Your money.
Entirely private.
A fast, zero-knowledge personal budget tracker. Log transactions instantly, scan receipts offline with on-device OCR, and back up securely to your personal Google Drive or iCloud.
No signups. No logins.
Your data never touches our servers.
Traditional finance applications monetize your data or store your account details on centralized servers vulnerable to breaches. Gratis operates completely offline on your device, with optional direct synchronization to your personal Google Drive or Apple iCloud.
No email verification, passwords, or KYC. Launch the app and your budget is immediately active.
Backups sync directly between your device and your personal cloud. We never act as an intermediary.
All reads and writes run against local SQLite storage on your phone. No network lag, ever.
Export your full transaction history anytime to open spreadsheet and JSON formats.
Snap, parse, and categorize receipts in seconds.
Take a quick photo of any physical receipt. Gratis automatically detects the merchant name, transaction date, line items, and total amount—processed 100% on your device without sending sensitive photos to third-party APIs.
On-Device Neural OCR
Fast optical character recognition runs natively on your phone's processor with no internet connection required.
Tax & Business Expense Ready
Archive receipt snapshots and export clean summary reports to simplify deduction claims during tax season.
Smart Auto-Categorization
Learns your common vendors to automatically assign receipts to business, groceries, utilities, or personal budgets.
Clear debt payoff strategies and credit recovery tools.
Take systematic control of outstanding liabilities. Map out custom debt payoff milestones, calculate exact interest savings with extra contributions, and access structured negotiation templates.
Amortization & Payoff Projections
Compare Snowball vs. Avalanche payoff strategies to see exact debt-free dates and lifetime interest saved.
Dispute & Settlement Letter Builder
Generate professionally drafted debt validation requests, pay-for-delete letters, and credit reporting corrections.
Engineered for absolute privacy and speed.
Every detail is crafted to give you complete command over your personal finances.
Paycheck-Cadence Budgeting
Structure your cash allocation around how you actually get paid—whether weekly, bi-weekly, semi-monthly, or on irregular schedules.
Instant Privacy Mask
Mask account balances and transactions with a single tap, keeping your numbers private when checking finances in public spaces.
Biometric App Vault
Lock your budget behind native Face ID, Touch ID, or fingerprint authentication using secure on-device cryptographic enclaves.
Visual Cashflow Telemetry
Clean, intuitive charts reveal burn rate, category breakdowns, and monthly net balance trends without cluttered complexity.
Interactive Bill Calendar
Track due dates on a clean timeline. Reconcile recurring payments, avoid late fees, and preview upcoming obligations before paydays.
Sovereign Data Export
Retain complete ownership of your historical records. Export your full ledger anytime to CSV, Excel, or raw JSON formats.
Take full ownership of your financial records.
Experience a fast, private personal finance tool engineered without subscriptions, intrusive data tracking, or cloud lock-in.