BMD vs Daily Expense Tracker

Your njangui, your hui, your shared expenses: finally clear. BMD replaces the notebook, the WhatsApp screenshots and the end-of-round arguments. Who paid in, who owes what, who receives this month: one screen. ROTATING SAVINGS - NJANGUI, HUI, SUSU, ESUSU, STOKVEL - Set the order of beneficiaries, track contributions, send automatic reminders to every member. - Hui: monthly bidding so a member can receive the pot earlier, with the full bid history. - Proof for every payment: receipt photo, confirmation from the beneficiary, timestamp. - The group organiser stays in control; every member sees the same truth. SHARED EXPENSES - Add an expense and BMD instantly works out who owes what. - Flatshares, trips with friends, nights out, family events. - Optimised settlements: the smallest number of transfers to clear everything. - Receipt scanning, multi-currency, categories. IOU AND LOAN RECORDS - Formalise a loan between friends or relatives in two minutes. - Repayment schedule, witnesses, guarantors, document stored in the app. - A written loan is a friendship preserved. GROUP FUNDS - Built for associations, churches, clubs and families. - Fund balance, money in, money out, supporting documents. - Every member can check for themselves, nobody has to take it on trust. WHY BMD IS DIFFERENT BMD is a ledger, not a bank: the app never holds your money. No account to open, no funds locked, no commission on your contributions. You keep paying the way you always have - cash, bank transfer, mobile money - BMD simply guarantees that everyone sees the same thing. WHO IT IS FOR - African diaspora savings groups in the UK, France, Belgium, Luxembourg, Switzerland, Canada and the US - Njangui and hui groups in Cameroon and Central Africa - Susu, esusu, ajo and stokvel groups in Ghana, Nigeria and South Africa - Flatmates and groups of friends travelling together - Associations, clubs and churches running a common fund Shared money. Friendships protected. A question, a bug, an idea? Write to us, we reply quickly.

Daily Expense Tracker is a simple way to see where your money actually goes. Add an expense in seconds, sort it into a category, and watch your daily and monthly picture build itself. No bank login, no sign-up, no data leaving your phone. TRACK EVERY DAY • Add expenses, income, and transfers between accounts • Cash and card accounts, plus any account you create • Categories and subcategories for every transaction • Notes, dates, and a full searchable history • Balance, income, and expense totals at a glance PLAN AHEAD • Monthly budgets by category with spending limits • Savings goals: name it, set the target, watch it get closer • Bill reminders so a payment never catches you off guard • Repeating payments for rent, loans, and subscriptions UNDERSTAND YOUR MONEY • Reports by month or any custom period • Category breakdown of where spending really happens • Export to CSV, PDF report, or a full JSON backup PRIVATE BY DESIGN Your finances stay on your device. No account required, no bank connection, no tracking. Lock the app with a password for extra peace of mind. MADE TO FIT YOU • Any currency you like • Light, dark, or system theme • Week starts Monday or Sunday, your call • Custom categories for the way you actually spend Daily tracking stays free. Go Pro to unlock reports, budgets, goals, reminders, custom categories, and exports. Terms of Use: https://pantageya.github.io/PavelGedko-Legal/terms/ Privacy Policy: https://pantageya.github.io/PavelGedko-Legal/privacy/