Expense Clarity

Expense Clarity is a fast, 100% offline personal expense manager, recurring bill manager, and debt payoff planner built for complete financial privacy on Android.

100% OFFLINE & PRIVATE BY DESIGN

- Zero Internet permission required
- Zero advertisements and zero third-party tracking SDKs
- No account sign-up or bank linking required

Unlike finance apps that demand bank logins, cloud accounts, or monthly subscriptions, Expense Clarity keeps all your financial records strictly on your device-giving you instant 0ms startup speed and complete ownership of your data.

CORE PHILOSOPHY

Secured, Personal, Offline, Insightful, Lossless, Encrypted, Planned, Zero-Trace, Peace of Mind.

COMPLETE FEATURE SET

1. Daily Safe-to-Spend & Instant Home Dashboard

- Automatically calculates how much money you can comfortably spend today without hurting your monthly plan.
- Deducts bills, savings, debt targets, and spending from monthly income, then calculates your daily available balance.

2. Fast Logging, Inline Math Calculator & Cash-Flow Feedback

- Record Expenses, Income, or Debt transactions in seconds across Cash, UPI, Card, or Bank Transfer.
- Built-in Quick Calculator inside the amount box: type math expressions.
- Full Transaction History Explorer across Today, This Week, This Month, This Year, or All Time with Date/Period View, Category View, instant search, and 1-tap Undo for accidental deletes.

3. Recurring Streams, Fixed-Cycle EMIs & Silent Reminders

- Track rent, utilities, subscriptions, fixed-term EMIs, and salary inflows on Daily, Weekly, Monthly, Quarterly, Half-Yearly, Yearly, or One-Time schedules.
- Fixed-Cycle Tracking: Set a Total Occurrences limit (such as a 12-month EMI) to track progress (e.g., 9/12) and automatically mark the stream as Completed on the final payment.
- Clear Stream Filters & Statuses: Filter by Ongoing or Recorded history with Ongoing, Completed, and Passed status badges.

4. Personal Debt & Loan Tracker with Smart Interest Schedules

- Track money you Borrowed or Lent with Simple Interest, Compound Interest, or No Interest.
- Flexible Interest Payment Schedules: Schedule interest Monthly, Quarterly, Half-Yearly, Yearly (automatically creates a linked interest stream), or accumulate interest On Settlement.

5. Clarity Analytics, Monthly Report Card & Notification Center

- Interactive Category Tables: Tap any category slice or row to drill down into subcategory breakdowns and individual transactions.
- Compare monthly income and expenses side by side.
- Financial Health Score (0-100) & Monthly Report Card: Get an A+ to D monthly grade evaluating your savings rate, budget discipline, and top spending categories.
- Category Budgets & In-App Notification Center

6. Full Category & Subcategory Management Suite

- Create custom Expense and Income categories and subcategories.
- Rename or recolor any category and automatically cascade updates across all historical transactions, streams, and budgets.
- Merge two categories together, move subcategories between categories, or delete categories safely by selecting a replacement category.

7. Lossless CSV Migration, 256-Bit Backups (.ebak) & 6-Digit App Lock

- Migration (CSV) Import: Import transactions from other expense apps or spreadsheets.
- Encrypted Backups (.ebak) & CSV Export: Save AES-256 password-protected backups (with Smart Merge or Clean Replace restore) or export clean CSV spreadsheets for Excel.
- Optional Encrypted Google Cloud Backup: Keeps a password-locked backup copy in your Google account backup when App Lock is enabled.
- 6-Digit PIN App Lock & Public Privacy Mask: Lock the app with a 6-digit PIN and tap the top Eye icon anytime in public to hide all balances behind '----'.

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Developer: Kamlesh Bhati, Founder of SparrowsNews

Official Website: https://expenseclarity.com/

Privacy Policy: https://expenseclarity.com/privacy-policy/

Support: expenseclarity@gmail.com

Kamlesh Bhati

Additional Information