Pikash: Budget Tracker

Track every expense, budget, debt, and goal — fully offline, zero subscription fees. Pikash is the personal finance app that keeps your financial data on your device.

WHY PIKASH

- Offline expense tracker by design. Your data lives on your device; cloud sync is optional and runs only when you ask.
- Multi-currency money manager from day one. Track wallets in any currency with live exchange rates when you need them.
- No subscriptions for the core tracker. Free forever. Pikash Pro unlocks the AI assistant for deeper financial insights.
- Built by an indie developer who reads every piece of feedback.

WHAT YOU CAN TRACK

- Wallets — cash, bank accounts, digital wallets, savings, investments
- Credit cards — billing cycles, statement balances, due dates, rewards
- Debts — loans and IOUs with APR support and full payment history
- Goals — emergency funds, travel, big purchases with auto-contribute rules
- Budgets — daily, weekly, monthly, or yearly spending limits with alerts at 80% and 100%
- Recurring bills & subscriptions — Netflix, Spotify, rent, anything billed regularly
- Spending tags — slice expenses by Needs, Wants, Work, Family, or your own labels

POWERFUL ANALYTICS

- Net worth trend chart on the home screen (30-day view)
- Monthly income vs expense comparison across 6 months
- Day-of-week spending patterns and category expense breakdown
- End-of-period forecasting — see where your finances will land before the month ends

SMART AI FINANCE ASSISTANT (PRO)

Talk to Pikash like a friend who happens to be a CPA:
- "I spent $12 on lunch"
- "Move $500 from savings to checking"
- "How much did I spend on transport this month?"
- "Add $1,500 monthly rent as a planned payment"

The AI understands context — restaurants, groceries, transfers — and logs them correctly the first time.

PRIVACY AND SECURITY

- Biometric lock (Face ID, fingerprint, or PIN)
- Local SQLite database — transactions never leave your device unless you opt in to cloud sync
- Encrypted backup and restore for moving between devices
- Export your data anytime as a portable backup file
- Delete your account and wipe all local data in one tap

PERFECT FOR

- Freelancers and online sellers tracking multiple income streams
- Families managing shared bills and household expenses
- Students budgeting on a tight allowance
- Expats and travelers juggling multiple currencies
- Anyone tired of spreadsheets and bloated finance apps with monthly fees

GET STARTED IN 30 SECONDS

1. Add your first wallet (cash, bank, digital wallet — whatever you use most).
2. Log a transaction or import a backup from another app.
3. Set a budget for the category you overspend on most.
4. Let Pikash do the math while you live your life.

No ads. No data brokers. No paywalls on your own financial data.
Questions, bug reports, or feature requests? Tap Settings and send feedback directly from inside the app. A human reads every message.