EMI & Subscriptions Tracker vs Gravity

EMI Tracker & Loan Manager: Track bank EMIs, credit card EMIs, personal loans, bike loans, and phone EMIs See total outstanding amount, paid EMIs, and remaining EMIs Know your next EMI due date at a glance Clear breakdown of principal, interest, and balance Track EMI progress visually Perfect for anyone looking for an EMI tracker app in India. Subscription Tracker: Track all your monthly and yearly subscriptions See your average monthly subscription spending Categorize subscriptions (Entertainment, Utilities, Storage, etc.) Know exactly where your money goes every month Ideal if you want a subscription tracker app to avoid silent money leaks. Smart EMI Calculator: Calculate EMI instantly based on principal, interest rate, and tenure See total payable amount and interest cost Built-in affordability check based on your income Visual chart for better understanding Useful as both an EMI calculator and loan affordability calculator. Stay on Track: Clear EMI status: On track, Due soon, Completed See upcoming payments before they surprise you Designed to reduce missed payments and stress Backup & Sync: Secure cloud backup Sync your data across devices Your data stays private Clean, Fast & Private: No Ads No unnecessary permissions Offline-friendly Clean, modern dark UI Built for speed and clarity Who is this app for? People managing multiple EMIs Anyone paying monthly subscriptions Users looking for a simple expense & EMI tracker People who hate ads in finance apps Anyone who wants control over money without complexity Popular Use Cases: EMI tracker for loans EMI calculator India Subscription manager Monthly expense tracking Loan repayment planning EMI & Subs Tracker (No Ads) helps you stop guessing and start knowing where your money goes. Download now and take control of your EMIs and subscriptions — the smart way.

Know what's safe to spend — every single day. Gravity does the math you never do: your income, minus what you've spent, minus the bills that haven't hit yet — divided by the days left. One number, every morning. A progress bar shows today's burn. That's it. No spreadsheet, no guilt. CAPTURE IN SECONDS • Keypad-first quick add — amount, merchant, done • Merchant autocomplete that learns from you • Rules that auto-categorise ("swiggy" → Food, forever) • Import bank-statement CSVs — even messy ones with buried headers • Attach receipts to any expense • Log by voice with Siri, or straight from the widget EVERY RUPEE HAS A PLACE • Accounts — banks, credit cards (with limit meters), cash, wallets • Transfers between accounts that never pollute your spending • Net worth: what you own minus what you owe • Split any bill across categories — or mark a friend's share PEOPLE — the udhaar book your memory deserves "Rohit owes me ₹2,000." Track money lent and borrowed, settle up with one tap, see your net position. Split a dinner and the friend's share lands here automatically. BILLS & EMIs THAT MANAGE THEMSELVES • Auto-detects subscriptions and EMIs from your history • Add EMIs with an end date — "14 instalments left, ends Mar 2027" • Reminders before every due date, naming the account to keep funded • Price-hike alerts when a subscription quietly gets costlier • Flag-to-cancel and see exactly what you'd save UNDERSTAND YOUR MONEY • Monthly report: what moved vs last month, biggest expense, spending calendar • Category breakdowns, top merchants, trend charts • No-spend streaks on a heatmap — build the habit • A 5-pillar financial health score • Budgets that warn at 85%, goals with round-up auto-savings WIDGETS EVERYWHERE Home screen and lock screen — this week's spend, today's total, safe-per-day, and one-tap quick add. PRIVATE BY ARCHITECTURE No account. No cloud. No analytics. Your financial life lives in your phone's encrypted storage and nowhere else. Back up to a file you control; restore anywhere. Face ID lock built in. Trips & tags for travel budgets. Multi-currency with live rates. Light and pure-black dark themes. Made with obsession by BlackSpace AI. Your money, in orbit.