Budget SMARTLY Finance Tracker

Stop paying monthly to track your own money.

Take complete control of your finances — no subscriptions, no ads, no data leaving your device. One payment. Everything included. Yours forever.

NO SUBSCRIPTION. EVER.

Pay once, own the full app — every feature, every update, forever. $2.99 total vs. $539 for 3 years of YNAB.

MULTI-CURRENCY ACCOUNTS

Each account has its own currency — PHP, USD, EUR, GBP, JPY, SGD & 20+ more. Dashboard and reports auto-convert to your default currency. Works 100% offline.

HOUSEHOLD SYNC

Share a live family budget with your partner or household. 2-way sync via Google Drive. Invite by QR code — scan to join instantly. Per-account privacy controls.

EXCEL BUDGET MANAGER

Download your full budget as an Excel workbook. Edit offline in Excel, Google Sheets, or Numbers. Upload back — preview all changes before applying.

ALL YOUR ACCOUNTS

Cash, bank, e-wallet, credit card — see your real net worth instantly. Transfer between accounts in one tap.

SMART BUDGETS

Set budgets per category — weekly, monthly, or yearly. Live progress bars. Customizable budget cycle days.

SAVINGS GOALS

Your balance is NOT your savings. Create named goals and allocate explicitly — Emergency Fund, Vacation, New Phone.

IOU TRACKER

Track who owes you and what you owe. Interest calculation, partial payments, due dates, and settlement tracking.

RECURRING BILLS

Set up bills on any schedule. Get notified before they're due. Auto-generated transactions keep records complete.

REPORTS & INSIGHTS

Pie charts, trend graphs, 50/30/20 analysis, and automated smart insights.

PRIVATE BY DESIGN

All data stored locally. Cloud backups go only to YOUR Google Drive or iCloud. No ads. No tracking. Lock with fingerprint, Face ID, or PIN.

ALSO INCLUDED

• Home screen widgets (Net Cash, Budget, Bills, Quick Add) • Google Drive + iCloud backup • Excel, CSV, and PDF export • Dark mode & light mode • 23+ currencies • Biblical financial wisdom

Pay once. Own everything. Budget forever.