Expense Tracker — User Manual

What this screen does

On launch you see a short branded splash (“Elegance in Every Transaction”) while the app prepares your data — it reports Preparing your dashboard, Syncing your transactions and Securing your data. Then the onboarding pager walks you through four intro pages before handing you to sign-in and profile setup.

The intro pages are: Track Expenses Easily, Secure & Private, Visual Analytics and Premium by Design, Private by Nature. They carry small stat cards (Secure Logging, Encrypted Mode, Growth Index, Accuracy, 100% Offline First, Full Control) that set expectations about how the app handles your money data.

What's on the screen

How to use it

1. Let the splash finish — it disappears as soon as your data is loaded.
2. Swipe through (or tap NEXT) to learn the four pillars of the app.
3. On the account page pick Continue with Google, an email method, or Continue as Guest.
4. Fill in Full Name, Gender and Date of Birth, then tap Get Started.
5. You land on Home. On later launches the splash and App Lock appear instead, and you go straight in.

What this screen does

Offers three ways in — Google, email/password, or staying as a guest — and enforces the legal agreement and email verification that come with an account. The screen also handles password resets and the inbox-verification loop.

What's on the screen

How to use it

1. Pick a method: Continue with Google for the fastest route, email/password for a standalone account, or Continue as Guest to stay offline.
2. If signing up with email, meet the password rules listed under the field and tick the Terms checkbox.
3. A verification email is sent. Open it and click the link, then return and press Check Verification Status.
4. You can keep using the app while unverified, but some account features wait for verification.

What this screen does

Guards your financial data behind a 4-digit PIN, optionally backed by your device's fingerprint or face unlock. The same screen is used to create a PIN the first time and to unlock afterwards, and it doubles as the recovery flow if you forget the PIN.

What's on the screen

How to use it

1. Turn App Lock on in Settings → Security & Privacy.
2. Choose a security question from the list and save an answer you will remember — this is your only self-service way back in.
3. Enter a 4-digit PIN, then confirm it.
4. From then on the app asks for the PIN (or your biometric) when you open it, following whatever Auto Lock Duration you chose.

What this screen does

Home pulls together today's spending, your savings goals, the bills coming up next, your most recent transactions, and a profile-progress checklist that nudges you to complete your account. It is also the launchpad to the calendar, the calculator and the detected-SMS inbox.

What's on the screen

How to use it

1. Glance at Spent Today to see where the day stands.
2. Check Upcoming Recurring if a bill is due; tap the row to manage it.
3. Confirm anything the app detected by tapping the bell and reviewing the cards.
4. Complete any open Profile Progress rows to finish setting up your account.
5. Tap a recent transaction to open it in the editor if you need to fix something.

What this screen does

When SMS detection is on, incoming financial messages are read locally and turned into suggestion cards here. Nothing is added to your ledger automatically — each card waits for you to review it in the transaction editor and press Add. Non-financial messages (OTP, promo, no amount) never appear.

What's on the screen

How to use it

1. Tap the bell on Home, or open a “Transaction Detected” notification.
2. Skim the cards and tap the ones that are real spends you haven't logged.
3. In the editor, fix the amount, category, payment method or note if the parse was off.
4. Press Add. The card leaves the inbox and the transaction joins your ledger.
5. Swipe away anything that isn't a real transaction.

What this screen does

It opens in one of two modes: Add for a new entry, and Edit when you tap an existing transaction (the title changes to “Edit Transaction” and a delete action appears). The same screen also carries the amount keypad, voice input, the itemized calculator hand-off, tags, funds, and the recurring/EMI planner.

What's on the screen

How to use it

1. Tap the centre + (or an existing transaction to edit it).
2. Choose Expense or Income.
3. Enter the amount — type it, dictate it, or build it up in the calculator.
4. Pick a Category, then a Payment Method (and a Fund if you use them).
5. Add a Note and Tags so the entry is findable later.
6. Adjust the Date/Time if you are logging something from earlier.
7. Optionally switch on Recurring Transaction to automate it.
8. Tap Add (or Update when editing).

What this screen does

Lists every transaction grouped by day, with running period summaries, and gives you the tools to find and act on any record: search, sort, multi-filter, duplicate, swipe-delete and bulk delete.

What's on the screen

How to use it

1. Reach it from See All on Home.
2. Use the period arrows to move through time.
3. Tap the search icon and type a note or amount to find something fast.
4. Open Sort & Filter when you need a precise slice — e.g. all card expenses above 1,000 in the last month.
5. Tap a card to edit it, swipe to delete it, or long-press to bulk-delete.

What this screen does

It is a calculator in two modes. Opened from Home it behaves as a normal calculator (mode NORMAL). Opened from the transaction editor it becomes an itemized breakdown (mode ITEMIZED) where each line item has a description and an amount. It keeps a history of past calculations you can copy from.

What's on the screen

How to use it

1. From the transaction editor, tap the calculator icon.
2. Add each line item with a description and amount.
3. Check the TOTAL AMOUNT.
4. Tap Apply to Note — the amount and the itemized note land in the transaction form.
5. Finish the transaction and press Add.

What this screen does

Summarises a chosen period — spending, income, savings and trends — then breaks the numbers down by category, payment mode, tag and fund. A “Spending Insights” section adds plain-language observations with a suggested saving. Free users see the headline numbers and can unlock the deeper lists individually.

What's on the screen

How to use it

1. Tap Analytics in the bottom bar.
2. Pick the period you care about — Week, Month, Year, or a Custom range.
3. Read the summary, then scroll to the breakdowns.
4. Tap any breakdown row to see the transactions behind the number.
5. Use See All on any section for the full ranked list.

What this screen does

The Budgets tab sets monthly caps per category and tracks spent/remaining/over. The Recurring tab tracks repeating transactions and EMI/installment plans, including paying or skipping individual installments. The Funds tab is covered separately in Funds.

What's on the screen — Budgets tab

What's on the screen — Recurring tab

How to use it — set a budget

1. Open Budget in the bottom bar and stay on the Budgets tab.
2. Tap ADD A BUDGET.
3. Give it an optional name and pick the categories to cap.
4. Set the Monthly limit and confirm.
5. Watch the card change colour as you approach the limit — alerts fire at 75%, 90%, 100% and when exceeded.

How to use it — track a bill or EMI

1. Switch to the Recurring tab and tap ADD RECURRING.
2. Choose the expense to repeat, then set its frequency (Daily/Weekly/Monthly/Yearly).
3. For a loan, choose EMI / Installments and enter Total Amount, Installment Amount, First Due Date and Total Installments.
4. Press Save. The transaction you started from becomes installment #1.
5. Return here to PAY, SKIP or UNDO installments as the months pass.

What this screen does

A fund tracks three numbers: Allocated (what you put in), Spent (what you drew from it) and Remaining (what's left). When you record an expense you can pick a fund, and that spend comes off the bucket instead of being mixed into your general money.

What's on the screen

How to use it

1. Open Budget → Funds tab → create a fund (for example, “Vacation”).
2. Set how much you are putting in and a start date.
3. When you add an expense that belongs to that fund, set its Fund field to it in Add Transaction.
4. Come back here to see Remaining fall as you spend.
5. Archive the fund when the trip is over to keep the list tidy.

What this screen does

Presents a month grid (and a year view) where each day shows what you spent, plus the income and expense totals for the month. Tapping a day reveals that day's transactions.

What's on the screen

How to use it

1. From Home, tap the Spent Today card.
2. Move month by month with the arrows, or jump straight to a date.
3. Tap any day to see what happened on it.
4. Switch to Year for a bird's-eye view of the year's activity.

What this screen does

Splits your goals into Active and Completed. Each goal tracks saved versus target, shows a percentage, and can carry a deadline that reports days left — or how long you are overdue.

What's on the screen

How to use it

1. Tap the My Goals card on Home, or open it from Settings.
2. Tap +, name the goal and set a target (e.g. “New Car”).
3. Optionally set a deadline so the app can nudge you if you fall behind.
4. Whenever you put money aside, open the goal and use Add Funds.
5. Watch the progress bar climb — the goal moves to Completed when it reaches 100%.

What this screen does

Groups the app's configuration into Account & Security, Membership, Preferences, System & Data and About. It also shows your member status at the top and, when you are signed out, a card that prompts you to sign in or register.

What's on the screen

How to use it

1. Tap Settings in the bottom bar (or the gear on Home).
2. Scroll the section headers to find the area you need.
3. Tap any row to open it; every sub-screen has a back arrow returning here.

What this screen does

Edits the profile that personalises the dashboard and feeds the completion checklist on Home. It is also where you verify or change your login email, which runs through a verification-link flow so a typo can never lock you out.

What's on the screen

How to use it

1. Tap your avatar on Home, or Edit Profile in Settings.
2. Update the fields you want to change.
3. To change your email, use Update Email, confirm the new address and your current password, then click the link in the verification email.
4. Tap Save Changes.

What this screen does

Controls how every amount, date and time is displayed across the app, and how the app looks. Getting the month start day right here makes budgets and analytics line up with your actual salary cycle.

What's on the screen

How to use it

1. Open Settings → App Preferences.
2. Set your Currency first — everything else formats around it.
3. Set Month starts on to your pay day if you budget by salary cycle.
4. Pick formats, language, theme and font to taste; changes apply immediately.

What this screen does

Lets you decide how hard it is for someone holding your phone to read your finances: when the app locks, whether your fingerprint works, whether the PIN layout is scrambled, and whether the app can be screenshotted or shown in the recents switcher.

What's on the screen

How to use it

1. Open Settings → Security & Privacy.
2. Turn on App Lock. Pick a security question and save an answer you'll remember.
3. Enter and confirm a 4-digit PIN.
4. Optionally enable Biometric, Scrambled Keypad, Blur In Recents and Block Screenshots.
5. Set Auto Lock Duration to suit how (and where) you use the app.

What this screen does

Two groups of toggles: one for each transaction card (the per-row detail) and one for the list (how rows are grouped and summarised). A live preview at the top reflects your choices instantly.

What's on the screen

How to use it

1. Open Settings → Customisation.
2. Watch the preview card as you toggle each option.
3. Turn off what you don't need — a compact card shows more transactions per screen.
4. Your choices apply everywhere cards appear: Home, Transactions, Calendar and Funds.

What this screen does

Lists every category and payment method with its icon, colour and transaction count, and lets you search, sort, recolour, delete and add. Categories group income and expense; payment methods describe how the money moved.

What's on the screen

How to use it

1. Open Settings → Manage Categories.
2. Use search to find an existing item quickly, or sort to review the list logically.
3. Tap a row to change its colour.
4. Tap + to add your own category or payment method.

What this screen does

A short form: choose what kind of item you are creating, name it, give it an icon and optionally a colour. It also guards against duplicate names within the same kind.

What's on the screen

How to use it

1. Open Manage Categories and tap +.
2. Pick the Category Type.
3. Type a unique name.
4. Search the icon grid and pick the icon that fits.
5. Optionally choose a colour, then tap Add Category.

What this screen does

A tag is an extra label on a transaction besides its category. Food and flights can stay different categories yet both carry the tag #vacation. This screen creates, renames, merges and deletes them, and shows how many transactions each one is on.

What's on the screen

How to use it

1. Create tags in Settings → Manage Tags, then apply them when you add a transaction.
2. To tidy up duplicates, select the tags and use Merge.
3. Rename when a tag's meaning narrows or widens.
4. Search a tag on Transactions, or see the Tags breakdown in Analytics.

What this screen does

Controls the timing and thresholds behind each notification type. If notifications are blocked at the system level, a banner appears at the top of this screen inviting you to allow them.

What's on the screen

How to use it

1. Open Settings → Notifications.
2. If the permission banner is showing, tap Allow (or open system settings).
3. Turn on the alerts you want and set their windows, thresholds and times.
4. Use Send test to verify delivery.
5. Mute individual recurring bills from the Recurring tab when needed.

What this screen does

Gives you portable copies of your data and the tools to bring them back. It also holds the account-deletion controls, each with a warning tailored to whether you are signed in, signed out or a guest.

What's on the screen

How to use it

1. Open Settings → Data Management.
2. Turn on Auto Backup and choose a frequency (e.g. every 3 days).
3. Before any big change, tap Export Data (JSON) and keep the file somewhere off-device.
4. To move to a new phone, install the app and use Import Data (JSON).

What this screen does

Syncs your transactions and settings across devices in real time, records when the last successful sync happened, and lists every device attached to your account so you can unlink one you no longer use.

What's on the screen

How to use it

1. Sign in, then open Settings → Cloud Sync & Devices.
2. Turn on Cloud Sync.
3. Install the app on your second device and sign in with the same account.
4. If something looks stale, tap Sync Now.
5. Remove old phones with Unlink.

What this screen does

Showing off a referral code and tracking its rewards. Each valid referral gives 4 days of Pro access to both sides, up to four rewards (16 days) per calendar month, resetting on the 1st. Your friend must complete at least one transaction after signing up for the referral to count.

What's on the screen

How to use it

1. Reach the screen from Home or Settings → Refer a Friend.
2. Copy your code or tap Share Invite Link and send it to a friend.
3. Your friend installs the app, registers, and enters your code (or uses your link).
4. They log at least one transaction — the referral then shows Counted.
5. Both of you gain 4 days of Pro. Repeat up to four times per month.
6. Got a code from someone else? Enter it under Have a Friend's Code?

What this screen does

A single message box that sends your thoughts to the team, with light rate-limiting to keep the channel usable.

What's on the screen

How to use it

1. Open Settings → About → Send Feedback.
2. Type your message.
3. Tap SUBMIT FEEDBACK and wait for the confirmation.

What this screen does

The last page of Settings, collecting everything that isn't a setting: what the app is, how to reach the team, the legal links, and how to rate it.

What's on the screen

How to use it

1. Open Settings → About.
2. Check the version number here when reporting a problem.
3. Use Send Feedback or Report Bug to reach the team.

What this screen does

Shows whether you are on the Free Plan, a Play Subscription, an Expense Tracker Pro pass, or an active Pro Pass — with the expiry or renewal date — and lists what Pro unlocks.

What's on the screen

How to use it

1. Open Settings → My Membership (or tap the status card at the top of Settings).
2. Check your plan and its expiry.
3. Use Manage Subscription to change or cancel a Play subscription.
4. If a purchase is missing on a new device, tap Restore Purchase.

What this screen does

Presents the 1 Month, 6 Months and 12 Months plans with the discount and savings on the longer terms, lists the benefits for the selected plan, and runs the Google Play purchase. It also appears from any locked feature — the paywall remembers where you came from and returns you there.

What's on the screen

How to use it

1. Open the paywall from any locked feature, or from Settings → My Membership.
2. Compare the three durations (the monthly-equivalent price makes this easy).
3. Select a plan and tap Subscribe.
4. Complete the Google Play purchase sheet.
5. Once confirmed you'll see the success sheet — tap Start using Pro.

What this screen does

Blocks the app until you update, protecting you from a version that would fail or behave unpredictably against the current backend.

What's on the screen

How to use it

1. Tap Update Now.
2. Install the update from the Play Store.
3. Reopen the app — your data is untouched by the update.

What this screen does

Replaces the app while the backend is being maintained, so you get a clear explanation instead of failing requests.

What's on the screen