Reach - Pocket CFO

Track expenses, budget smarter, and reach your financial goals — 100% offline.

Reach is a beautifully designed personal finance app that puts you in complete control of your money — without ever sending your data to the cloud.

Whether you want to track daily spending, stick to a budget, save for a goal, or pay off debt, Reach gives you the tools to do it all from one app. Your financial data stays on your device, encrypted and private.

**ADD TRANSACTIONS IN SECONDS**
Reach makes logging expenses effortless with three smart input methods:

- Voice Entry — Say "I spent $45 at Starbucks" and Reach creates the transaction instantly using on-device speech recognition. Your audio never leaves your phone.
- Text Entry — Type naturally. Reach understands dates, amounts, merchants, and categories from free-form text.
- Receipt Scan — Point your camera at a receipt and Reach reads the total, merchant, and date automatically.

**MANAGE MULTIPLE ACCOUNTS**
Track checking, savings, credit cards, cash, investments, and loans — all in one place. See balances at a glance, filter transactions by account, and monitor transfers between them.

**BUDGET WITH PURPOSE**
Create monthly budgets with category-level spending caps. Track progress with visual indicators and get a clear picture of where your money goes. Categorize spending as Needs vs. Wants to build healthier habits.

**SET SAVINGS GOALS**
Define what you're saving for, set a target amount and deadline, and watch your progress grow. Reach celebrates milestones at 25%, 50%, 75%, and 100% to keep you motivated.

**CRUSH YOUR DEBT**
Add your debts with balances and interest rates, then compare payoff strategies side by side. Choose the Snowball method (smallest balance first) or Avalanche method (highest interest first) and see projected payoff dates and total interest costs.

**SEE THE FUTURE**
The cashflow projection shows your past 30 days of spending alongside a 30-day forward projection. Combined with upcoming recurring transactions, you'll always know what's ahead.

**STAY ON TOP OF BILLS**
Set up recurring transactions for subscriptions, rent, paychecks, and more. Get reminders before bills are due so nothing slips through the cracks.

**POWERFUL TRANSACTION TOOLS**
- Full transaction ledger with calendar and list views
- Search and filter by category, merchant, or date
- Split transactions with friends (even, custom, or percentage)
- Bulk edit and delete
- Custom categories with icons and colors
- Hierarchical sub-categories for detailed tracking

**DASHBOARD YOU CONTROL**
Your home screen shows what matters to you. Drag to reorder sections, hide what you don't need, and see your balances, spending breakdown, budgets, goals, and debts at a glance.

**IMPORT & EXPORT**
Bring in transactions from your bank via CSV with smart column mapping and duplicate detection. Export your data anytime — it's yours.

**BACKUP & RESTORE**
Create full encrypted backups and restore them whenever you need. Never worry about losing your financial history.

**YOUR DATA, YOUR DEVICE**
Reach is offline-first by design. All data is stored locally with AES-256 encryption. No accounts to create, no cloud sync, no tracking, no ads. Your finances are nobody's business but yours.

**BEAUTIFULLY CRAFTED**
A premium design system with light and dark themes, smooth animations, and an interface that feels right at home on Android. Reach doesn't just work well — it looks and feels great doing it.

**TRY BEFORE YOU COMMIT**
Toggle Demo Mode to explore every feature with sample data before entering your own.

Start your journey to better money management. Download Reach today.