v2.0.2 Production Release • 100% Local-First

Your personal finance,
organized intelligently.

A privacy-first personal finance app designed to give you a complete picture of your money — without requiring your financial data to live on someone else's server.

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100% Offline-First SQLCipher 256-Bit AES Zero Remote Telemetry 0% Double-Counting
Product Introduction

What is FinLedger?

FinLedger is a modern, account-based personal finance management application engineered for Android. It is built to resolve the fundamental inaccuracies, privacy compromises, and double-counting errors prevalent in conventional finance apps.

Financial Clarity

Instantly distinguishes liquid spendable cash from long-term illiquid assets, preventing dangerous overspending driven by false net worth illusions.

Zero Double-Counting

Credit card purchases create liabilities; card bill payments settle liabilities via transfers. Your expenses are never counted twice.

100% Privacy-First

Your financial data never touches a remote company server. All database operations execute locally inside SQLCipher 256-bit encrypted storage.

Offline-First Design

FinLedger does not require internet connectivity or account creation. The application is completely operational off-grid or in airplane mode.

Smart Categorization

Learns merchant-to-category associations with deterministic confidence thresholds. Zero hallucinations, zero telemetry, full manual control.

Unified Financial Picture

Manage cash, bank accounts, UPI, credit cards, investments, personal debts (lending/borrowing), and shared group expenses in one cohesive ledger.

Double-Entry Foundation

Built Around Financial Correctness

FinLedger treats accounting integrity as paramount. Every transaction flows through a central authoritative posting engine that enforces mathematical invariants across all accounts.

Available Money = Cash + Banks - CC Due

Spendable Liquidity

Your bank balance is not your spendable money if you owe ₹30,000 on a credit card. FinLedger subtracts outstanding credit liabilities in real-time so you never accidentally overspend.

True Solvency Invariant
Net Worth = All Assets - All Liabilities

Comprehensive Net Worth

Combines liquid balances, investment portfolios (stocks, mutual funds, gold, crypto), and fixed deposits while subtracting active liabilities and debts owed to other people.

Holistic Wealth Invariant
Purchases ≠ Duplicate Bank Debits

Zero Double-Counting

When you buy something on credit card, an expense is recorded and credit liability increases. When you pay your credit card bill, it is processed as a balance transfer that clears the liability.

Liability Settlement Law
Account A → Account B = Net 0 Expense

Internal Transfers

Withdrawing cash from an ATM or moving money between your savings accounts is a balance repositioning, not income or expense. Reports never count transfers as operational spending.

Zero-Sum Transfer Law
Lending = Asset Receivable

Debt Balance-Sheet Logic

Lending money to a friend moves funds into a receivable asset; getting repaid returns it to your bank. Repayments do not artificially inflate your operational monthly income.

Receivable / Payable Invariant
SCAN → REPAIR → RECALCULATE → VERIFY

Audit & Reconciliation Engine

Includes an automated 6-phase reconciliation engine that verifies account balances from opening balances + confirmed postings, resolving any data drift without data loss.

Deterministic Audit Loop

Interactive Financial Health Calculator

Test how FinLedger calculates your true available spendable money vs total net worth in real time.

₹
₹
₹
₹
Available Spendable Money
₹38,000
(Cash ₹5k + Bank ₹45k) − CC Due ₹12k
Total Net Worth
₹1,58,000
(Liquid ₹50k + Investments ₹120k) − CC Due ₹12k
Production Capabilities

Engineered for Complete Financial Control

Every feature below is implemented in FinLedger's verified production codebase, backed by 52 automated test suites.

Core

Transaction Management

Full CRUD operations with zero-lag swipe navigation across Daily Ledgers, Monthly Summaries, and Yearly Matrix views.

Accounts

Accounts & Multi-Currency

Separate Cash, Bank, UPI, Credit Cards, and FDs. Dedicated Credit Card hub with 30% utilization warning and 1-tap pay flow.

Automated

Local SMS Transaction Capture

100% on-device regex parsing for Indian/global banks and UPI apps. Batch inbox scanner with mandatory user confirmation gate.

Smart

Smart Auto-Categorization

Learns merchant-to-category mappings deterministically with 70%+ confidence scoring. No cloud AI dependencies or hallucinated data.

Discipline

Budgets & Alerts

Set weekly/monthly category spending limits with background threshold notifications triggered at 50%, 75%, 90%, and 100% consumption.

Debts

Lending & Borrowing

Track money lent to others and borrowed. Itemized partial repayments, balance sheet receivable/payable tracking, and settlement history.

Groups

Split & Group Expenses

Manage shared bills with Equal, Exact, Percentage, and Shares methods while keeping your sovereign personal ledger separate.

Wealth

Investment Portfolio

Track stocks, mutual funds, crypto, gold, and real estate holdings with unit cost basis, current valuations, and unrealized P&L.

Planning

Financial Goals

Target savings goals with deadlines, priorities, required periodic saving calculations, and linked bank account milestones.

Smart

Subscriptions Hub

Automatic pattern detector identifying periodic subscription candidates with estimated annual cost and 1-tap conversion.

Reports

Visual Reports & Analytics

Monthly Cash Flow bar chart, Expense Breakdown donut chart, and long-term Net Worth trend curves derived from the authoritative ledger.

Automation

Recurring Transactions

Automated schedules across daily, weekly, monthly, and yearly intervals with idempotent WorkManager background execution.

Rules

Transaction Processing Rules

Custom IF-THEN rules: automate category assignments, tags, and notes based on merchant patterns and account triggers.

Storage

Receipts & Document Storage

Private app storage, SHA-256 byte-level hash verification, Room attachment metadata, and verified backup packaging.

Auditing

Reconciliation & Audit Engine

Detect bank statement discrepancies, generate adjustment entries, and run safe whole-app recalculations with zero data loss.

Security

Encrypted Backup & Drive Sync

Password-protected local .finbak export/import with SHA-256 validation plus optional user-controlled Google Drive AppData cloud sync.

Shared Finance

Split & Group Expenses

Share group dinners, trips, and household costs without losing the accuracy of your personal ledger. FinLedger keeps your sovereign personal accounting strictly separated from group allocations.

Sovereign Personal Accounting Meets Group Sharing

When you pay a ₹2,400 bill for 4 people, other apps either record a false ₹2,400 expense or require messy manual workarounds. FinLedger automatically separates your ₹600 personal consumption from the ₹1,800 you are owed by others.

Multiple Split Methods Equally, Exact Amounts, Percentages, and Shares/Weights with rounding protection.
Multiple Payers Supported Any group member can contribute any amount towards a shared bill.
Integrated Settlement Tracking Record partial or complete member settlements to bring group balances back to zero.
Zero-Sum Conservation Reconciliation engine mathematically verifies that all member shares sum to net zero.

Architecture Note: Split operates local-first on your device. Multi-user cloud synchronization is part of our future distributed sync roadmap.

🍽️ Team Dinner Bill
Equal Split
Total Bill
₹2,400
Your Share
₹600
You Paid
₹2,400
You Are Owed
₹1,800
Itemized Member Shares:
Absolute Sovereignty

Your Finances Should Belong to You

Most personal finance apps require you to upload your sensitive bank statements and transaction history to proprietary cloud databases. FinLedger takes the exact opposite approach.

SQLCipher 256-Bit AES

Your entire Room database is encrypted at rest using industry-standard SQLCipher 256-bit AES-CBC encryption. Raw database files cannot be inspected even on rooted devices.

Hardware KeyStore Protection

Master encryption keys are generated inside the Android KeyStore (hardware-backed TEE / StrongBox), ensuring cryptographic keys are physically isolated from application memory.

Biometric & Salted PBKDF2

Protected by Android BiometricPrompt API (Fingerprint / Face ID) with Salted PBKDF2 (50,000 iterations, 16-byte cryptographically random salt) PIN fallback and auto-lock on app background.

Zero Remote Telemetry

FinLedger does not contain Google Firebase Analytics, Meta SDKs, crash report collectors, or advertising tracking libraries. Production builds strip all diagnostic logs via ProGuard.

Sandboxed Google Drive Sync

Cloud backup is 100% optional and sandboxed within your personal Google Drive drive.appdata hidden folder. Backups are encrypted locally before transmission; FinLedger maintains no cloud servers.

Full Export & Deletion Rights

Export RFC-4180 compliant CSVs or professional formatted PDF statements anytime. A 1-tap database wipe in Settings purges all financial records, keys, and cached data immediately.

Architecture In Action

How FinLedger Works

From automated on-device ingestion to cryptographic protection, here is how financial data flows through FinLedger.

01

Capture

Transactions enter manually via modern quick-entry forms, batch SMS inbox scans, or universal CSV statement imports.

02

Organize

Deterministic merchant rules, auto-categorization engines, custom tags, and account types classify the transaction safely.

03

Calculate

Authoritative LedgerEngine posts double-entry updates, computing spendable liquidity and net worth without double-counting.

04

Understand

Interactive budgets, cash flow charts, net worth trends, and subscriptions hub reveal long-term financial patterns.

05

Protect

All data stays sealed within SQLCipher 256-bit AES database with optional encrypted backup to your private Google Drive.

The FinLedger Difference

Why Choose FinLedger?

Engineered for users who refuse to trade financial data privacy for convenience.

True Privacy vs Cloud Harvesting

Conventional apps monetize your transaction history by harvesting spending data. FinLedger runs 100% on your device with zero corporate server access.

True Spendable Money

Never be misled by raw account totals. FinLedger factors in outstanding credit liabilities to give you the exact amount of cash you can spend today.

Zero Double-Counting

Credit card bill payments are handled as transfers that settle outstanding debt, ensuring your monthly expenses are never falsely multiplied.

Full Offline Autonomy

No network connection required. Record transactions, inspect budgets, review lending balances, and calculate split costs seamlessly anywhere in the world.

Comprehensive Financial Tools

Consolidates cash, banks, UPI, credit cards, investments, personal debts, and shared group bills into one single, high-performance application.

No Ads, No Upselling

FinLedger is a focused financial utility. No credit card application solicitations, no personal loan advertisements, and zero pop-up upsells.

Evolution & Baseline

Current Status & Product Roadmap

FinLedger is actively maintained and rigorously engineered. Here is our transparent breakdown of verified capabilities vs. planned releases.

FinLedger v2.0.2 (Build 8)

Production Stable 52 Test Suites Passing
Android 9.0 – 16 (API 28–36) Room v18 • 21 Entities
Transaction Engine & Multi-Periods
Credit Card Hub & 1-Tap Pay Flow
SMS Ingestion & Confirmation Gate
Budgets with Threshold Alerts
Lending & Borrowing Debt Tracker
Split Expenses (4 Split Methods)
Investment Portfolio & P&L
SQLCipher 256-Bit & KeyStore
6-Phase Reconciliation Engine

Current Release

v2.0.2 Stable
Authoritative Ledger Engine Zero double-counting, Available Money, and Net Worth invariants verified.
SMS Detection & Batch Scanner On-device regex parsing for Indian banks & UPI apps with mandatory review gate.
Reconciliation Engine Automated 6-phase scan, balance recalculation, and member zero-sum audits.
Local .finbak & Drive Sync Encrypted local SAF backups and sandboxed Google Drive AppData sync.

Planned Scope

v2.1 – v2.2
UI Receipt Picker Integration Surface existing file compression & SHA-256 storage engine into Add Transaction UI.
Advanced Receipt OCR On-device optical character recognition to extract total, date, and merchant automatically.
Multi-Device Journal Sync Monotonic revision tracking and 3-way conflict resolver for multi-device sync.
Tax & ITR Preparation Reports Automated categorization of 80C investments, health deductions, and capital gains.

Future / Exploring

v3.0+ Future
Multi-User Split Sync Requires dedicated distributed CRDT/sync architecture. Currently local-first.
What-If Financial Simulator Deterministic forward projections for loan prepayments and investment timelines.
Web Companion Client Encrypted web client connecting to user-owned Google Drive sandboxed storage.
Engineering Foundation

Built with Modern Android Standards

FinLedger is constructed using pure modern Kotlin and official Android Jetpack architecture components.

Kotlin 2.0
JVM 17 Language Core
Jetpack Compose
Material 3 Modern UI
Room Database
Schema v18 (21 Entities)
SQLCipher 4.6.1
256-Bit AES Encryption
Dagger Hilt 2.52
Dependency Injection
WorkManager 2.9.0
Background Scheduling
Android KeyStore
Hardware StrongBox TEE
BiometricPrompt
Fingerprint / Face ID
Drive REST v3
drive.appdata Sandboxed
PdfDocument
Native Client-Side PDF
Project Creator

Built by Devanshu

FinLedger is developed as an independent, privacy-first personal finance platform focused on accounting precision and local data sovereignty.

DP

Devanshu Patil

Lead Architect & Android Engineer

Architect and developer of FinLedger. Passionate about local-first software architecture, double-entry financial correctness, and building high-performance Android applications that respect user privacy without requiring surveillance backends.

GitHub Profile FinLedger Repository Email Contact
Frequently Asked Questions

Everything You Need to Know

Clear, honest answers regarding FinLedger's capabilities, privacy model, and accounting principles.

FinLedger is a local-first personal finance management application for Android. It organizes transactions, bank accounts, credit cards, UPI, budgets, lending/borrowing, and shared group bills while enforcing double-entry mathematical correctness and complete on-device privacy.
Yes. FinLedger does not require an active internet connection, user registration, or cloud sign-in. All financial records, balance calculations, categorization rules, and reports run entirely on your device.
Your data is stored exclusively in your device's private internal storage inside an Android Room SQLite database encrypted with SQLCipher (256-bit AES-CBC). Master encryption keys are protected inside the hardware-backed Android KeyStore.
No. FinLedger operates without any proprietary server, database, or analytics backend. There is no remote entity that can inspect, monetize, or lose your financial data.
Google Drive backup is strictly optional and user-authorized. It uses the Google Drive REST API v3 scoped narrowly to the sandboxed drive.appdata folder. The backup archive is encrypted on your device prior to upload, meaning even Google Drive cannot read your plain ledger contents.
When you make a credit card purchase, FinLedger records an expense and creates a credit liability, without reducing your bank balance. When you pay your credit card bill from your bank, FinLedger records an internal liability-settlement transfer. This ensures your operational expenses are recorded exactly once.
Yes. FinLedger features a dedicated Split module supporting Equal, Exact amount, Percentage, and Share-based splits with multiple payers. Crucially, it isolates your personal share from the receivable amount owed by others so your individual budget remains accurate.
Yes. The Lending & Borrowing debt hub tracks money you have lent out (receivables) and money you have borrowed (payables). You can record itemized partial repayments over time and track overdue balances without distorting your income reports.
SMS parsing runs 100% on-device using local regular expression patterns tailored to major Indian banks (SBI, HDFC, ICICI, Axis, etc.) and UPI apps. Zero raw SMS content is ever uploaded. Furthermore, newly detected transactions are placed in an Unresolved Queue requiring your explicit confirmation before being posted.
Yes. You can track stocks, mutual funds, cryptocurrencies, physical gold, and real estate. FinLedger computes total invested capital, current valuations, and unrealized profit/loss while keeping investment valuation separate from monthly cash-flow figures.
Yes. FinLedger includes RFC-4180 compliant CSV export, client-side PDF financial statement generation with itemized tables, and a smart universal CSV importer with column mapping, pre-import safety snapshots, and 1-tap rollback.
FinLedger is completely free to use without subscriptions, paywalls, or advertising trackers. You can install it directly from the Google Play Store or download the production APK from our official GitHub Releases.

Take Control of Your Personal Finances

Experience financial clarity, double-entry accuracy, and complete privacy on Android. No subscriptions, no cloud databases, no compromises.

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