Sarfy - Budget & Money Manager

Track expenses, manage budgets, set goals & never miss a bill. 100% offline.

Sarfy is your all-in-one personal finance companion that makes money management simple and private.

Whether you want to track daily expenses, plan a budget, save toward a goal, or never miss a bill payment again, Sarfy has you covered — all without needing an internet connection or sharing your data with anyone.

EXPENSE & INCOME TRACKING
- Add transactions quickly with a single tap
- Organize by categories (Food, Transport, Shopping, and more)
- View detailed transaction history with filters
- Support for multiple accounts (Cash, Bank, Credit Card, E-Wallet, Savings, Investment)

SMART BUDGETING
- Three budgeting styles to match how you think about money:
- Zero-Based: Every rupee has a job
- Envelope: Allocate fixed amounts to categories
- Spending Plan: Set overall spending limits
- Track budget vs. actual spending in real time

BILL REMINDERS
- Add recurring bills with due dates
- Get notified before bills are due so you never miss a payment
- Mark bills as paid directly from notifications
- Calendar view to see your upcoming payment schedule

SUBSCRIPTIONS TRACKER
- Keep track of all your recurring subscriptions
- See total monthly/yearly subscription cost at a glance

SAVINGS GOALS
- Set goals like "Emergency Fund" or "New Phone"
- Track progress with visual indicators
- Stay motivated by seeing how close you are

DEBT TRACKING
- Track money you owe or money owed to you
- Keep a clear record of payments made

ISLAMIC FINANCE
- Zakat Calculator: Calculate your Zakat obligation based on current nisab values
- Sadaqah Tracker: Record and track your charitable giving

FINANCIAL CALCULATORS
- EMI Calculator: Plan loan repayments
- Savings Goal Calculator: How much to save monthly to reach your target
- Retirement Calculator: Plan for your future

REPORTS & INSIGHTS
- Visual charts showing where your money goes
- Income vs. Expense breakdown
- Category-wise spending analysis
- Safe-to-Spend forecast to help you plan ahead

HOME SCREEN WIDGETS
- Balance Widget: See your account balance without opening the app
- Upcoming Bills Widget: Know what's due next at a glance

BACKUP & RESTORE
- Back up your data locally or to Google Drive
- Restore anytime on the same or a new device

PRIVACY FIRST
- All data is stored locally on your device
- No ads, no tracking, no data collection
- No account or sign-up required
- Works 100% offline (internet only used for currency exchange rates)

BEAUTIFUL DESIGN
- Clean, modern interface with warm colors
- Dark mode support
- Smooth animations throughout

Sarfy respects your privacy. Your financial data belongs to you and stays on your device.

Start your journey to better money management today!