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Track bills, manage budgets & hit your savings goals — no account needed.
Take control of your money — no account, no cloud, no sign-up required. BillKeeper lives entirely on your device, so your financial data stays 100% private. 📊 TRACK EVERY TRANSACTION • Log income and expenses in seconds with a tap-friendly numpad • Manage multiple wallets — cash, bank accounts, digital wallets • Auto-detect recurring transactions and set up bill reminders • Customize categories to match how you actually spend 💰 BUDGET SMARTER • Set monthly budgets per category and watch progress in real time • Spendable balance updates the instant you log a transaction • Payday forecast shows exactly when your balance will run out • Weekly and daily spending insights keep you on track 📅 NEVER MISS A BILL • Smart bill reminders with quiet hours and daily notification cap • Track paid / unpaid status in one dedicated Bills screen • Due-date alerts delivered reliably — even offline 🎯 SAVINGS GOALS • Create goals and automatically allocate monthly contributions • Visual progress bar toward every goal • Milestone celebrations to keep you motivated 🔥 STREAKS & MONTHLY RECAP • Build a daily logging streak — auto-freeze once per week so life doesn't break it • Monthly Recap highlights your best and worst spending moments in a beautiful full-screen story • Year in Review: your complete 12-month financial journey at the end of every year 📈 FINANCIAL HEALTH & FIRE PLANNING • Financial Health Score tracks your streak, budgets, bills, and goals in one number • FIRE Calculator shows exactly how many years until financial independence — powered by your real spending data • Debt tracker to manage money you lent or borrowed 🤖 ON-DEVICE AI INSIGHTS • Spending pattern analysis, anomaly detection, and personalized tips • All computation happens on your device — nothing is sent to any server 🎨 BEAUTIFUL & ACCESSIBLE • Light, dark, and system-adaptive themes • Clean minimal design — no clutter, no noise • Home-screen widgets for instant balance at a glance • 18 languages supported No subscription. No login. No cloud. Just you and your money.