SpendFlow: Private Budget & AI

Macrohub

About this app

**Your money tells a story. SpendFlow helps you control the narrative.**

SpendFlow is a high-performance financial management platform designed for those who demand absolute privacy and cutting-edge intelligence. It's a behavioral financial engine that turns data into deep, actionable wisdom.

**The "Killer" Features:**

* **🔒 Privacy Zones**: Our geofencing "Zero-Touch Privacy" masks your balances and transaction history in public zones like cafes or offices, revealing them only when you're safely home.
* **💳 Debt Intelligence**: Take total control of your credit. Manage limits, track real-time "Amount Owed," and use the smart installment system to project how large purchases impact your debt over months.
* **🤖 Predictive Heatmap**: See the future with our 30-day predictive engine. A color-coded heatmap projects your balance based on subscriptions and bills, alerting you to "low-liquidity" zones before they happen.
* **⚠️ AI Anomaly Detection**: Local AI learns your habits and proactively alerts you when a transaction exceeds your historical average, preventing manual errors or impulse buys.
* **🧠 Gemini AI & Pulse Scan**: Experience the future of receipt analysis. Use Google’s Gemini AI to parse complex, itemized receipts. "Pulse Scan" stitches multi-page receipts into a single intelligence-ready document.
* **📊 Dynamic Reports & CSV**: Generate professional PDF reports of your spending. Export filtered transactions to CSV for accounting—all processed locally on your device.
* **🤝 Offline Partner Sync**: Synchronize your journey with a partner using P2P Bluetooth and Wi-Fi. No cloud, no servers, no internet—your shared data remains entirely private.
* **👥 Committees & Loans**: Manage decentralized savings pools (ROSCA) and personal lending. Crush debt with our Debt Payoff Planner using Snowball or Avalanche strategies.
* **📉 Wealth & Seasonality**: Visualize your financial safety net with a 90-day wealth pulse. The "Annual Habit Matrix" pinpoints seasonal spikes in categories like fast food or travel.
* **🎭 Mindful Reflections**: Track the *why* behind the *what*. Log your emotional state after purchases to identify stress-spending habits and regain control.
* **🏆 Gamified Finance**: Earn achievements for consistent saving streaks and logging habits. Unlock badges like "Saver" and "On Fire!" to stay motivated.
* **🔄 Budget Rollover**: Unused budget automatically rolls over to the next month, perfect for saving up for larger expenses in specific categories.
* **📊 Smart Dashboard**: See your monthly summary at a glance—total spent, income, top category, and percentage change vs. last month with interactive donut charts.
* **🔍 Global Search & Templates**: Instantly search all transactions from the dashboard. Save frequent transactions as one-tap templates for instant reuse.
* **🔁 Recurring Detection**: Automatically identifies recurring spending patterns and surfaces them as smart suggestions, ensuring you never miss a subscription.

**Uncompromising Privacy:**
* **100% Local-First Architecture**: Your financial data never leaves your device.
* **AES-256 Encrypted Backups**: Secure your history with military-grade encryption for offline storage.
* **No Accounts, No Tracking**: Start managing your money instantly. No email, no password, no tracking.

SpendFlow is simple enough for daily logging, yet powerful enough to manage a full-spectrum financial life.

Download SpendFlow today and shift from tracking your past to designing your future.

What’s new

- Added automatic transactions when adding or editing wallets (Direct Credit/Debit).
- Fixed the wrong total balance by excluding inactive wallets.
- Enhanced App Tour experience to seamlessly highlight actionable items and explicitly guide users from the initial setup tour.