Personal Smart Spend is a privacy-first personal finance app for tracking day-to-day money with structure, clarity, and control. It is designed for users who want strong budgeting and analytics features while keeping financial records local on the device by default.

With Personal Smart Spend, you can capture and review the full picture of your money in one place:

Log expenses with categories, notes, and date-based history
Add income records and track incoming cash sources
Record transfers and keep movement between balances organized
Manage recurring income and recurring expense schedules
Review complete records through timeline and filtered views
Customize categories for more accurate tracking
Planning tools help you stay consistent over time:

Set monthly budgets and monitor how close you are to limits
Enable budget alerts to get timely warnings
Create savings goals and track contribution progress
Use reminders for daily tracking and recurring entries
Follow trends with timeframe-based analytics and summaries
Use smart insights generated from your own local records
Reporting and portability features are built in:

Export data to CSV for personal analysis
Generate PDF reports for selected timeframes
Create backups and restore when needed
Use optional encrypted backup files with passphrase protection
Keep backup/export control in your hands with user-initiated file actions
Privacy and security are core design choices:

Local-first architecture for financial records
No automatic upload of your transaction data to our servers
App lock options with PIN and device-security/biometric support (where available)
Multiple local profiles so data can stay separated on one device
In-app privacy controls for analytics, crash reporting, and ad personalization preferences
Free and Premium:

The free version may show ads
Premium subscription removes ads
Premium helps support ongoing maintenance and future feature updates
Subscription purchases and renewals are handled by Google Play billing
Clear transparency commitments:

Personal Smart Spend is intended for tracking, organization, and planning
Smart insights are informational support based on available app data
The app is not financial, tax, accounting, legal, credit, or investment advice
Always validate important decisions with your own judgment and, when appropriate, a qualified professional
Permissions are requested only for features you choose to use, such as:

Notifications for reminders and alerts
Device security/biometric checks for app lock workflows
Media/file access for backup, restore, export, or share actions initiated by you
Network access for ads, consent workflows, analytics/crash services, and related connectivity
When enabled by your settings and consent choices, third-party services may process limited technical data (for example diagnostics, app performance, usage signals, and advertising identifiers) to support advertising, analytics, and stability improvements. This technical data is separate from your core financial records.

If you export or share files, those files are handled by the destination apps or services you select (such as email or cloud storage), and their policies apply.

Personal Smart Spend helps you build better money habits with practical tools: track consistently, review trends, manage budgets and goals, and keep your financial records local-first.