Drachma: Offline Budget App

Money is easier to face when the app on the other side is kind about it. Drachma is a private budget app for people who would rather log their own spending than hand a bank login to a stranger. No account, no bank connection, no cloud, no ads. Everything you enter stays encrypted on your iPhone or iPad. Log an expense in about three seconds Tap the +, type the amount, done. The keypad does the math (12.40 + 3.60 just works), names finish themselves as you type, and the things you buy most sit one tap away. Logging something late? Change its date and time. Scan a receipt, import a statement Point the camera at a receipt and Drachma reads the shop, the total, the date and the line items, then lets you check it all before saving. Catching up on a month? Import a bank or card statement as a PDF, CSV or spreadsheet. Anything you already logged is spotted, not doubled, and when something is unclear, Drachma asks instead of guessing. Subscriptions and installments, found for you Drachma spots the subscriptions and installment plans already in your entries: what they cost a month and a year, which one got more expensive, how much is left on each plan, and any charge after you cancelled. When a subscription goes quiet, it asks: "Still paying?" Budgets that flex Give each category a monthly envelope, or budget anything: one shop, one brand, the desserts. Keep a buffer for the rest. When an envelope runs over, Drachma offers to cover it from the buffer instead of telling you off, and unspent money can roll into next month. Not sure where to start? Build a plan from your own spending. Savings goals you can watch fill up Set a target and a date. Drachma shows what you need each month and an honest projection of when you will get there. Add money any time, set a monthly earmark, sweep leftover buffer in at month end, or let round-ups fill it quietly. See where it actually goes Insights goes all the way down to the item: what eats the month, what you buy most, what you have quietly started spending more on, and how this month compares with your usual. Tidy names merges different spellings of the same shop or item, and your own tags group what you buy. A monthly wrap sums it all up in plain words. Habits, gently A logging streak, levels and achievements that celebrate the wins and never punish a missed day. A paused streak heals. Free, with Plus if you want more Logging is free and unlimited, always. Free also gives you a starter allowance of scans and imports, 5 budget envelopes, 2 goals at a time and 3 tracked subscriptions. Drachma Plus, an optional subscription, lifts those limits and adds the deeper reads: trends, a monthly health check, a look inside your biggest baskets, what is committed in the months ahead and what your commitments add up to over a year. Private by design • No account, no email, no bank connection, ever • Works with no signal • Encrypted on your device; back up to a file with your own passphrase, or export to CSV • Anonymous crash reports and usage stats help us fix bugs. They never include your amounts, shops or categories, and you can switch them off in Settings • Light, dark and true-black themes, any currency, 8 languages Made for cash spenders, freelancers with uneven months, and anyone who has felt judged by a budget app before. Nothing logged yet? It takes about three seconds. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://trydrachma.com/privacy