Hearth: Budget Expense Tracker

Hearth is an expense tracker and family budget planner that keeps your money private. It reads your bank SMS on your phone, turns every debit and credit into an entry you confirm, and tells you how much is safe to spend today. No sign-up, no account, no cloud. SAFE TO SPEND TODAY Hearth splits your monthly income into fixed bills, flexible spending and savings, then spreads what is left over the days that remain. One number tells you how much you can spend today without breaking your monthly budget. AUTOMATIC EXPENSE TRACKING FROM BANK SMS Allow Hearth to read bank messages and every UPI payment, debit card, credit card and bank alert becomes a draft entry with the amount, merchant, account and date filled in. Nothing counts until you confirm it in Review. Self transfers between your own accounts are matched so they never count as spending, and OTPs and offers are ignored. Messages are read on your phone and never uploaded. FAMILY BUDGET PLANNER Add the people in your home. Mark each expense as personal or shared, and switch between the family total and each person's share. Share a family file to stay in sync, with no account and no server. MONTHLY BUDGET AND CATEGORY LIMITS Set a monthly spending cap, then budgets for needs, wants, savings and every category: rent, groceries, fuel, bills, shopping and more. A pace bar shows whether the month is on track, and Hearth alerts you before a limit runs out. SAVINGS GOALS Save for an emergency fund, a trip, a gadget or a wedding. Hearth works out how much to set aside each cycle to reach your goal on time. VOICE AND HINGLISH ASSISTANT Type or speak in English or Hinglish: "aaj doodh 60 aur sabzi 120", "how much did we spend this month?", "how much of my limit is left?". The assistant adds expenses and answers money questions right on your phone. ADD EXPENSES ANY WAY Add an expense by hand or by voice, or import a bank statement spreadsheet, a UPI payment screenshot or a receipt photo. Imports wait in Review until you confirm them. REPORTS IN PDF AND EXCEL See spending by day, month and year. Export any period as a visual PDF report with charts or a detailed Excel sheet, ready for Google Sheets or your CA. ALSO INCLUDED - Bank accounts and credit cards, with transfers between them - Recurring bills: weekly, monthly or yearly - Money you lent, and who still owes you - Weekly and monthly summaries, and reminders when entries wait in Review - Made for India, in rupees PRIVATE BY DESIGN No sign-up, no login and no bank password. Your expenses, messages and files stay on your phone unless you choose to share a report or a family file. A few clearly labelled ads keep Hearth free, and they never see your money data. Privacy policy: https://saggugupta-hearth.expo.app/privacy.html

Welcome to Hearth, your private expense tracker and family budget planner. • See how much is safe to spend today • Turn bank SMS into entries you confirm in Review • Add expenses by voice in English or Hinglish • Set budgets, category limits and savings goals • Track family spending, personal or shared • Export PDF and Excel reports No sign-up. Your money data stays on your phone.