Bilanco: Budget & Debt

Full control of your financial life, right in your pocket! Bilanco is not just a debt tracker. Build your plan to get out of debt, see your income-expense balance, follow the value of your assets in real time. **WHY Bilanco?** - Automatic credit card interest and tax calculations - Gold, silver, foreign currency and crypto integration - Focused on taxation across 21 countries, 26 currencies supported - Instant access to local market data **Real Debt Projection** How tiered interest works on your credit card, when your loan ends, how much your gold debt grew at market price — all in clear numbers. **Smart Simulation Engine** Answer "if I pay 5,000₺ this month, when does it end?" in seconds. Compare different payment scenarios. **Comprehensive Debt Management** - **Credit Card:** Tiered interest, minimum payment, automatic tax calculation - **Loan:** Annuity instalment plan, remaining payment view - **Cash Debt:** Per-person tracking, with or without a due date - **Precious Metals:** Live rate impact on gold/silver debts - **Forex & Crypto:** USD, EUR, Bitcoin, Ethereum and more **Smart Payment Planning** - Build your monthly payment calendar automatically - See how much to pay on which day - Minimum payment and interest amounts calculated automatically - Payment day reminders via notifications - Let due payments be marked "paid" automatically **Works Around Your Payday** The app builds the month around your payday, not the calendar month. Enter your starting balance and see your remaining balance day by day. **Income & Expense Control** - Ready-made expense categories (rent, groceries, transport, leisure...) - Recurring payments: weekly, biweekly, monthly - Monthly budget tracking and variance analysis - Income-expense balance chart **Asset Portfolio** - **Gold:** Quarter, half, full and Republic gold - **Silver:** Tracked by the gram - **Forex:** 26 different currencies - **Crypto:** Bitcoin, Ethereum, USDT and popular coins - **Term deposit:** Interest accrues daily, reflected in the value instantly - Valuation at live market prices - Net worth: Assets − Debts = your financial strength **Available Balance or Reserve?** Your gold, foreign currency and term deposits count as "reserve" and stay out of your spendable balance — "what I own" never gets mixed up with "what I can spend this month". **Savings Goals** Set your target amount and date, prioritise them, watch your progress. **Live Market Data** - Gold: gram, quarter, half, full - Silver: by the gram - Forex: USD, EUR, GBP, JPY and 22 more - Crypto: Bitcoin, Ethereum, BNB, ADA, DOGE... - Follow price movements on charts - Automatic rate updates **Summary and History** - Monthly financial summary: your situation at a glance - Debt progress line: how close are you to your goal? - Net worth trend: are you getting wealthier? - Payment history and transaction history: what you did and when **Financial Calendar** - Income, expenses and debt due dates, day by day - Daily remaining balance projection - Colour-coded categories - Filterable view **SECURITY & PRIVACY** - Biometric lock with Face ID / Touch ID - Your data is stored encrypted on your device, the server connection is encrypted - Keep using the app offline — your actions are queued and synced automatically once you reconnect - Your data is tied to your account; just sign in when you change phones **USER EXPERIENCE** - Modern, clean interface: no tangled menus, everything one tap away - Dark & light theme: pick the mode that suits your eyes - 21 language support - Sign in with Google: quick setup, start right away - In-app guide and frequently asked questions **WHO SHOULD USE IT?** - Anyone who wants to reduce credit card and loan debt - Gold, foreign currency and crypto investors - Anyone who wants to balance income and expenses - Anyone preparing for a debt-free future *Note: Market data is for information only. Discuss investment decisions with professional advisers.*