Bare Finance

Your complete personal finance toolkit — 100% offline, no account needed, no bank linking. Your data never leaves your device.

📊 BUDGET TRACKER
Track every dollar of income and expenses. See where your money goes with color-coded pie charts and category breakdowns.
• Monthly navigation — browse spending month by month
• Search & filter transactions by name, category, or type
• Recurring transactions — auto-post monthly bills
• Swipe-to-delete with undo
• Home screen widget for at-a-glance balance

🏠 MORTGAGE CALCULATOR
Make your biggest financial decision with confidence.
• PITI estimation (Principal, Interest, Taxes, Insurance)
• Full amortization schedule over 15 or 30 years
• See how extra payments save you thousands in interest
• Export schedule to CSV

🐷 RETIREMENT & SAVINGS PLANNER
Watch your money grow with compound interest projections.
• Retirement calculator with age, contributions, and expected return
• Inflation-adjusted "purchasing power" in today's dollars
• Year-by-year growth tables

💱 CURRENCY CONVERTER & BILL SPLITTER
• Live exchange rates for 150+ currencies
• Offline mode — cached rates for travel without WiFi
• Bill splitter with quick tip presets (15%, 18%, 20%, 25%)
• Per-person breakdown and share via text

💳 DEBT PAYOFF & NET WORTH
• Calculate your debt-free date based on monthly payments
• Track net worth: assets vs. liabilities

🔒 PRIVACY FIRST
• No account required — ever
• No bank linking or credentials
• All data stored locally on your device
• Backup & restore your data anytime
• Dark mode ready

Built for speed, accuracy, and privacy. No subscriptions, no hidden fees.

Developed by Avetis, Inc.