Budgetary vs Daily Hisab

Budgetary is a private, manual-first money tracker. Log spending yourself, budget by category, split bills with friends, track loans with real EMI math and save toward goals — all stored on your phone, never linked to your bank. Track, budget, split, settle. No bank login. No automatic imports. No ads, no tracking. Every entry is yours, made in seconds with a keypad calculator, tags, line items, receipts and unlimited categories. TRACK EVERY RUPEE, DOLLAR AND EURO • Home shows income, expenses and net cashflow for any day, week or month • Wallet, card, bank and app accounts as manual containers with live balances • Unlimited categories and subcategories with their own icon and colour • Tags, line items and attachments (photos and documents) on any transaction • Multi-currency: 40 currencies, live or manual exchange rates, one display currency • Recurring income and expenses, daily to yearly, held in a Pending Approvals queue so nothing posts without you • Due Soon card for bills due today, tomorrow or in the next few days BUDGETS THAT KEEP PACE • Per-category caps for weekly, monthly, yearly or custom periods • Live progress, on-track or behind indicator and a month-end projection SPLIT BILLS, SETTLE SIMPLY • Split any expense equally or by custom shares across your contacts • Per-person balances, payment history and simplified settle-up that reduces who-owes-who to the fewest payments • Import people from your address book. Splits stay local — your friends don't need the app LOANS WITH REAL EMI MATH • EMI loans in the Debts tab: full amortisation schedule, interest accrual, record each payment, close when it's paid • Manual loans and IOUs: money you've lent or borrowed, with optional reminders SAVE AND PLAN • Savings goals with a target, optional deadline, progress ring and what you need per day, week or month • Projects: budget a trip or any plan with its own limit and dates, then settle the whole thing • Sheet view: spreadsheet-style entry with text, number, date and formula columns 21 FINANCE CALCULATORS BUILT IN Free: EMI, Simple and Compound Interest, FD, RD, SIP, Savings Goal, GST, VAT, Split with tip, Inflation, Emergency Fund, Home Affordability. Plus: Debt Payoff, Early Payoff, Step-up SIP, SWP, FIRE, Rent vs Buy, Debt vs Invest, Retirement Stress Test. PRIVATE BY DESIGN • Your ledger lives in an on-device database and is never sent to our servers • No bank linking, no account aggregation, no ad tracking, no usage analytics • Local .bdg backup to Files (optionally password-protected) and CSV export • Optional Cloud Backup (Plus) is end-to-end encrypted on your phone before upload — we never hold the key 12 LANGUAGES English, Hindi, Tamil, Spanish, Portuguese, German, French, Italian, Dutch, Japanese, Korean and Chinese. BUDGETARY PLUS Budgetary is free to use with unlimited transactions, categories and history. Plus unlocks: • Insights — monthly Recap, spending forecast, trends, net worth, cash-flow diagram, budget health score, merchant and subscription analytics • End-to-end encrypted Cloud Backup • Unlimited accounts, budgets, projects, recurring rules, savings goals and EMI loans • 8 advanced calculators, custom date ranges, whole-project settle-up, all-scope CSV export, push reminders and live exchange rates Budgetary Plus is an optional auto-renewable subscription, offered monthly or yearly. Payment is charged to your Apple Account at confirmation of purchase. It renews automatically unless you cancel at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours before the period ends. Manage or cancel any time in Settings → Apple Account → Subscriptions. Prices are shown in the app in your local currency. Terms of Service: https://budgetary.in/terms-of-service Privacy Policy: https://budgetary.in/privacy-policy Sign in with Apple, Google or your phone number to get started. Engineered by Vynnter.

Daily Hisab is your all-in-one personal finance app for tracking daily expenses, income, budgets, and shared group costs. GUEST MODE - TRY IT INSTANTLY Want to test the app without creating an account? Jump right in with Guest Mode. Track your expenses, log income, and manage groups directly on your device. Whenever you're ready, simply sign in to securely save your data and unlock the full experience. TRACK EVERY EXPENSE, BY CATEGORY Log spending in seconds and assign it to a category - Food, Rent, Subscriptions, Transport, Bills, Medical, and more. Attach receipt photos and notes so every entry is easy to find later. SET CATEGORY BUDGETS & GET ALERTS BEFORE YOU OVERSPEND Set a spending budget for each category, not just your month overall. Daily Hisab tracks your category budget total, what's left, and how many days remain - and alerts you when a category is nearing or over its limit, so you can course-correct before it's too late. CATEGORY INSIGHTS AT A GLANCE See exactly where your money goes with a full category breakdown: percentage of total spend, budget used vs remaining, current pace vs your typical month, and a 6-month trend for every category. Know instantly which categories are over budget, near their limit, or on track. ADVANCE GROUPS - SPLIT BILLS ANY WAY YOU LIKE Trips, roommates, family expenses - create a group and split costs exactly how they happened: - Equal split - divide evenly among members - Unequal split - set custom amounts per person - Percentage split - divide by share percentage - Share-based split - split by number of shares per person See live balances (who paid, who owes), get settlement suggestions for the simplest way to clear balances, and settle up with full history. INCOME & BUDGETING Track salary, freelance, business, and other income sources. Choose a fixed monthly budget or a percentage-of-income budget, on top of your per-category budgets. REPORTS & EXPORT Filter transactions by date and category, then export clean reports to PDF or Excel for your records. MULTI-LANGUAGE Use Daily Hisab in English, Hindi, Bengali, Tamil, and more. BUILT FOR EVERYDAY USE - Clean dashboard with monthly budget vs spending at a glance - Secure sign-in and account sync - Notifications for budget alerts and group updates - Regular updates and responsive support Start your daily hisab today.