Take full control of your personal finances without trading away your privacy. **Oneby2** is a feature-packed, completely private money tracker and bill-splitter built around a simple principle: **your financial data belongs to you alone.**

No sign-ups, no accounts, no cloud sync, and zero background analytics. Everything you enter remains stored on your device, protected by hardware-backed encryption.

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### **Zero Account, 100% Private**

* **No Sign-In Required:** Download and start managing your money immediately.
* **On-Device Hardware Encryption:** Your ledger, budgets, categories, and receipts are secured locally on your phone using Android’s native Keystore.
* **Zero Tracking:** No telemetry, no background profiling, and no data harvesting. The only outbound network calls are for optional online features (like fetching daily mutual fund NAVs) or processing a Google Play upgrade.

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### **Effortless Expense Tracking**

* **Log in Seconds:** Add transactions directly from the app, a home-screen widget, a quick-settings tile, or a floating action button over any app.
* **On-Device Receipt Scanning:** Point your camera at a receipt. Oneby2 automatically extracts the total, date, and merchant entirely offline—your photos never leave your phone.
* **Smart Notification Drafts:** Enable notification capture for selected banking apps. Oneby2 automatically drafts expenses directly from incoming bank SMS or push alerts for quick, one-tap confirmation.
* **Full Double-Entry Ledger:** Manage multiple accounts, customize categories, and drill down into detailed transaction histories.

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### **Smart Budgets & Financial Planning**

* **Rollover Budgets:** Unspent money carries forward to the next month instead of disappearing, keeping your actual purchasing power accurate.
* **Mutual Fund & NAV Tracking:** Track investment holdings against daily NAV data right alongside your liquid accounts.
* **Built-in Calculators:** Convert currencies instantly, calculate tips, or split complex living costs.

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### **Seamless Bill Splitting (No App Required for Friends)**

* **Flexible Splits:** Divide group expenses by exact amounts, shares, or a dedicated rent/stay calculator.
* **Private Share Links:** Send a secure link to friends so they can confirm or dispute their share. They **don't** need an account or the Oneby2 app, and links expire automatically for safety.

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### **Oneby2 Pro — Take Control Further**

The core features of Oneby2 are completely free without artificial limits. For power users seeking maximum depth, **Oneby2 Pro** unlocks:

* Unlimited accounts, budgets, and recurring automation rules
* Multi-currency support (3+ currencies simultaneously)
* Credit card billing cycle management
* Net worth tracking & customizable savings goals
* Detailed period reporting, PDF statements, and due-date reminders

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### **Your Data, Always Portable**

You are never locked in. Export your complete transaction history to CSV at any time, for free.

**Take back ownership of your money and your privacy. Download Oneby2 today.**