Vynance

Vynci

About this app

Vynance is a private expense tracker and budget planner for Android. Log what you spend, what you owe and what you own — and see exactly where your money goes, without handing your financial life to a server.

🔒 YOUR MONEY DATA NEVER LEAVES YOUR PHONE

There is no Vynance account and no Vynance server. Every transaction, balance and receipt lives in a private database on your device. No ads. No analytics. No tracking. No selling your data. Vynance does not connect to your bank, cannot read your statements and cannot move money — it is a personal ledger you control, and it works offline. The only copy that ever leaves your phone is a backup you choose to make to your own Google Drive.

💸 EXPENSE TRACKING THAT TAKES SECONDS

• Add income, expenses and transfers in a couple of taps

• Voice entry — just say the expense

• Attach a receipt photo to any transaction

• Categories, tags, payment modes and notes

• Fast search, filters and sorting across your whole history

• Calendar view of daily spending

• Recurring transactions for rent, bills, salary and subscriptions

• Home-screen widget for balance at a glance

🏦 ALL YOUR ACCOUNTS IN ONE MONEY MANAGER

• Bank, cash, wallet, credit card and investment accounts

• Multi-currency support with automatic exchange rates, all totals shown in your home currency

• Net worth view — assets versus liabilities, updated as you go

• Credit card tracking: limits, utilisation, billing cycles and payment-due reminders

📊 BUDGET PLANNER AND SPENDING LIMITS

• Monthly budgets per category

• Colour-coded progress rings that show what is left, not just what is spent

• Local alerts as you approach or cross a limit

• Over-budget warnings before the month gets away from you

🤝 DEBTS, LOANS AND IOUS

• Track money lent and money borrowed, person by person

• Record part-payments and see the running balance

• Know what is outstanding and what is overdue

📈 REPORTS AND INSIGHTS

• Category breakdowns and spending trends over time

• Income vs expenses, cash flow and savings rate

• Best month, average monthly spend and top expense at a glance

• Plain-language insights that tell you what actually changed this month

🎯 SAVINGS, INVESTMENTS AND RETIREMENT

• Savings goals with progress tracking

• Record investment values over time from your own statements

• Pension and retirement plan tracking — contributions against growth

🎨 BUILT TO FEEL GOOD TO USE

• Modern Material 3 design with light and dark themes

• Customisable home screen — arrange the sections you actually use

• Biometric app lock

• Export your data any time as CSV or PDF, and import from CSV

• Optional backup to your own private Google Drive folder

• Notification centre for budget, bill and reminder alerts

WHO VYNANCE IS FOR

Anyone who wants a daily expense manager and budget app that is genuinely private: people tracking household spending, freelancers separating personal and work money, students on a tight monthly budget, and anyone who wants a clear picture of their net worth without linking a bank account.

PREMIUM

Vynance is free to use for everyday expense tracking and budgeting. An optional Premium upgrade unlocks advanced features — you will never be asked to pay to see your own data, and there are no ads either way.