ExpenseTracker: Budget Manager

ExpenseTracker keeps everyday money clear without accounts, ads, analytics, or network access. Start each ledger with its real opening balance, then record income, expenses, and transfers with balances that stay meaningful. • REAL ACCOUNT BALANCES - Opening balance, income, expenses, transfer-outs, and transfer-ins all update each ledger's balance. • CROSS-CURRENCY TRANSFERS - Enter the source amount and the amount received so both ledger balances remain accurate without pretending to provide live exchange rates. • PLANNING ON HOME - Open budgets, recurring bills, and savings goals directly from one compact planning row. • RECURRING BILLS - Add rent or subscriptions once; opening or refreshing the app records due periods, including missed periods, against your custom monthly cycle. • FLEXIBLE BUDGETS - Track a total budget and category budgets that carry forward until changed, with a configurable local alert threshold. • INCOME & EXPENSE INSIGHTS - Switch between Week, Month, and Year for totals, previous-period change, trends, distributions, category rankings, a current-calendar-month heatmap, and a six-month income-versus-expense view. • SAVINGS GOALS - Track deposits, withdrawals, progress, and optional deadlines in the currency captured when the goal is created. • APP LOCK - Set a 4-digit passcode. On supported devices, Face ID or Touch ID is attempted on the lock screen with the passcode available as fallback; the app switcher is covered while locked. • SHAREABLE REPORTS - Generate weekly, monthly, and annual report images through the iOS Share Sheet. Also included: amount expressions such as 12.5+3, recent-entry shortcuts, undo for list deletions, custom categories, six currencies, a custom monthly reporting start day, CSV import/export, JSON backup/restore, four accent colors, Light/Dark appearance, and 10 interface languages. Siri Shortcuts are available on iOS 16+ when App Lock is disabled. If App Lock is enabled, both Siri intents refuse to read or write financial data. The App stores records locally and does not upload them. You can export or share files and reports. Depending on your device settings, iOS may also include app data in iCloud or computer backups.