Ember Finance

Ember is a personal finance app built for people serious about paying off debt and staying on top of their bills. EMBER AI ASSISTANT Ask Ember anything about your finances. Get instant answers about your debt payoff timeline, spending breakdown, budget status, and affordability checks. Powered by on-device AI on supported devices — works offline, 100% private. DEBT SNOWBALL ENGINE Prioritize your debts and watch them fall one by one. Ember's snowball engine calculates your attack budget automatically — just mark payments as paid and watch your progress grow. Cleared debts get a satisfying checkmark in the Debt Kill Grid. PAYMENT CALENDAR See every bill, debt payment, and income source laid out by month. Swipe right to pay, swipe left to skip. Your running balance updates in real time so you always know where you stand. RECEIPT SCANNING Snap a photo of any receipt or payment screenshot. On-device OCR reads the amount and date, then auto-matches it to your payments. No cloud processing — everything stays on your phone. FULLY OFFLINE & PRIVATE Ember makes zero network connections. No accounts, no sign-ups, no analytics, no ads. Your financial data is stored on-device in a local database and never leaves your phone. ALSO INCLUDES • Ember AI assistant for financial questions • Dashboard with cash position and month-at-a-glance progress • Multiple income source tracking (salary, freelance, business) • Savings goals with contribution tracking • Budget categories with spending limits • Transaction log for expenses and income • JSON, CSV, and database export for backups • Local notification reminders for due dates