Payment Tracker

Byntix

About this app

💰 PaymenTracker — Your Private, Offline-First Expense & Debt Tracker

Take complete control of your money. PaymenTracker is a beautiful, privacy-first
personal finance app that works 100% offline. No ads. No subscriptions. No data
harvesting. Your financial data stays on YOUR device.

━━━ WHY PAYMENTRACKER? ━━━

✅ 100% Offline — No internet needed. Your data never leaves your phone.
✅ Zero Ads, Zero Subscriptions — Completely free forever.
✅ Bank-Grade Security — PIN lock + Biometric authentication.
✅ Google Drive Backup — Encrypted cloud backup to YOUR private Drive.

━━━ POWERFUL FEATURES ━━━

💳 COMPLETE EXPENSE & INCOME TRACKING
• Track Income, Expenses, Transfers across multiple accounts
• Manage Cash, Bank, Credit Card, UPI, and Digital Wallet accounts
• Attach receipt photos to any transaction
• 7 payment modes: Cash, UPI, GPay, PhonePe, Card, Net Banking, Cheque

👥 DEBT LEDGER (LEND & BORROW)
• Track who owes you and who you owe — with net balance summaries
• Record partial and full settlements with audit notes
• Contact picker integration for quick person entry
• Perfect for splitting bills, lending to friends, or family finances

📊 SMART ANALYTICS & INSIGHTS
• Monthly cash flow bar charts (income vs expense vs net)
• Category spending donut charts with drill-down
• Month-over-month comparison with savings rate
• Automated financial health insight cards

🎯 BUDGETS & RECURRING BILLS
• Set monthly spending limits per category
• Visual progress bars with Safe / Warning / Exceeded status
• Automated recurring transactions: daily, weekly, monthly, yearly
• Never miss a subscription or bill payment

⏰ SMART REMINDERS & NOTIFICATIONS
• Payment reminders for bills, insurance, recharges
• Budget alert notifications at 80% and 100% thresholds
• Daily and weekly spending digest summaries
• Overdue debt reminders for outstanding loans

🔍 POWERFUL SEARCH & FILTER
• Full-text search across all transactions
• Filter by date, type, account, category, amount range
• Quick presets: Today, This Week, This Month, Custom Range

🔒 PRIVACY & SECURITY
• App Lock with PIN + Fingerprint / Face Unlock
• Auto-lock after 60 seconds in background
• PBKDF2 cryptographic PIN hashing (bank-grade)
• Zero analytics. Zero tracking. Zero third-party servers.

☁️ BACKUP & EXPORT
• Google Drive encrypted cloud backup (your private appDataFolder)
• Automatic backup: Daily, Weekly, or Monthly scheduling
• Export branded PDF financial statements
• CSV Import & Export for Excel / Google Sheets compatibility

📱 BEAUTIFUL DESIGN
• Material Design 3 (M3 Expressive) — premium, modern interface
• Home screen widget for quick spending overview
• Dark mode support with elegant tonal color system
• Edge-to-edge design optimized for Android 15/16

🔥 DAILY STREAK TRACKER
• Gamified streak system rewards consistent financial logging
• Track your current and longest logging streak

━━━ PERFECT FOR ━━━

• Students tracking pocket money and hostel expenses
• Freelancers managing income from multiple clients
• Families tracking shared household expenses
• Anyone lending or borrowing money with friends
• Small business owners tracking cash flow
• People who value privacy and want NO ADS

Download PaymenTracker today and take control of your finances — privately,
securely, and beautifully.

Tags: expense tracker, money manager, budget planner, debt tracker, personal
finance, offline expense app, spending tracker, bill reminder, income tracker,
savings tracker, financial diary, money diary

What’s new

🎉 Welcome to PaymenTracker v1.0.12!
• Track Expenses & Income: Record daily transactions and recurring bills effortlessly.
• Debt Ledger: Keep track of money lent or borrowed with contact integration.
• Google Drive Backup: Secure, automated WhatsApp-style cloud backups.
• Visual Insights: Interactive cash flow and category spending charts.
• Security: PIN and biometric app lock support.