Most late payments are not money problems — they are memory problems. You had the money, you just forgot the due date.

Budget Book is a 100% private, offline expense tracker, bill reminder, and personal budget planner designed to make everyday money management effortless. Set your repeating bills and income once, log daily spending in three taps, and see your real-time Safe to Spend balance without ever connecting to the internet.

No accounts. Zero ads. No subscriptions. Your financial records stay exclusively on your device.

NEVER MISS A BILL — SMART BILL REMINDER & ORGANIZER
• Track recurring bills and repeating income on any schedule: daily, weekly, monthly, bi-monthly, quarterly, semi-annually, or yearly.
• Built for real-world household bills: rent, mortgage, electricity, water, gas, internet, school fees, subscriptions, and loan payments.
• Variable amount support for utility bills that change every month.
• "Coming Up" radar surfaces upcoming bills on your Home screen up to 14 days before their due date.
• Timely local notifications remind you on your schedule — post a paid bill in a single tap or skip a cycle anytime.

5 INTERACTIVE HOME SCREEN WIDGETS
Monitor your personal finance and cashflow without opening the app:
• Safe to Spend Widget (2x1, 2x2): Live free cash remaining this month after upcoming bills.
• Up Next Bills Widget (3x2, 4x2): Scrollable list of due bills with instant 1-tap Post buttons.
• Savings Goal Tracker (2x2, 3x2): Visual progress bars and monthly pace indicators toward your targets.
• Balance Snapshot (2x1, 4x2): Real-time net balance across all cash wallets and bank accounts.
• Quick Log Widget (1x1, 2x1): Instant home screen buttons for Money In (+) and Money Out (−).

SIMPLE DAILY EXPENSE TRACKER & MULTI-ACCOUNT LEDGER
• Jargon-free money manager: Clear "Money In" and "Money Out" buttons replace confusing accounting tables.
• Built-in calculator inside the amount field lets you total receipts on the spot.
• Multi-account cash book: Manage separate cash wallets, bank accounts, credit cards, and savings in one ledger.
• Instant account transfers with optional transfer fee logging.
• Overdraft protection warns you before an expense exceeds your wallet balance.
• Savings goals with target dates, progress bars, and automatic monthly contribution pace calculations.

VISUAL SPENDING REPORTS & STATEMENT EXPORTS
• Category insights: Ranked expense breakdown with visual percentage bars so you know exactly where your money went.
• 6-month cashflow trends: Compare monthly income, expenses, net savings, and savings rate at a glance.
• Fast search & filters: Filter your transaction history by category, account, date range, or money flow.
• Printable HTML/PDF financial statements and full CSV spreadsheet exports for Excel or Google Sheets.

100% OFFLINE & PRIVATE BY DESIGN — ZERO INTERNET PERMISSION
Budget Book ships without the Android INTERNET permission in its code. It is physically incapable of connecting to any server.
• No sign-up, no cloud sync, no analytics, and no hidden data trackers.
• Protected by a 4-digit PIN lock screen (PBKDF2-SHA256 security).
• Full local Backup & Restore: Save JSON backup files directly to your device's Downloads folder or share them to your own storage whenever you choose.

BUILT FOR EVERY GENERATION & SCREEN
• 100% Free Forever: No ads, no paywalls, no in-app purchases, and no expiring trials.
• WCAG AAA high-contrast Light Mode and true OLED Dark Mode.
• Large Text Mode for effortless readability across phones, 7-inch tablets, 10-inch tablets, and foldables.