Planosave: Budget Tracker

Take control of your money with **Planosave**, the private, offline-first personal finance and budget tracker designed around your actual payday, not arbitrary calendar months. Track your spending, understand what you can safely spend each day, automatically detect eligible bank payment notifications, scan receipts, manage accounts and organise shopping lists. All in one beautifully designed financial companion. 🔒 **Private by Design. No Bank Login Required.** • No registration, accounts or mandatory cloud synchronisation. • Your financial records are stored locally on your device. • No advertisements or third-party tracking. • No need to connect your bank account, share banking credentials or use open-banking services. • Choose which installed banking and payment apps Planosave can monitor through Android notification access. ⚡ **Smart Bank Notification Detection** • Automatically detect eligible payment notifications from selected banking and payment apps. • Extract available transaction details, including merchant, amount and currency. • Get suggested expense categories using AI-assisted classification. • Review detected payments before adding them to your financial records. • Avoid manually entering every card payment. • No direct bank account access or banking API integration required. Detection depends on the information provided by supported app notifications. 📅 **Budgets Built Around Your Payday** • Create financial periods based on your actual salary schedule. • Support fixed payday dates, last working days and recurring pay cycles. • Adjust period boundaries when weekends or bank holidays affect payday. • Carry eligible remaining funds into subsequent periods. • Keep historical periods and financial records organised. 📊 **Live Financial Runway & Daily Safe-to-Spend** • See how much you've spent and how much budget remains. • Calculate your daily safe-to-spend allowance. • Follow interactive spending charts and target-pace indicators. • Understand whether you're spending faster or slower than planned. • Make more informed decisions before your next payday. 💳 **Complete Account & Transaction Management** • Manage bank accounts, cash and credit cards in one place. • Track balances, available credit and outstanding card debt. • Record expenses, income, refunds, savings and transfers. • Understand the difference between credit card purchases and repayments. • Organise transactions with customisable categories. 🧾 **Smart Receipt Scanning & AI Extraction** • Capture receipts using your camera or choose images from your gallery. • Extract merchant names, totals, dates and individual purchase details. • Use AI-assisted extraction and categorisation with supported providers. • Review and correct extracted information before saving. • Keep receipt details connected to your financial records. 📈 **Powerful Spending Analytics** • Visual spending breakdowns by category. • Identify categories where spending has increased or decreased. • Compare financial periods and understand spending habits. • Explore historical trends and make better budgeting decisions. 🛒 **Smart Shopping Lists** • Create reusable shopping lists and organise products. • Use dedicated in-store shopping mode with large, easy-to-tap checkboxes. • Track purchased and remaining items in real time. • Scan receipts and reconcile purchases against your shopping list, where supported. • Keep shopping activity connected to your spending records. 💱 **Flexible Multi-Currency Support** • Record transactions in different currencies. • Use custom exchange rates and supported offline conversion rates. • Change your display currency without altering original transaction values. 📱 **Designed for Android** • Premium dark and light themes. • Beautiful charts, smooth interactions and intuitive navigation. • Responsive layouts for different phone and tablet sizes.

- Google Gemini now powers receipt scanning, notification parsing, and categorisation in one engine. - Repaired the AI Settings card with live connection testing, clear status feedback, and secure key controls. - On-device merchant memory learns your choices for faster, offline category suggestions. - Improved credit card repayment transfer matching with optimised AI usage. - Security hardening and reliability improvements.