Baaki: Expense Tracker

Baaki is a private, offline expense tracker and budget planner. No account, no sign-up, no bank linking, no sync — your transactions, balances and budgets live on your iPhone, encrypted, and your financial data never leaves your device. There are no servers to send it to. "Baaki" means what's left. That's the question this app answers: after the bills, the budgets and the money you've set aside — what is actually left to spend? WHAT BAAKI DOES EXPENSE TRACKING Log spending in seconds — amount, category, done. Categories with icons and colours, tags, notes, multiple accounts and transfers between them. Real multi-currency support: Baaki never silently adds two currencies together. BUDGETS THAT WARN YOU EARLY Set a monthly budget per category. Baaki tells you at 80%, and again if you go over — while the month can still be saved, not after it ends. SAVINGS GOALS Set a target and put money aside. What you've set aside is held back from Safe to Spend, so the number you see is the number you can actually use. RECURRING BILLS Rent, subscriptions, utilities, card payments. Baaki posts them automatically and reminds you before they fall due. LENDING & BORROWING Most budget apps ignore the money between people. Baaki doesn't. See who owes you and what you owe, per person. Settle in part or in full, with reminders — so you don't have to be the one who brings it up. REPORTS Where the money went — by category, merchant and month. Trends, cashflow, period comparisons and a spend calendar. REMINDERS THAT RESPECT YOU Bills, budget thresholds, card payments, debts, goals reached — plus an optional evening nudge and a Monday round-up. Every one has its own switch, and the daily nudge stays silent on days you've already logged something. PRIVACY, PROPERLY - Your ledger is stored in an encrypted database on your device - App lock with PIN, Face ID or Touch ID - Decoy PIN — a second, separately encrypted profile behind a different PIN. Included free. - Privacy mode hides every amount with one tap - Widgets and notifications never show a figure while locked — counts only - No analytics. No crash reporting. No tracking of how you use the app. - No iCloud sync — by design. Your ledger exists in exactly one place: your phone, plus any backup file you choose to keep. Baaki has no network client of its own. We cannot see your data — not because we promise not to look, but because it is never sent anywhere for us to look at. Two things do reach the internet, and we would rather say so than pretend otherwise: ads on the free tier, and the App Store when you buy or restore Pro. Neither receives your financial data. The privacy policy spells out exactly what each one sees. ALSO INCLUDED - Works fully offline — track expenses with no internet, anywhere - CSV import and export — your data is yours; getting it out is never restricted or paid-for - Backup and restore — one local file you own - Home-screen widgets: Safe to Spend, budgets, bills & lending, spent today - Light, Dark and true black themes, accent colours, larger text, reduced motion FREE, AND PRO The free tier is a real app, not a trial. Unlimited transactions and unlimited accounts, forever. It includes 5 budgets, 3 savings goals, 5 people and 5 recurring bills, and it shows ads. Baaki Pro is a ONE-TIME purchase — not a subscription: - Unlimited people in the lending ledger - Unlimited savings goals - Shareable statements - The custom Reports builder — filter and save your own reports - No ads Buy it once. It stays yours.