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• Subscriptions and installments found for you, with “Still paying?” checks • Plus: renewal reminders, Committed ahead and What a year costs • Budgets: 6 months of history from real spending; Insights compares with your usual • Imports: more banks and e-invoices, duplicate suggestions, rows worth a look • Edit date and time, name suggestions, Tidy names, item tags • Goals explain their money; old receipts get a date check • Smoother big imports and many fixes
Offline budget app and money manager. Scan receipts, no bank login, no ads.
Money is easier to face when the app on the other side is kind about it. Drachma is a private, offline budget app, expense tracker and money manager for people who would rather log their own spending than hand a bank login to a stranger. Simple personal finance with no account, no bank connection, no cloud and no ads. Everything you enter stays encrypted on your phone or tablet. Track expenses and income in about three seconds Tap the +, type the amount, done. Income works the same way. The keypad does the math (12.40 + 3.60 just works), names finish themselves as you type, and the things you buy most sit one tap away. Logging an expense late? Change its date and time. Receipt scanner and bank statement import Scan a receipt by pointing the camera at it: Drachma reads the shop, the total, the date and the line items, then lets you check the expense before saving. Catching up on a month? Import a bank or credit card statement as a PDF, CSV or spreadsheet. Anything you already logged is spotted, not doubled, and when something is unclear, Drachma asks instead of guessing. Subscription tracker and installment tracker Drachma spots the recurring payments already in your entries, subscriptions and installment plans alike: what they cost a month and a year, which one got more expensive, how much is left on each plan, and any charge after you cancelled. When a subscription goes quiet, it asks: ""Still paying?"" Envelope budgets that flex Give each category a monthly budget envelope, or budget anything: one shop, one brand, the desserts. Keep a buffer for the rest. When an envelope runs over, Drachma offers to cover it from the buffer instead of telling you off, and unspent money can roll into next month. Not sure where to start? The budget planner builds a plan from your own spending. Savings goals you can watch fill up Set a savings goal with a target and a date. Drachma shows what you need to save each month and an honest projection of when you will get there. Add money any time, set a monthly earmark, sweep leftover buffer in at month end, or let round-ups fill it quietly. A spending tracker that shows where your money goes Insights breaks your spending down by category and goes all the way to the item: what eats your budget, what you buy most, what you have quietly started spending more on, and how this month compares with your usual. Tidy names merges different spellings of the same shop or item, and your own tags group what you buy. A monthly wrap sums up your finances in plain words. Habits, gently A logging streak, levels and achievements that celebrate the wins and never punish a missed day. A paused streak heals. Free, with Plus if you want more Logging expenses and income is free and unlimited, always. Free also gives you a starter allowance of scans and imports, 5 budget envelopes, 2 goals at a time and 3 tracked subscriptions. Drachma Plus, an optional subscription, lifts those limits, adds a reminder before each tracked subscription renews, and unlocks the deeper reads: trends, a monthly health check, a look inside your biggest baskets, what is committed in the months ahead and what your commitments add up to over a year. Offline and private by design • No account, no email, no bank connection or login, ever • Works offline, with no signal • Encrypted on your device; back up to a file with your own passphrase, or export to CSV • Anonymous crash reports and usage stats help us fix bugs. They never include your amounts, shops or categories, and you can switch them off in Settings • Light, dark and true-black themes, any currency, 8 languages Made for cash spenders, freelancers with uneven months, and anyone who has felt judged by a budget app before. No expenses logged yet? It takes about three seconds.