★★★★★
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New name, same trusted money manager. Kosha is now Money Manager:Expense & Budget. Your accounts, transactions, budgets, backups, Premium purchase, and all settings remain unchanged.
Money Manager:Expense & Budget is a private, offline-first expense tracker and budget planner for daily spending, bills, accounts, cards, and savings. Record every expense, income, transfer, and payment in seconds. Build smarter budgets, stay ahead of bills, and understand exactly where your money goes. No account required. Your financial data is stored in an encrypted database on your device. TRACK EXPENSES IN SECONDS • Add expenses, income, transfers, notes, and categories quickly • Use a money keypad with a built-in calculator • Scan receipt totals and dates on your device • Speak an entry or paste a payment alert to create a transaction • Attach encrypted receipts to your entries • Search transactions by merchant, amount, category, note, or date UNDERSTAND YOUR SPENDING • View expenses by category, merchant, account, and time • Track daily, weekly, monthly, and yearly spending • See income, expenses, cash flow, and net worth • Add tags, bookmarks, and notes for better context • Find every transaction with powerful search and filters PLAN BUDGETS, BILLS, AND SAVINGS • Create monthly and category budgets • See how quickly your budget is being used • Carry unused budget amounts into the next month • Track rent, salary, EMIs, subscriptions, and recurring payments • Get reminders before bills are due • Create savings goals and follow your progress MANAGE ALL YOUR ACCOUNTS • Track cash, bank accounts, wallets, credit cards, loans, and investments • Follow credit-card billing cycles, unpaid balances, and new charges • Record transfers without counting them as income or expense • Use multiple currencies with reference exchange rates • Keep separate books for personal, household, or business finances PRIVATE BY DESIGN • Works offline with no account required • Lock the app with PIN, Face ID, or fingerprint • Keep app-switcher previews private • Create encrypted backups on your device or iCloud Drive • Export your data to CSV or Excel • Restore backups when moving to another device MAKE IT YOURS • Use home-screen and lock-screen widgets • Add transactions from Quick Actions and Siri Shortcuts • Choose from light and dark themes, colours, and app icons • Use the app in multiple languages • Rename, reorder, and customize categories and accounts FREE AND PREMIUM Money Manager is free to use. A one-time Premium purchase removes ads, unlocks unlimited accounts, and lets you manage entries from your computer over your own Wi-Fi. No subscription is required. WHY PEOPLE CHOOSE MONEY MANAGER Made for real-life money management: personal spending, family budgets, side-business books, credit cards, loans, subscriptions, and savings goals. Keep everything in one simple, private finance app. Import existing records, undo an incorrect import, and export your data whenever you need it. Use recurring entries for regular bills and income, split purchases across payments, and keep notes for important dates or monthly decisions. Your data is yours. Money Manager does not require a financial account, does not connect to your bank, and does not use a cloud ledger. You decide when to back up, restore, export, or move your data. Whether you want a daily expense tracker, a bill planner, a budget manager, or a simple personal finance app, Money Manager gives you clear answers without unnecessary complexity. START TODAY Start with one expense, one account, or one simple budget. Money Manager grows with you, from tracking daily spending to planning bills, managing cards, and building better money habits. See what you spend, what you owe, what is due next, and what you can save—all without handing your financial life to a bank-connected service or a subscription. Download Money Manager and make every rupee, dollar, and payment easier to understand. Privacy Policy: https://tap-expense.com/Kosha/legal/privacy Support: https://tap-expense.com/Kosha/legal/support