I've been trying different expense trackers recently, and one thing that keeps bothering me is how much financial information some of them want access to.
Bank accounts, SMS transactions, UPI payments, spending patterns, income, investments, etc.
I understand why automatic tracking is convenient, but I'm curious:
Would you prefer an expense tracker that works completely offline, even if that means giving up some automation?
For me, the ideal expense tracker would have:
No mandatory account/sign-up
No financial data stored on a company's servers
Works without internet
Multiple bank/cash/UPI accounts
Expense + income tracking
Budgets and savings goals
Loans/EMIs
Net worth tracking
Ability to track money I've lent/borrowed
Optional transaction automation that happens locally on the phone
I've actually been working on an app called Klera around this idea.
It's an offline-first personal finance app for Android in Flutter, and the main idea is that your financial data stays on your device rather than being uploaded to a cloud account.
If anyone wants to take a look:
https://kleraapp.com/
I'm more interested in feedback than promotion at this stage.
What matters more to you in an expense tracker?
Privacy
Automatic transaction detection
Simplicity
Detailed financial reports
Budgeting/investment tracking
Cloud Sync
And if you already use an app, what's the one thing you wish it did better?
