Saral Money Tracker

Saral Money Tracker is a simple, private way to track your income and expenses. See what you spend today, this week and this month, keep to a budget, and never miss a salary credit, rent or EMI. Your money data stays on your phone: the app has no internet access, no account and no ads. ADD AN ENTRY IN SECONDS • A keypad that adds up sums for you: type 250+120+45 and save ₹415 • Your most used categories come first, with More and a search for the rest; your last used account is chosen for you • Notes, and search across every note and category DAILY, WEEKLY, MONTHLY AND YEARLY VIEWS • Switch between day, week, month, year or any date range • Months can follow your salary cycle, for example 25th to 24th BUDGETS THAT KEEP YOU ON TRACK • A monthly limit for each category • Warnings at 80% and when you go over • A safe amount you can still spend each day for the rest of the month CHARTS AND INSIGHTS • Donut chart by category and a trend chart over the period • Average per day, comparison with the previous period and your savings rate ACCOUNTS AND CREDIT CARDS, DONE RIGHT • Cash, bank accounts, credit cards and UPI wallets with live balances • Net worth: what you have minus what you owe • Paying a credit card bill or withdrawing cash is a transfer, so it's never counted as spending twice LENT AND BORROWED MONEY • Money you gave to or took from friends and family, on credit or on interest • Interest per month (like 2% a month) or per year, on what is still owed • Paid back any time, or as a monthly EMI with the full plan worked out • See who owes what, interest due, the next payment and anything overdue • Phone, address, PAN/GSTIN, bank and UPI details for each person or bank • Send a PDF loan statement with the running balance, EMI plan and a UPI scan-to-pay code GOLD AND SILVER LOANS (GIRVI) • Gold, silver or other items kept against a loan, with weight, purity and value • The same person can pledge again at another rate: each loan keeps its own rate and items • One account per person: all loans, interest due, gold held and a PDF statement PERSONAL AND BUSINESS, KEPT APART • Run a shop or a business? Keep its money in its own book, apart from yours • Each book has its own accounts, categories, budgets and loans; switch in one tap • Money you put in or take out is capital or drawings, never income or spending • Profit and loss report as a PDF, by month or financial year CREDIT LEDGER FOR CUSTOMERS AND SUPPLIERS • Record what you gave and got on credit in two taps, with a running balance for each person • Send a payment reminder on WhatsApp or SMS, with your UPI ID • PDF account statement with a UPI scan-to-pay code • Credit period for each customer: see what is overdue and since when CASH FLOW AHEAD • Your expected balance at month end, or in 30 or 90 days • From repeating bills, EMIs and customer dues; warns if money will run short REPEATING ENTRIES • Salary, rent, EMIs, SIPs and subscriptions are added on their dates by themselves BRING YOUR EXCEL SHEET • Import your old expense tracker, including monthly "Money Out / Money In" sheets • Also reads bank statements with Debit and Credit columns • Export everything to Excel (a full backup you can import again) or CSV PRIVATE AND SECURE • No internet permission: your data can't leave your phone • No ads, no sign-up, no tracking • App lock with your fingerprint, face or phone PIN • Automatic daily or weekly backup to a folder you choose, like Google Drive ALSO • 29 currencies, with Indian number format for rupees (₹1,25,000) • Your own categories with 49 icons and 20 colours • Optional daily reminder, only on days you haven't added anything • Morning alerts for bills coming up and payments due, and a monthly summary • Home-screen widget and a quick-settings tile to add an expense in a tap • Light and dark themes, launcher shortcuts for Add expense, Add income and Transfer Made in India by Saral Techies (saraltechies.com).

New: gold and silver loans (girvi). • Note the gold, silver or other items kept against a loan: weight, purity and value • The same person can pledge again at another rate; each loan keeps its own rate • One account per person with all their loans, interest due and gold held • PDF account statement of all loans and pledged items • Mark items as given back when a loan is paid off