Money Tracker: Budget Planner

Money Tracker is a private expense tracker, budget planner and money manager with AI-powered insights, bill tracking, savings goals and debt payoff tools — no bank connection required.

Track spending, plan your budget, understand cash flow and make smarter money decisions from one simple personal finance app.

TRACK EXPENSES & INCOME

Add expenses, income and transfers in seconds. Organize transactions by category, account and date, then see exactly where your money goes.

AI QUICK ADD

Type naturally, such as “45 groceries yesterday” or “1200 salary today.” Money Tracker turns your text into a transaction preview so you can review it before saving.

BUDGET PLANNER

Create monthly budgets, monitor spending limits and see how much you have left. Stay on track with clear budget progress and spending insights.

SAFE TO SPEND

See an easy daily safe-to-spend estimate based on the information you enter, including available money, upcoming bills, debt payments, savings targets and your safety buffer.

BILLS & RECURRING PAYMENTS

Use the built-in bill tracker for rent, subscriptions, utilities, loan payments and other recurring expenses. Keep upcoming payments organized in one place.

SAVINGS GOALS

Set savings goals, choose a target amount and date, and see how much you may need to save each month to stay on track.

DEBT PAYOFF PLANNER

Add debts manually and compare proven payoff strategies:

• Debt Snowball — focus on smaller balances first
• Debt Avalanche — focus on higher interest rates first
• Extra payment scenarios
• Estimated payoff dates
• Interest and time-saving comparisons

LOAN & PAYMENT CALCULATORS

Use built-in financial calculators to estimate monthly loan payments, interest, payoff timelines and prepayment scenarios.

ASK MY MONEY

Ask questions about the financial information you entered, such as:

• “Where did I overspend this month?”
• “How much can I spend until payday?”
• “Which debt should I pay first?”
• “Can I afford this purchase?”
• “How can I save more this month?”

AI explanations are built on app-calculated financial summaries. Important calculations such as budgets, loan payments, debt payoff and safe-to-spend are handled by deterministic finance tools rather than relying on AI-generated math.

PRIVACY-FIRST MONEY MANAGEMENT

Your core financial records are stored locally on your device. Money Tracker does not require bank account, credit card, SMS, email or UPI connections. When you choose an AI feature, only the information needed for that request is sent for processing.

GLOBAL & FLEXIBLE

Choose your preferred currency and track money without linking a financial institution. Money Tracker works for people who prefer manual control over their personal finance data.

KEY FEATURES

• Expense tracker and income tracker
• Budget planner and spending tracker
• Money manager and cash flow overview
• Bill tracker and recurring payments
• Savings goals
• Debt payoff planner
• Debt snowball and debt avalanche
• Loan payment and prepayment calculators
• Safe-to-spend planning
• AI Quick Add
• Ask My Money AI insights
• Manual accounts and transfers
• Dark mode
• Privacy-first local storage

Money Tracker is designed for budgeting, expense tracking, debt planning and informational financial calculations. It does not provide loans, credit approval, investment advice, banking services or bank account linking.

Take control of your spending, build a realistic budget and create a clearer plan for your money.