About

Full-featured offline personal finance manager - double-entry accounting system that tracks income, expenses, credit cards, loans, investments, budgets, and net worth. All data stays on your device. No accounts, no cloud, no sign-in required.

Account Management

• Seven account types - Bank, Cash, Wallet, Credit Card, Investment, Liability, Other
• Full chart of accounts with balance tracking, icons, and colours
• Account ledger with transaction history per account
• Active/inactive toggle and custom sort order

Transactions

• Three types - Expense, Income, and Transfer
• Multi-line transactions - split across multiple categories and accounts in one entry
• Merchant tracking with autocomplete from previous entries
• Payment method, notes, and full-text search
• Haptic feedback on key actions

Credit Card Management

• Credit limit, billing day, due day, statement day, minimum payment percentage
• Available credit and utilization percentage tracking
• Monthly CC statement - billing cycle visualization, opening balance, category breakdown
• Minimum vs full payment comparison with balance after payment
• Due date warnings on home screen for upcoming CC dues

Loan Tracking

• Borrowed and Given loans - auto-creates linked Liability/Asset accounts
• Six loan types - Personal, Home, Bike, Car, Education, Other
• Four interest types - Reducing balance, Simple interest, No interest, Pay at end
• EMI schedule with principal/interest breakdown, custom payments, and foreclosure
• CSV import for EMI schedules from spreadsheets
• Progress tracking with visual progress bars

Financial Reports

• Income Statement - income vs expenses with category breakdown
• Balance Sheet - assets, liabilities, equity with retained earnings
• Cash Flow Statement - operating, investing, financing activities
• Cash Flow Forecast - 3/6/12 month projections using historical averages
• CC Statement Report and Merchant Report
• Charts - monthly cash flow bars, expense breakdown donut, net worth trend

Budget & Recurring

• Monthly spending limits per category with progress bars and over-budget warnings
• Recurring transactions auto-generate on schedule and feed into forecasts
• Fixed expenses tracked separately with forecast integration

Export & Backup

• Multi-sheet CSV export - Expenses, Income, Transfers, EMI Payments, Given Loans
• Monthly or all-time export with share integration
• Local backup - survives uninstall via Android media directory
• Google Drive backup with auto-backup (hourly/daily/weekly/monthly)
• Onboarding restore - fresh install scans for existing backups

Settings & Customization

• Eight currencies - INR, USD, EUR, GBP, JPY, KRW, VND, THB
• Configurable decimal places synced with currency
• Light, Dark, and System Default themes with Material 3
• Books Beginning Date - set a financial epoch for all reports
• Full category management - edit, delete, group, and reorder