Mate - Money & Expense Tracker

Byontriq

About this app

Finance, deconstructed.

Most finance apps want your data. Mate doesn't. No accounts. No cloud. No sign-ups. Everything stays on your device — period. Your financial life is nobody's business but yours.

But privacy doesn't mean boring. Mate is crafted with a monospace-driven design system, custom typography (Geist Mono + NDot 57), and three stunning themes (Dark, Light, and Grey) that make expense tracking feel less like a chore and more like a ritual.

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WHY MATE?
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▸ 100% OFFLINE — No internet required. No servers. No data harvesting. Your finances never leave your phone.

▸ ZERO ADS, ZERO SUBSCRIPTIONS — Every feature, completely free. No paywalls, no premium tiers, no upsells. Ever.

▸ DESIGNED WITH OBSESSION — Inspired by the best iOS finance apps and rebuilt from scratch for Android. Every pixel, every animation, every micro-interaction is intentional.

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FEATURES
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SMART EXPENSE TRACKING
• Add income and expenses with a beautiful keypad interface
• Auto-detect transactions from bank SMS and notifications — Mate reads them so you don't have to
• Transfer between wallets with one tap
• Custom categories with icons, colors, and drag-to-reorder

MULTIPLE WALLETS & CURRENCIES
• Cash, bank accounts, savings — all in one place
• Full credit card management with outstanding balances, EMI tracking, and billing cycles
• 48+ currencies supported with per-wallet currency assignment

BUDGET THAT ACTUALLY WORKS
• Set weekly or monthly budgets — overall or per-category
• Visual burn rate ring shows exactly where you stand at a glance
• Color-coded progress: green → yellow → orange → red as you approach your limit

SUBSCRIPTIONS & RECURRING PAYMENTS
• Track Netflix, Spotify, gym, and every recurring bill
• Automatic payment processing — Mate logs them for you when they're due
• Swipe-to-pay for instant manual processing
• Smart reminders before renewal dates

LOANS & DEBT TRACKING
• Track money you've lent or borrowed with full payment histories
• Debt Watchdog — get notified the moment your wallet balance can cover an outstanding loan
• Interest rate tracking and amortization schedules

RECURRING INCOME
• Log paychecks and regular income on autopilot
• Supports daily, weekly, bi-weekly, monthly, quarterly, and yearly frequencies

INSIGHTS & ANALYTICS
• Beautiful SVG charts — bar graphs, donut charts, pie breakdowns
• Weekly and monthly spending analysis
• Category-wise spending breakdown with percentages
• All rendered natively — no external chart libraries, no web views

FINANCIAL TOOLS
• What-If Simulator — "If I save ₹5,000/month, when do I reach ₹1,00,000?" Answer instantly
• EMI Calculator — Calculate loan repayments with full amortization schedules
• Excel Export & Import — Take your data anywhere, bring it back anytime

HOME SCREEN WIDGETS
• Budget Widget — See your spending progress without opening the app
• Quick Add Widget — Log expenses from your home screen in seconds
• Spending Insights Widget — Weekly spending breakdown at a glance

SECURITY
• Biometric lock — Fingerprint or Face authentication
• Configurable auto-lock timing (immediate to 10 minutes)
• Your data is encrypted locally via AsyncStorage

PERSONALIZATION
• Three crafted themes: Dark (default), Light, and Grey
• Configurable week start day (Sunday or Monday)
• Show or hide cents/decimals
• Customizable notification timings for reminders

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We searched everywhere for the perfect financial tracker for Android — one that was beautiful, intuitive, and actually enjoyable to use. We couldn't find it. So we built it.

No tracking. No analytics. No compromise.
Just you and your money.

Join the community: discord.gg/ufgryu39Pv