FinPag

App Category: Finance (Personal Finance and Payment Calculation Utility). FinPag is an offline personal finance ledger, transaction fee simulator, and budget planning studio engineered to provide visibility over cashflow, settlement fees, and budgeting targets with zero runtime permissions. Inspired by digital payment institutions, FinPag helps individuals and businesses calculate channel deductions, simulate loan amortization, monitor recurring subscription burn rates, and allocate monthly income using established financial frameworks. FUNCTIONAL FEATURES AND MODULES: 1. Cashflow Dashboard - Simulated net liquidity overview with total inflow and outflow metrics - Visual cashflow distribution breakdown by payment channel - Shortcuts to launch calculators and record transactions - 100% offline local on-device data persistence 2. Multi-Channel Payment Ledger - Record payments across Pix, Cards, Boletos, and Transfers - Filter transactions by type (Income/Expense) and channel (Pix, Card, Boleto) - Search across record titles, categories, and reference notes - Transaction detail sheet with individual record deletion 3. Payment Fee Comparator - Compare deductions across Pix (0%), Debit (1.2%), Boletos, and Credit (3.2%) - Calculation of gross amount versus net liquidated payout - Automated identification of lowest-fee payment rail 4. Loan and Installment Simulator - French amortization (Price table) calculation for financing schedules - Configurable interest rates and loan tenures from 3 to 48 months - Breakdown of monthly installment, total interest, and total payable 5. Pix Protocol Simulation Lab - Format validation for Pix keys (CPF/CNPJ, Email, Phone, EVP Key) - Day/night security limit simulator with operational status checks - Static EMVCo BR Code payload generator for testing payment strings 6. 50/30/20 Budget Allocator - Income division into Essentials (50%), Lifestyle (30%), and Goals (20%) - Real-time surplus and deficit calculation based on monthly expenses 7. Emergency Reserve Planner - Target buffer calculation for 3, 6, 9, or 12 months of living expenses - Timeline projection estimating months required to fund reserve 8. Multi-Currency FX & IOF Tax Calculator - Currency conversion covering USD, BRL, EUR, GBP, CAD, and JPY - Adjustable spread margins and official IOF tax tier rates - Calculation of Effective Total Cost (CET) for FX operations 9. Financial Reliability Diagnostics - 10-point evaluation assessing payment timeliness, credit utilization, and liquidity - Numerical score indicator (300 to 850) with targeted tips 10. Shared Expense and Tip Splitter - Group bill calculation with customizable gratuity percentages (0% to 25%) - Automatic per-person share allocation with breakdown summary 11. Service Tax & Withholding Estimator - Calculation of municipal service tax (ISS), PIS, COFINS, and withholdings - Display of gross invoiced value versus net liquidated corporate revenue 12. Recurring Subscription Vault - Log software, server hosting, and recurring monthly subscriptions - Live calculation of monthly recurring burn rate and annualized outflow - Billing renewal day tracking (Day 1 to 28) for each active subscription 13. Payment Institution Knowledge Hub - Overview of central bank regulatory frameworks (Law 12.865/2013) - Comparison between payment institutions and traditional fractional banks 14. Privacy & Zero Permissions - Zero Android runtime permissions requested or required - No internet access, no analytics trackers, no account registration - One-tap JSON export of ledger records to device clipboard - Instant factory reset option to restore initial demo state POLICY AND REGULATORY NOTICE: FinPag is an educational simulation, financial estimation, and personal record-keeping utility. It is not a bank, not a credit institution, and does not process live monetary payments or hold customer deposits. All calculations are provided for simulation and personal budgeting reference only.