Pendara is an expense tracker and budget planner built for real life — track daily spending, set budgets, manage money you've lent or borrowed, and see exactly where your money goes. Now with an AI assistant. No ads. No clutter. Works fully offline.

Most expense trackers stop at logging expenses. Pendara also handles what families and real households deal with: money lent to relatives, shared spending, multiple accounts, and separate books for home and business.

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NEW IN PENDARA

🤖 AI ASSISTANT
Ask about your money in plain words — "how much did I spend on groceries this month?" — and add entries by chat. Understands English and Urdu.

🧾 SCAN RECEIPTS & ADD BY VOICE
Snap a receipt or just say what you spent. Pendara fills in the amount, category and account for you to confirm.

🕌 ZAKAT CALCULATOR
Work out your Zakat from your own accounts and assets, using live gold and silver rates.

📱 HOME-SCREEN WIDGETS & TASK REMINDERS
Add an expense or check your tasks straight from your Android home screen.

☰ NEW SIDE MENU WITH FAVORITES
Pin the screens you use most and reach everything in one swipe.

✅ VERIFY BALANCES
Compare each account with your bank or wallet and fix any difference in a tap.

✨ SMOOTHER DASHBOARD
Your net worth rolls to its new value, with no reloads while you scroll.

⭐ PENDARA PRO
Optional Monthly and Yearly plans unlock more AI assistant use. The free version keeps working.

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EVERYTHING YOU NEED

🤝 LOANS & DEBTS — WITH OVERDUE REMINDERS
Track every loan and debt, log repayments, see outstanding balances, and get notified the moment a loan becomes overdue. Perfect for lending between family and friends.

👨‍👩‍👧 FAMILY & HOUSEHOLD EXPENSES
Give each family member their own space, or tag any expense to a member. Split one payment between people with Shared Spend.

📴 WORKS OFFLINE
Log expenses anywhere — no internet needed. Everything syncs automatically when you're back online.

💰 EXPENSE & INCOME TRACKING
Record every transaction in seconds with categories, subcategories, tags and notes. Filter by date or category.

📊 SMART BUDGETS (MONTHLY, WEEKLY & BIWEEKLY)
Set limits per category with a custom start day. Pendara tracks real spending against each budget and alerts you before you overspend.

🏦 MULTIPLE ACCOUNTS
Manage cash, bank accounts, credit cards and investments side by side. Transfer between accounts with a full log.

📁 MULTIPLE LEDGERS (BOOKS)
Keep personal, business and household finances separate — each ledger has its own accounts, budgets and history.

🎯 SAVINGS GOALS & FUNDS
Set goals with targets and deadlines. Run collective Funds (a mosque, office or trip pool) with contributions, payouts and a running balance.

📈 POWERFUL REPORTS
Net worth (investments kept separate), savings rate, category breakdowns, 6-month trends and a daily spending heatmap. Export reports or statements to Excel or PDF, and import from Excel or CSV.

💸 SALARY & RECURRING
Log your salary and every raise, and let recurring transactions handle rent, salary and subscriptions.

🔒 PRIVATE & SECURE
Lock the app with fingerprint or face unlock. Your data syncs to your own private cloud with Google Sign-In and is never sold.

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FEATURES AT A GLANCE
✔ AI assistant: chat, receipt scan, voice entry
✔ Zakat calculator with live gold & silver rates
✔ Loan & debt tracking with overdue reminders
✔ Family / household member expense tracking
✔ No ads, ever
✔ Monthly, weekly & biweekly budgets with alerts
✔ Multiple accounts, transfers & Verify Balances
✔ Multiple ledgers (personal, business, household)
✔ Net worth, savings rate, trends & heatmap
✔ Excel / PDF export + Excel/CSV import
✔ Home-screen widgets & task reminders
✔ 10 currencies (PKR, USD, EUR, GBP, SAR, AED, INR, CAD, AUD, JPY)

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Your data syncs securely with Google Firebase and is only accessible by you. We do not sell your data.

Download Pendara and take control of your money.