Split". Excluded from personal budgets! • Hybrid Installments + Advance: Split large advances (e.g. medical bills) into card installments while tracking full debt recovery. 📊【5 Asset Classes & Personal Balance Sheet】 • View Total Assets (+) and Total Liabilities (-) for true Net Worth. • Categorize Cash, Bank Accounts, Investments, Credit Cards, and Foreign Currencies with live rates. 🎯【Smart Budgets & Daily Allowance】 • Daily Spending Limit: Computed dynamically as "Remaining Budget ÷ Remaining Days" with traffic-light alerts. • Category Budgets: Set limits for dining, entertainment, and groceries. 🛡️【Bank-Grade Security & 100% Local Privacy】 • 100% Local-First: Zero registration. Data stays strictly on your device. • AES-256 & Google Drive Restore: Export encrypted backups locally or restore via personal Google Drive. • SHA-256 & Biometrics: Unlock with fingerprint, Face ID, or SHA-256 PIN. 🔄【Automated Recurring Transactions】 • Schedule salaries, rent, and subscriptions across 8 frequency cycles with anchor-day alignment. 📈【Visual Charts & Period Comparison】 • Area/bar charts pinpoint spending trends. Month-over-Month (MoM) comparison ranks expense changes. ↕️【Projects, Merchants & Customization】 • Track project budgets (trips, renovations). Reorder accounts, categories, and merchants via drag-and-drop. 💡【Everyday Utilities】 • Built-in Calculator, Dark Mode, 15+ live exchange rates, and 100% English & Chinese bilingual support. ══════════════════════════════ Download Yabe now to make smart money management simple and effortless!