Money Badger

Justin Sam

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About this app

Money Badger — Guard Your Wealth. Attack Your Debt.

Your personal finance companion built for India. Track every rupee of income, expenses, loans, and savings — all offline, all private, all free.

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WHY MONEY BADGER?

Like the honey badger — fearless, relentless, and protective — this app guards your wealth and attacks your debt with zero compromise.

Most budgeting apps are complicated. Money Badger is simple: set up once, track everything automatically.

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KEY FEATURES

SMART BUDGET TRACKING
• Fixed Budget — exact amount, auto-deducted on due date
• Variable Budget — spending cap, deducted only when you actually pay
• Tap to Spend — variable budgets on home screen for quick expense logging
• Pay button on every category — one tap to mark as paid

AUTO-PAY SYSTEM
• Set EMI due dates for loans and SIP dates for investments
• Auto-pay deducts from your balance when the date passes
• Manual pay option with one-tap Pay button
• Never miss tracking a payment again

LOAN MANAGEMENT
• Track Home Loan, Personal Loan, Gold Loan, Car Loan, Education Loan
• Three interest types: Simple Interest, Amortization (EMI), Fixed Interest
• EMI breakdown — see exactly how much goes to interest vs principal
• Interest-only loans tracked separately (principal unchanged)
• Debt avalanche strategy support

SAVINGS & INVESTMENT TRACKING
• SIP, Mutual Fund, PPF, PF/EPF, NPS, LIC, Fixed Deposit
• Gold, Property, Stocks, Cash tracking
• Monthly addition with auto-increment
• Growth rate projections
• Auto-sync to budget as investment expenses

MONTHLY ROLLOVER
• Unspent balance carries forward to next month
• Previous months locked and read-only
• Monthly snapshots for long-term tracking
• Budget auto-created each month based on your setup

COMPLETE DASHBOARD
• Available balance — salary minus spent
• Monthly budget, amount paid, budget left, surplus
• Recent transactions
• Debt status with payoff phase tracking
• Net worth = total assets minus total debt

GUIDED SETUP
• 6-step onboarding — name, income, loans, savings, expenses, notifications
• Preset categories — no typing needed for common items
• Dropdown selectors with "Add new category" option
• Edit everything anytime from home screen or settings

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BUILT FOR INDIA
• Indian Rupee (INR) with Indian numbering: ₹1,23,456
• Preset categories: SIP, MF, PPF, PF, NPS, LIC, Home Loan, Gold Loan
• Salary date tracking
• Quarterly and yearly income support
• Bonus month allocation

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100% OFFLINE & PRIVATE
• All data stored locally on your device
• No servers, no cloud, no accounts to create
• No analytics or tracking
• No subscriptions — completely free
• Export your data as JSON anytime

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WHO IS THIS FOR?
• Salaried professionals tracking monthly budget
• Anyone with EMIs who wants auto-tracking
• People with SIPs, PPF, and multiple savings
• Anyone who wants to see their complete financial picture
• People who value privacy and offline-first apps

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Money Badger — because your money deserves a bodyguard.

Download now. Set up in 5 minutes. Track everything automatically.

What’s new

Key Features:

Smart Budget Tracking — Fixed and variable budget types. Auto-pay deducts on due date, manual pay with one tap.

Loan Management — Track Home Loan, Personal Loan, Gold Loan with EMI breakdown (interest vs principal). Simple interest, amortization, and fixed interest support.