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 • Today and Yesterday shortcuts, or any date • 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 • Home shows this month's spending, income and savings, plus today's and this week's spending 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 • Tap a category to see all its entries 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 • Track money you gave to friends and family, or took from them, 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 • Payments are split into interest and principal for you • Only interest counts as income or spending; your balances stay right • A reminder on the day a payment is due, and a statement to share with the person REPEATING ENTRIES • Add salary, rent, EMIs, SIPs and subscriptions once • They're recorded on their dates by themselves: daily, weekly, monthly or yearly BRING YOUR EXCEL SHEET • Import your old expense tracker, including monthly "Money Out / Money In" sheets • Also reads any table with Date and Amount columns, and bank statements with Debit and Credit columns • Copied rows are skipped, and importing the same file twice is safe • 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 • Hide the app's content in recent apps 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 • Light and dark themes, launcher shortcuts for Add expense, Add income and Transfer Made in India by Saral Techies (saraltechies.com). Questions or ideas? Write to us. We read every message.

New: Lent & borrowed. • Track money given to or taken from people, on credit or on interest • Interest per month or per year, any-time repayment or monthly EMI • See who owes what, interest due, the next payment and what is overdue • Reminder on the due date and a statement to share Also: your most used categories now come first when adding an entry.