On your phone
Transactions, budgets, goals and reminders are stored on your device. Export a local backup whenever you like.
Expense tracker · Budget planner · Money Map
See what's safe to spend, before payday.
Every expense, budget, bill and goal in one calm, private place. Finance Universe forecasts your cash to the end of the month, so you always know what's left.
- Data stays on your phone
- No bank login
- Encrypted backups
Built to a higher standard
28Currencies
174Countries
0Bank logins
256Bit AES
The tour
Your money, beautifully mapped.
Five tabs: spending, plans, bills, the month ahead and the friends you share with. Scroll through the app the way you'll use it.
-
Your whole month, at a glance.
Net this month, income and spending, the next bill and what's safe to spend, the moment you open the app.
- Choose and reorder the cards you see
- Pick a month once and every tab follows
- Separate ledgers for each currency
-
Every expense, in its place.
Add income and expenses in seconds. Smart categorization learns how you sort things.
- Turn bank SMS alerts into expenses, the latest three free
- See how you paid: cash, card or bank
- Search, filter and a financial calendar
-
Plan the month. Reach the goal.
Budgets fill as you spend, and every goal shows what it needs each month. The whole Planner is free.
- Category budgets with live progress
- Savings goals with pace and history
- Set when salary arrives and which month it funds
-
Bills that never surprise you.
Reminders at the time you choose, and every recurring payment tracked cycle by cycle.
- Reminders with your own tone
- Rent, EMIs and subscriptions tracked each month
- Upcoming bills on a home-screen widget
-
See tomorrow's money today.
A live forecast of your cash to the end of the month, built from your bills, budgets and payday.
- What is safe to spend today
- A day-by-day cash runway to payday
- Payday Plan, Purchase Check and debt tools
-
Spend on what matters most.
Every expense sorted into needs, wants and impulse, against a target split you set.
- Your split at a glance, month by month
- Reclassify in one tap; rules you control
- Targets like 60·30·10, or your own
-
Share bills with friends.
Trips, flats and dinners: everyone sees the same bills and who owes whom.
- Shared circles that stay in sync
- Settle up in one tap
- Payment requests by UPI, PayPal, Venmo and more
-
Yours, and only yours.
Your ledger lives on your phone. Glance at it from your home screen, back it up when you choose.
- Data stays on your device
- Encrypted backups to your Google Drive (Premium)
- Home-screen widgets for a quick look
Stored on
AES-256-GCM encrypted backups
this phone
Money Map · Purchase Check
Ask before you buy.
Money Map keeps a day-by-day runway of your cash until payday: your balance, minus the bills and budgets still to come, above a safety buffer you set. Try a purchase and watch the month answer.
Safe to Spend
Cash runway
Purchase Check
Payday Plan
What-if
Debt calculator
Example month. In the app, Money Map uses your own balance, bills, budgets and payday.
Safe to spend today
$442.51
Headroom after
$192.51
Lowest point
$342 · 30 Nov
Payday
30 Nov
VM-BANK · 10:02Your one-time password is 482913. Do not share it with anyone.OTP · skipped
AD-BANK · 10:14Card ending 4821 was charged $18.40 at WHOLE FOODS MARKET on 14 Nov.
Maya · 10:20Still on for dinner tonight?Personal · skipped
GroceriesDraft from bank alert
−$18.40
Date14 Nov
Paid byCard
HabitNeed
Added after you confirmed
Bank alerts
Your bank texts. You stay in charge.
With your permission, Finance Universe reads recent bank debit alerts on your phone and drafts the expense. OTPs and personal messages are skipped. Nothing is added until you confirm it.
The latest three supported bank alerts are free. No bank login, and no connection to your bank account.
Private by design
A finance app that keeps to itself.
No account is needed to start. There's nothing to link and no developer server holding your transactions.
No bank login
Bank alerts are read on your phone, only with your consent. You confirm every expense before it's saved.
Encrypted backups
Backups are encrypted on your phone with AES-256-GCM, then stored in a private app folder in your own Google Drive.
You choose what's shared
Only the bills you add to a Shared Circle leave your phone, and only for the people in it.
Everything else
The small tools that save real money.
Subscription Radar
Finds the charges that repeat and warns you when a price goes up.
Card Cycles
Statement and due dates for every credit card, the soonest payment first, and the best card to use today.
What-if
Stack changes and see your cash ahead. Nothing is saved to your records.
Debt calculator
The full EMI and loan payoff schedule, and the interest an extra payment saves.
Currency ledgers
Keep each currency's records apart. Switching never converts your amounts.
₹ INR$ USD€ EUR£ GBP¥ JPYCA$A$+21 more
Home-screen widgets
Quick-add an expense, check upcoming bills and see the month without opening the app.
Income timing
Salary credited at month-end can fund next month's budget. The real credit date stays as it was.
Payment requests
Ask a friend to settle up with a link or QR code.
UPIPayPalVenmoCash AppRevolutWiseMonzo
Membership
Generous for free. Brilliant with Premium.
The tracker, budgets, goals and bill reminders are free, with no time limit. Premium adds the tools that look ahead.
Essential
Free
Everything you need to run your month, with no time limit and no card.
$0foreverFree features stay free.
- Expense and income tracking with category charts
- The full Planner: budgets, savings goals and income timing
- Recurring payments and bill reminders
- Your latest three bank alerts, reviewed on your phone
- Currency ledgers, Dashboard and home-screen widgets
- Local backups and backup recovery
Premium
The whole universe
Forecasts, habits, shared bills and encrypted cloud backups, on top of everything free.
$9.99per yearAbout $0.83 a month, billed yearly
Money Map
Safe to SpendCash runwayPayday PlanPurchase CheckWhat-ifCard CyclesSubscription RadarDebt calculator
Habits
Needs · Wants · ImpulseCustom RulesWeekly reviews
Also included
Shared CirclesPayment requestsPDF reportsUnlimited receipt scansEncrypted Google Drive backups
No ads. Renews automatically; cancel anytime in Google Play, which shows the final price for your country before you pay. Not ready to subscribe? Open Money Map or Habits free for 15 minutes after an optional short video, up to three times a day.
First Flight 300Now boarding
Three years of Premium, for our first 300 finishers.
Join First Flight and Premium is yours free for 90 days, straight away. Use the app for at least two minutes a day on 60 different days within those 90 days. The first 300 people to complete it each receive three years of Premium, and everyone who completes on the same day as the 300th finisher is included too.
90DAYSPremium free from day one
60DAYSTwo minutes a day
3YEARSEach, for the first 300 to finish
Questions
Good to know.
Is Finance Universe free?
Yes. Tracking, budgets, savings goals, bill reminders, recurring payments, currency ledgers and widgets are free with no time limit. Premium adds Money Map, spending habits, Shared Circles, PDF reports, unlimited receipt scans and encrypted Google Drive backups.
Do I have to connect my bank?
No. Finance Universe never asks for a bank login. You can add transactions yourself, or allow it to read bank debit alerts on your phone and confirm each suggested expense.
Where is my data stored?
On your phone. Backups are optional: export a local file, or connect Google Drive for encrypted backups stored in a private app folder in your own Drive. Bills you put in a Shared Circle are shared with that circle's members. The privacy policy has every detail.
What does "safe to spend" mean?
It's the cash you can use today and still cover every bill and budget until payday, with your safety buffer left over. Money Map works it out from your balance, upcoming bills, budgets and expected pay, and updates it as you spend.
Which currencies does it support?
28 currencies for your ledgers, including INR, USD, EUR, GBP, JPY, CAD, AUD and CHF, each kept in its own ledger. Shared Circles can also track trip currencies such as AED, SGD and THB.
Is there an iPhone app?
It's on the way. An iPhone version is in development, and we're working to bring Finance Universe to other major platforms too. Today it's available for Android on Google Play.
How do I cancel Premium?
Open Google Play, tap your profile, then Payments & subscriptions, then Subscriptions, and choose Finance Universe. Your records stay on your phone after Premium ends.
How do I delete my data?
In the app, open Settings and choose Clear Selected Financial Data, or uninstall the app. Cloud backups, receipt-scan records and other optional data have their own steps on the data deletion page. You can also email archer.supportdesk@gmail.com.
Begin
Your month, finally in focus.
Add your first expense, set one budget and see what's safe to spend. It takes about a minute.
Get it onGoogle Play Freefor Android
Scan to installPoint your Android phone's camera here