Habit Money: Expense Tracker

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About this app

Track your expenses, manage monthly budgets, and reach your savings goals with total privacy. Habit Money is an offline-first budget tracker and personal finance manager designed to give you absolute control and clarity over your money—without complex bank syncs or security risks.

Our core belief is that financial health starts with small, daily habits of tracking and awareness. By logging your transactions manually and instantly at the point of sale, you build a conscious, healthy relationship with your money.

**Why choose Habit Money?**
🔒 **100% Offline & Private:** All your financial data is stored safely on-device. We do not require cloud accounts, we never ask for bank credentials, and we don't sell your data. Your money tracker is entirely yours.
⚡ **Lightning Fast:** Built to open instantly, allowing you to log a transaction in less than 3 seconds.
📊 **Simple, Actionable Insights:** Easy-to-understand charts showing your net cash flow, monthly income, expenses, and historical trends without complex financial jargon.

**Key Features:**
• **Expense & Income Ledger:** Easily log daily transactions, assign categories, and add notes.
• **Multi-Account Management:** Manage balances across multiple accounts (Cash, Bank, Savings, Cards) with double-entry transfers that update automatically.
• **Budget Planner:** Set monthly budget limits for specific categories (Food, Rent, Transport, Shopping) and get visual warnings before you overspend. The best budgeting app works when it stays out of your way.
• **Savings Goals & Emergency Fund:** Set specific savings targets with deadlines, build your emergency reserve, make direct contributions, and track your progress in real time.
• **Biometric App Lock & PIN Security:** Protect your sensitive financial data with native biometric authentication (Fingerprint, Face ID) or device PIN/Pattern lock.
• **Local Encrypted Backups:** Export and import your data in JSON format to keep full control over your information.
• **Home Screen Widget:** See your monthly income, expense summary, and budget progress directly from your Android home screen, without opening the app.

**No forced cloud registration and no privacy compromises.**

Take control of your personal finance and start saving money today. Download Habit Money — the budget tracker and money manager that puts you back in charge of your spending habits.

What’s new

🗓️ Custom cycle start day

You can now choose which day of the month your financial cycle starts. Perfect if you get paid on a date other than the 1st.