Haven: Budget & Expenses

Haven is a personal budgeting app built on one simple idea: your financial
data belongs on your device, not on someone else's server.

No bank account linking. No credit checks. No ads. No data selling. Just a
clear, private picture of your money — entered by you, stored on your phone,
backed up only if and where you choose.

PRIVATE BY DESIGN
Haven never asks for your bank login and never connects to your accounts
automatically. Everything is entered manually and stored locally using
secure on-device storage. If you want a backup, Haven can optionally save
an encrypted copy to your own private Google Drive — never to us.

BUILT FOR REAL LIFE, NOT JUST ONE CURRENCY
Track accounts across multiple currencies with live or manual exchange
rates. Set your budget cycle to match your actual pay schedule, not just
the calendar month. Handle irregular bills — like a quarterly tuition
payment — without them wrecking a monthly budget.

EVERYTHING YOU NEED TO SEE THE FULL PICTURE
• Multi-currency accounts, including cash, bank, credit card, and
investment tracking
• Custom budget cycles tied to your actual salary date
• Category budgets with smart, fair handling of non-monthly bills
• Financial goals — savings targets and debt payoff, tracked automatically
through a linked account
• Recurring bills and income, with automatic catch-up if you miss a few
days in the app
• A loan payoff simulator — see how extra payments change your payoff
date and total interest
• Net worth tracking over time, across every account you own
• Income and expense forecasting, blending known bills with your actual
spending patterns
• A monthly recap report — swipeable, shareable, and genuinely useful,
not just another chart
• Budget alert notifications, right on your phone
• An optional home screen widget for an at-a-glance balance check
• CSV export for your own records or your accountant

WHO IT'S FOR
Haven is for anyone who wants real financial clarity without handing their
banking credentials to a third party — whether you're managing a single
account or juggling multiple currencies across countries.

Your money. Your device. Your Haven.