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Budget planner and expense tracker with auto transaction detection.
Take complete control of your finances with Personal Budget — the smart, privacy-first personal finance and expense tracking app designed for real life. Whether you are tracking daily expenses, planning monthly budgets, or saving towards long-term financial goals, Personal Budget makes managing your money effortless and 100% secure. KEY FEATURES: 📊 Smart Expense & Income Tracking • Log daily expenses and incomes quickly with intuitive categorization. • Organize spending into clear categories: Groceries, Utilities, Transport, Entertainment, and more. • Add notes, edit transactions, and view detailed monthly spending breakdowns. ⚡ On-Device Bank SMS Expense Detection • Automatically captures incoming transaction SMS alerts from your bank the moment you pay. • Instantly prompts you with a 1-tap notification to confirm and log the purchase. • 100% local processing: Your SMS messages never leave your phone and are never sent to external servers. • Supports major banks and universal merchant alert formats. 🔄 Progressive Monthly Rollover • Keep your true cashflow accurate month over month. • Unspent budget surplus rolls forward into the next month's disposable income. • Deficits carry forward so you always know your real cumulative financial standing. 🎯 Cumulative Savings Goals • Set targets for emergency funds, vacations, gadgets, or large purchases. • Track your progress visually with percentage milestones and target dates. • Allocate monthly savings easily from your remaining balance. 📈 Visual Insights & Analytics • Clear, beautiful charts and graphs of your spending habits. • Identify where your money goes each month and find opportunities to save. • Monthly summaries to help you make smarter financial decisions. 🔒 100% Privacy & Local-First Security • No bank logins or online account credentials required. • Your financial records are stored securely in a local database on your device. • Zero cloud tracking, zero data mining, and zero personal data selling. • Optional encrypted local backup and restore. Download Personal Budget today and start taking charge of your financial future!