Homvo: Budget & Money Tracker

Take full control of your finances with Homvo — the private, offline-first budget app that keeps your money data on YOUR device. No servers, no tracking, no ads. Ever.

Why Homvo?

Unlike other budget apps that upload your financial data to the cloud, Homvo works 100% offline. Your transactions, budgets, and savings goals stay on your phone — private by design.

ACCOUNTS & TRANSACTIONS
- Manage multiple bank accounts, wallets, and cash
- Add transactions in under 5 seconds with smart defaults
- Recurring payments calendar — never miss a bill
- Subscription tracking to find and cut wasteful spending
- Multi-currency support (PLN, EUR, USD) with automatic exchange rates
- Tag transactions for flexible grouping and search

BUDGETS THAT WORK
- Create category-based or envelope budgets
- Visual progress bars show exactly where you stand
- Get alerts before you overspend
- Monthly, weekly, or custom budget periods

SAVINGS GOALS
- Set goals for vacations, emergency funds, or big purchases
- Track your progress with beautiful visual gauges
- Stay motivated with milestone tracking

POWERFUL REPORTS
- 5 chart types: donut, bar, line, grouped bar, savings rate
- Spending trends over time
- Category breakdowns that reveal your habits
- Income vs. expense analysis

SMART CATEGORY MANAGEMENT
- Pre-built categories to get started instantly
- Custom categories and subcategories
- Auto-categorization rules — Homvo learns your patterns

DEBT TRACKER
- Track money you owe and money owed to you
- Payment schedules and reminders

PRIVACY & SECURITY
- All data stored locally — zero cloud dependency
- PIN code and biometric (fingerprint/face) lock
- Privacy mode — hide balances when others are looking
- Optional encrypted backup to Google Drive

BEAUTIFUL DESIGN
- Handcrafted UI with warm amber and cool indigo tones
- Dark mode + AMOLED black for battery saving
- Clean, distraction-free interface
- Material 3 design language

FREEMIUM — NO ADS
- Core features are completely free
- No banner ads, no interstitials, no video ads — ever
- Pro unlocks: unlimited budgets & goals, advanced reports, cloud backup, custom themes

Download Homvo today and start your journey to financial clarity — privately, offline, on your terms.