Budget Plan is your next-generation personal finance and cash flow assistant that goes beyond simple expense logging by intelligently adjusting your payments according to public holidays and weekends.

Does your rent, loan installment, or subscription fall on a weekend or public holiday? Budget Plan’s smart shift engine automatically postpones payments to the next business day or pulls them to the previous working day, ensuring your cash flow and account balances always reflect reality.

✨ KEY FEATURES:

📅 Smart Holiday & Weekend Auto-Shift Engine:
• Built-in national and public holiday calendar.
• Set postponement rules: Automatically shift payments to the next business day or the preceding business day.
• Built-in Holiday Simulator: Preview future payment shift dates instantly.
• Add custom company or personal holidays.

💳 Recurring Plans & Installment Tracking:
• Flexible recurring expenses (rent, utilities, subscriptions, insurance).
• Installment tracker: Track remaining installments, total debt, and completion dates.
• Scheduled rate increase: Automatically apply periodic inflation/escalation rates (e.g. annual rent increases).
• Bank Loan Wizard: Automatically log loan inflows to your balance and generate corresponding repayment installments.

💼 Multi-Account & Wallet Management:
• Support for checking accounts, cash wallets, credit cards, and savings accounts.
• Investment & time-deposit accounts with monthly return rate and tax/withholding calculations.
• Inter-account transfers and balance reconciliation.

🔔 Audio Alarms & Customizable Reminders:
• Receive alerts on the due date, X days prior, or on the last business day before a holiday.
• Built-in chime sounds and notification preferences so you never miss a bill or loan deadline.

📊 Visual Financial Analytics & Reports:
• Category-based income and expense breakdown with intuitive charts.
• Plan-type distribution (loans, subscriptions, utilities, household).
• Comparison of actual transactions versus upcoming scheduled commitments.

🔒 100% Private, Offline-Ready & Secure:
• Offline-First architecture: Works completely without an active internet connection.
• Optional Google Drive cloud backup: Your financial data stays strictly inside your personal Google Drive account.
• Zero telemetry, no ads, and no selling of private financial data to third-party brokers.
• One-click JSON backup export and restore anytime.

Take full control of your financial future, eliminate late payment penalties, and master your cash flow with Budget Plan. Download today!