Bare Finance

Avetis Software

Contains adsIn-app purchases

About this app

Your complete personal finance toolkit — 100% offline, no account needed, no bank linking. Your data never leaves your device.

📊 BUDGET TRACKER
Track every dollar of income and expenses. See where your money goes with color-coded pie charts and category breakdowns.
• Monthly navigation — browse spending month by month
• Search & filter transactions by name, category, or type
• Recurring transactions — auto-post monthly bills
• Swipe-to-delete with undo
• Home screen widget for at-a-glance balance

🏠 MORTGAGE CALCULATOR
Make your biggest financial decision with confidence.
• PITI estimation (Principal, Interest, Taxes, Insurance)
• Full amortization schedule over 15 or 30 years
• See how extra payments save you thousands in interest
• Export schedule to CSV

🐷 RETIREMENT & SAVINGS PLANNER
Watch your money grow with compound interest projections.
• Retirement calculator with age, contributions, and expected return
• Inflation-adjusted "purchasing power" in today's dollars
• Year-by-year growth tables

💱 CURRENCY CONVERTER & BILL SPLITTER
• Live exchange rates for 150+ currencies
• Offline mode — cached rates for travel without WiFi
• Bill splitter with quick tip presets (15%, 18%, 20%, 25%)
• Per-person breakdown and share via text

💳 DEBT PAYOFF & NET WORTH
• Calculate your debt-free date based on monthly payments
• Track net worth: assets vs. liabilities

🔒 PRIVACY FIRST
• No account required — ever
• No bank linking or credentials
• All data stored locally on your device
• Backup & restore your data anytime
• Dark mode ready

Built for speed, accuracy, and privacy. No subscriptions, no hidden fees.

Developed by Avetis, Inc.

What’s new

Edit your monthly budget directly from Overview.
Quickly add or remove money from your budget.
Fixed the Clear Selection behavior in Budget.
Improved budget progress accuracy and cent-level precision.
Transaction drafts and selected dates now survive screen rotation.
Improved backup validation, stability, and reliability.