SavingsJar

Track every rupee without handing your spending history to a server. Expenses Manager is a fully offline expense tracker, spending tracker and money manager. No account, no sign-up, no ads, no cloud. Your data never leaves your device.

The release build does not even request the Internet permission - so it physically cannot upload your transactions.

Why a Privacy-first Expense Manager

Most expense tracker apps ask you to create an account and then sync your income, expenses and habits to their servers. This one doesn't. Every transaction, category, tag, loan and backup lives in a local database on your phone. You own it, you export it, you delete it.

Key Features

• Fast Daily Expense and Income TrackingLog an expense in seconds with a big-number keypad, date and time, notes and tags. Build your own categories with custom colors and icons.
• On-device Spending AnalysisDonut chart, category-wise breakdown and tag-wise totals over a month, calendar year, financial year (Apr-Mar) or any custom date range. Swipe between months. Every figure is calculated on your phone.
• Loan, Lending and Borrowing TrackerA clear record of money you lent and money you borrowed - your khata / udhar book, digitized. Save the person's name and phone number, principal, date and due date, then log partial repayments as they come in. The outstanding balance updates automatically, and loans sit in a separate ledger so they never distort your cash balance.
• Encrypted Backup and RestoreCreate a passphrase-protected backup file (AES-256-GCM with Argon2id key derivation) and save it wherever you want - phone storage, SD card or your own drive. Restore it on a new device with your passphrase. The backup is offline too: you choose where it goes.
• CSV Import and CSV ExportMigrate from another expense manager or a spreadsheet, and export your full transaction history to CSV whenever you like. Your data is never locked in.
• App Lock with Fingerprint and Face UnlockSecure the app with a PIN plus your device biometrics, so your finances stay private even when someone else is holding your phone.
• Powerful Search and FiltersSearch your notes and amounts, then filter by type, category, tag or date range to find any entry instantly.
• Clean, Calm DesignLight and dark themes, configurable currency symbol, configurable financial-year start month, and a fast, lightweight interface that stays smooth on low-end phones.

What This Expense Tracker Will Never Do

• No sign-up or login
• No ads, analytics or trackers
• No cloud upload of your transactions
• No permissions it does not need
• No subscription to read your own data

Made for

Daily expense tracking and household budgeting, personal finance and cash-book keeping, khata and udhar records, freelancers and small shop owners tracking who owes what, students on a tight budget, and anyone who simply wants a private offline money manager without an account.

Install Expenses Manager and start tracking your expenses, budget and loans privately -- today.