Wise Money - Budget Tracker

Every account can now hold its own currency, and debts can be paid off a bit at a time. Your ledger stays on your phone, no account, no cloud, no ads.

Wise Money is a private, offline budget tracker. Everything you record lives in a database on your own device — there is no account to create, no server to sync with, and nothing to lose when you have no signal.

MONEY IN, MONEY OUT • Record income and expenses in seconds. • Split one payday across several accounts — part into Saving, part into Spending, as a single entry. • Move money between your own accounts with transfers that never change your total. • Attach a note to anything worth remembering.

ACCOUNTS THAT MAKE SENSE • Start with Spending and Saving, then add as many as you like: Travel, Emergency Fund, Cash, whatever fits how you actually think. • Give each account its own icon and colour. • Reorder them so the one you use most sits at the top.

NEVER FORGET WHO OWES WHO • Track what you lend and what you borrow, person by person. • Set a due date, or leave it open. • Settle a debt in a single tap — and unsettle it if you tapped too soon. • Your net worth already accounts for all of it: your balance, plus what you are owed, minus what you owe.

SEE WHERE THE MONEY REALLY GOES • Every employer, shop and payee becomes a source, totalled automatically and ranked from biggest to smallest. • Open a source to see its income, its expenses, and any debts tied to that person. • Filter your full history by any date range you like.

BUILT FOR REAL CURRENCIES • Choose your currency and the app follows its rules — the Iraqi Dinar is whole numbers, with no meaningless decimal places. • Change currency later and every amount you have already recorded is converted at a rate you supply. • Amounts are stored as exact whole units, so your totals never drift the way a spreadsheet's do.

YOUR DATA IS YOURS • No sign-up. No cloud sync. No ads. No tracking. • Your ledger never leaves your device. The only thing Wise Money ever asks the network is whether a newer version exists. • Export a complete backup to a single file, then import it on a new device. • Clear everything whenever you want, and it is genuinely gone.

Wise Money never asks who you bank with, and it never sends your numbers anywhere.