Expense Tracker: Income Manager is an offline-first personal-finance app for Android and iOS. It has no server, so there is no account to create, nothing uploaded and no bank to link — budgets, group splits, EMI tracking and the 30-day forecast all run on your phone. The free plan is free forever; Lifetime Pro is a one-time ₹699 rather than a subscription.
| What it is | Expense Tracker: Income Manager is a personal-finance app for Android and iOS that works entirely offline. There is no account, no cloud sync, no bank linking and no ads: every figure stays on the phone. |
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| Developer | Gurjeet Singh, trading as Sharpen Solutions, an independent developer who answers the support email personally |
| Platforms | Android and iOS |
| What it does | Expense and income tracking, budgets, insights and a calendar, group bill splits, loan and EMI tracking, savings goals, a 30-day cash-flow forecast and a financial health score |
| Free plan | Free forever: unlimited expense and income tracking, 2 category budgets, insights and calendar, 2 accounts, 1 goal, 1 split group, the SIP/EMI/FD calculators, local backup and JSON export. No ads on any plan |
| Lifetime Pro | ₹699 once, not a subscription: everything unlimited, the 30-day cash-flow forecaster, health score and runway audit, the SMS/UPI auto-parser, claims, reports and biometric lock |
| Annual Pro | ₹299 a year with a 14-day free trial, about ₹25 a month; a ₹29 monthly plan is also available |
| Billing | Processed by Google Play or the App Store. We never see your payment details |
| Privacy | No account, no cloud sync, no ads. Your transactions stay on the phone and the SMS parser never sends them anywhere; the app records anonymous usage statistics only |
| Free on this site | 123 money guides and 215 financial calculators, all free, none requiring a sign-in |
| Contact | support@expenseincomemanager.com |
Gurjeet Singh, trading as Sharpen Solutions. I built this after going through the permission screens of the popular expense trackers and finding that most wanted my bank credentials, an account on their server, or both — to solve a problem that is really just arithmetic on my own phone.
Offline-first was not a marketing angle. It was the shortest path to an app I was willing to put my own salary into. The same reasoning produced the rest of this site: 215 financial calculators and a library of money guides, all free, none of which ask you to sign in. If a tool can run without collecting anything, it should.
Feature requests reach me directly at support@expenseincomemanager.com. There is no support team in between.
Having no server means there is no cloud sync. If you lose the phone without taking a backup, the ledger is gone. The app writes a local backup file and exports JSON so you can keep your own copy, and that is deliberate: the alternative is holding your data on a machine you do not control. If automatic multi-device sync matters more to you than that, another app is the better choice, and I would rather say so here than have you find out later.
It never asks for bank credentials, a net-banking login or an account. There is no advertising on any plan. The app records anonymous usage statistics only (Google Analytics for Firebase; the privacy policy says exactly what). The SMS and UPI parser reads transaction messages on the device to save you typing them, and sends nothing anywhere.
The same hands build CoinPriceAlert, price alerts across crypto, stocks, gold and forex, and PropVid and My Property Pages for estate agents.
Writing about the app? The press kit has the fact sheet, boilerplate and screenshots.