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📊 See what each month really cost: Balance now shows total spending, budget and off-budget together. Tap either part to see the transactions behind it. 💳 Record credit card bill payments. Tell Finly once what a card owes, and spending adds to it while payments bring it down. 📥 Record card bill alerts from your inbox as payments, without counting them twice. 🔄 Logged a bill payment as an expense before? Move it to the card from the expense screen.
Private expense tracking that never leaves your phone. No account, no cloud.
Finly is a personal finance tracker built on one rule: your money data stays on your device. There is no sign-up, no server, and no network connection — because the app doesn't have any. Track what you spend. Log an expense in seconds, split it across accounts and categories you define, and see where the month actually went. Recurring rules. Set up rent, subscriptions and salary once. Finly keeps them running so your ledger stays honest without daily data entry. Budgets that hold. Set a monthly budget and watch it against real spending, not an estimate. Insights. Category breakdowns and trends that show the shape of your spending instead of a wall of rows. Multiple accounts. Cash, bank, cards — keep them separate and see the combined picture. Your currency. Amounts are stored and displayed precisely, with no rounding drift. Locked down. Switch on database encryption and a biometric app lock, and your ledger is closed to anyone holding your phone. Import and export. Bring history in from CSV, and take a full CSV export out whenever you want. Your data is portable because it's yours. No ads. No trackers. No analytics. No account. Uninstall the app and the data is gone — because there was never a copy anywhere else.