Expenses Meet is a fast, offline-first personal finance manager, group bill splitter, and loan tracker built with total privacy in mind.

Start logging your daily expenses instantly with ZERO sign-up required. When you want to collaborate with friends, log in to create shared groups, split bills, track personal loans, and enjoy seamless background cloud sync.

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✨ WHY CHOOSE EXPENSES MEET?
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⚡ INSTANT ONBOARDING — NO LOGIN REQUIRED
• Start tracking personal income and expenses immediately after downloading.
• No forced registration, passwords, or phone numbers needed for personal record-keeping.

🔒 PRIVACY & SECURITY FIRST
• App Lock: Secure your entire financial history with a custom PIN lock.
• Hide & Show Balance: Conceal sensitive amounts in public and unlock balance visibility with your PIN to prevent shoulder surfing.

📡 100% OFFLINE-FIRST WITH AUTO-SYNC
• Add personal transactions, split group bills, or log loans even without an internet connection.
• As soon as your device reconnects, all records sync automatically to the cloud.

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📊 3-IN-1 CORE FEATURES
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1️⃣ PERSONAL EXPENSE & INCOME TRACKER (Works without Login)
• Quick Entry: Log expenses and income in seconds with custom categories and clean icons.
• Visual Insights: Clear monthly balance summaries and category charts help you understand your spending habits.
• Total Control: Your personal data stays safely on your device until you choose to sync.

2️⃣ GROUP BILL SPLITTING & SETTLEMENTS (Requires Account)
• Group Ledgers: Create groups for roommates, shared apartments, travel trips, dining out, or events.
• Flexible Splitting: Split bills equally or assign custom exact amounts to each member.
• Smart Balance Calculations: Instantly see "who owes whom" and eliminate awkward money conversations.
• Settle Up Easily: Record partial or full repayments to keep group balances accurate.

3️⃣ PERSONAL LOAN & DEBT MANAGER (BORROW & LEND)
• 1-on-1 Debt Ledger: Record money lent to friends or borrowed from colleagues.
• Due Tracking: Keep a clean history of receivables (money you are owed) and payables (money you owe).
• Repayment Logs: Mark debts as settled with transparent transaction logs.

4️⃣ MODERN, SECURE & CONNECTED
• Seamless Cloud Backup: Access your shared groups and loans across multiple devices.
• Dark & Light Modes: Clutter-free, modern interface designed for comfort day and night.
• Smart Notifications: Receive real-time alerts when group members add expenses or settlements.

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🎯 PERFECT FOR:
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• Privacy Seekers: Keep balances hidden in public spaces with PIN protection.
• Roommates: Split rent, groceries, electricity, and WiFi bills without messy spreadsheets.
• Travelers & Friends: Manage group vacation expenses offline during flights or remote trips.
• Daily Budgeters: Track personal cash flow without annoying sign-up walls.
• Freelancers & Lenders: Keep a clear log of small personal loans and repayments.

Say goodbye to manual calculations, forgotten debts, and complicated finance apps. Download Expenses Meet today to track, split, and settle up your finances with ease!

Note: Expenses Meet is designed for personal record-keeping and expense management and does not provide banking, lending, or professional financial services.