Klera: Offline Expense Tracker

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Contains adsIn-app purchases

About this app

Money, made clear. Klera is your private, offline personal finance app — built for India.

NO SIGN-UP REQUIRED. Your data stays on your phone, encrypted. Nobody else sees it.

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WHAT YOU CAN DO
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📒 DAILY EXPENSE TRACKING
Record income and expenses in seconds. Organize by category, add notes, and see exactly where your money goes — daily, weekly, or monthly.

🏦 MULTIPLE ACCOUNTS
Track cash, bank accounts, digital wallets (UPI/Paytm), and cards in one place. See your net worth across all accounts at a glance.

🤝 PERSONAL IOUs (UDHAAR)
Lent money to a friend? Borrowed from a relative? Track it clearly. Know who owes you what — and clear it with one tap.

🎯 SAVINGS GOALS
Set a goal (bike, emergency fund, vacation), contribute regularly, and watch your progress.

📊 BUDGETS
Set monthly budgets by category. Get a clear picture of what you have left to spend.

🏠 LOAN TENURE PLANNER
Compare two loan scenarios side by side. See how changing the EMI or tenure affects your total interest. Plan smarter, not harder.

📈 SIP & INVESTMENT CALCULATORS
SIP returns, EMI calculator, compound interest, goal SIP — all the calculators you actually need, built in.

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WHY KLERA IS DIFFERENT
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🔒 100% PRIVATE
Your financial data never leaves your device. We don't collect analytics, sell your data, or require an account. Not even for crash reports.

📵 WORKS OFFLINE, ALWAYS
No internet? No problem. Every feature works without a network connection.

🔐 ENCRYPTED DATABASE
Your data is protected by AES-256 encryption (the same standard used by banks). The key is stored in your phone's secure hardware — not on our servers.

🇮🇳 BUILT FOR INDIA
Indian number formats (₹ lakhs, crores), UPI-first thinking, and a UI that makes sense for Indian household finance.

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COMING SOON
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• Group splits with UPI settle links
• Multi-device sync (opt-in, encrypted)
• PDF statements & tax-ready reports
• Domestic staff salary tracking

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PERMISSIONS
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• Biometric / device PIN — to lock the app (no biometric data is accessed by us)
• Notification access (optional) — to auto-capture bank/UPI payment confirmations from allowlisted apps; never reads other notifications.
• SMS (optional) — to auto-capture bank/UPI transaction SMS from allowlisted bank senders only; parsed entirely on your device, never uploaded. Off by default. See our Privacy Policy for details.
• No contacts permission. No location permission.

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PRIVACY
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Privacy Policy: https://kleraapp.com/privacy
All data is stored only on your device. Use Settings → Export My Data to take your data with you at any time.

Questions? [e-mail]