AETERNA: Wealth & Budget

Kartik-Kumar

About this app

Take control of your money, grow your savings, and secure your financial future with AETERNA – the premium, offline-first Private Wealth & Budget Manager.

AETERNA is designed to give you complete financial clarity without compromising your privacy. With zero cloud databases, your financial data stays strictly on your device. Sync with your personal Google Drive whenever you want, secured with native biometric authentication.

📊 KEY FEATURES

1. Smart Expense Tracker & Cash Flow Ledger
• Smart Financial SMS Auto-Tracker: Automatically reads and parses incoming bank deposits, credit card spends, and UPI SMS alerts to log transactions 100% offline without manual input.
• Easily log daily income, expenses, and bank transfers.
• Beautiful HSL theme engine with premium Fintech Modernity visual layouts.
• Quick-capture utility: Log notes, current mood emojis, hashtags, and attach receipt photos instantly.
• Format all metrics natively in Indian Rupees (₹) and regional formatting.

2. Interactive Accounts & Portfolio Manager
• Manage multiple accounts: Cash, Cards, Portfolios, and Bank accounts.
• Virtual Card templates: View credit cards with cycle dates, auto-pay toggles, and payment due dates.
• Detailed account details: Visual monthly trend lines and date-grouped transaction logs.
• Track volatile assets (Equity, Mutual Funds) with periodic valuation logs and historical yield trackers.

3. Goal Planner & SIP Investment Engine
• Create specific targets (e.g., Home down payment, Retirement, Emergency fund).
• Built-in SIP calculator: Automatically calculates the exact monthly investment required based on interest rates.
• Inflation adjuster: Auto-adjusts long-term targets to protect your future money from inflation.
• Track milestones and visualize your savings progress with sleek progress rings.

4. Budget Allocator & Smart Rebalance
• Distribute your income using the standard 50/30/20 rule (Needs, Wants, Savings).
• Smart Rebalance: Drag any allocation slider, and the rest adjust automatically to maintain a perfect 100% distribution.
• Category drill-downs: Monitor category-wise limits, monthly caps, and exact transactions.

5. Document Vault (Receipt Cabinet)
• Organize physical invoices, bill receipts, and bank statements in secure folders.
• Snap photos from your camera or upload from the device gallery.
• Pinch-to-zoom viewer with smooth panning controls.
• Link documents directly to transactions for bulletproof records.

6. Daily Mood & Money Calendar
• Unique calendar showing daily expense summaries, transfers, and your dominant mood.
• Tapping any day opens a detail sheet to modify entries instantly.
• Rich-text financial diary with a custom scratchpad and built-in calculator.

🔒 PRIVACY & TOP-TIER SECURITY

• Offline-First: We don't host your data on external servers. Your balances, notes, and photos stay on your device.
• Biometric Gate: Protect your financial app with Fingerprint, FaceID, or native Android PIN/Pattern lock.
• Secure Drive Backup: Perform manual or automated cloud backups directly to a hidden Application Data folder in your Google Drive. No other apps can access it.
• Data Portability: Export your complete transaction ledger into standard CSV files or backup/restore the SQLite database.

Start your journey to financial freedom today. Download AETERNA and build wealth with absolute privacy!

What’s new

v1.0.44
• Parent Category Allocations: Easily adjust allocation percentages for parent categories with subcategories directly in Settings.
• Financial SMS Auto-Tracking: Improved offline parsing for bank, UPI, and credit card transaction alerts.
• Privacy & Security: Strengthened offline-first local storage and biometric app lock.
• Performance & UI Polish: Smooth visual responsiveness and minor stability improvements.