Budgetary vs Money Tracker

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.

Rory keeps your money in one place — and keeps it on your phone. No bank login. No sign-up. You type what you spend, and everything follows from that. Every kind of account, not just a bank one Cash, current and savings, credit cards, prepaid and loyalty cards, loans, money you lent a friend, money you borrowed, a committee, property, gold, stocks and crypto. Each one shows the figure that actually matters to it: what's left on a card, what's repaid on a loan, what someone still owes you. Two taps to write something down Tap a category, type the amount, done. Repeat a bill and Rory tells you the day it's due — one tap and it's logged, never posted behind your back. Money that comes in, too Salary, rent, dividends, a gift. Link the rent to the flat that earned it and the property starts showing what it makes. Things you're saving for Set money aside for a house or a car. It stays in your account — your bank and Rory agree to the fils — and the project just knows it's spoken for. Cards and loans that answer the real question Put in the rate and what you pay, and Rory tells you when you're free and what the rest of it will cost. A payment splits into interest and principal, because that's what a payment is. Warranties and bills Keep the receipt, the serial number and the expiry. Rory nudges you before cover ends. Check it against your bank Type what your bank says. If it matches, the account is agreed and dated. If it doesn't, Rory helps you find the missing one — or writes the difference down where you can see it. Travelling Spend in another currency and type the rate once. The receipt keeps its own figure; your account is charged in yours. Yours, and private Everything lives on your phone. Lock it with Face ID. Export a spreadsheet whenever you want it. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ https://rory.loomworks.app/privacy.html