An on-device personal finance and treasury ledger designed from first principles for user privacy, double-entry mathematical reconciliation, and offline autonomy. Track multi-bank accounts, credit card liabilities, statement imports, and EMIs in a 256-bit encrypted local vault.
Most modern finance apps upload your banking passwords, SMS narrations, and spending habits to multi-tenant cloud servers. Money Plus was designed around three foundational principles.
Your core ledger records reside in your Android device's private application storage. The application does not require a remote account, central ledger server, or behavioral data broker to operate.
Every rupee is accounted for. Card bill payments, internal bank-to-bank transfers, and Fixed Deposit bookings maintain net-zero balance integrity without falsely inflating monthly expenses.
Full offline functionality for core bookkeeping, statement imports, and ledger analysis. The app decrypts and runs queries against its local SQLCipher database without needing cellular or Wi-Fi connectivity.
Every feature in Money Plus is built directly into the on-device engine and verified through exhaustive regression test suites.
Organize Savings, Current, and Cash wallets in one cohesive ledger. Track opening balances, real-time liquid reserves, and internal liquidity movements.
Track statement generation dates, payment due deadlines, and total portfolio credit limits. Differentiate normal outstanding from unbilled EMI principal blocks.
Import bank and credit card statements in CSV and Excel formats. The engine matches 12-digit UTRs and RRNs to prevent duplicate records upon re-upload.
Imported records and notification captures are placed into a pending review queue. No transactions are posted without your explicit review and confirmation.
Log fixed deposits, interest yields, compounding frequencies, and maturity dates. Booking an FD transfers capital without triggering an expense.
View genuine spending distributions across custom categories. Gain insight into monthly cash deficits or savings velocity with responsive, high-contrast charts.
Explore high-fidelity views captured directly from verified local test environments. No hypothetical mockups or speculative interfaces.
Money Plus prioritizes an on-device architecture, storing data in Android app-private storage protected by SQLCipher page-level encryption and Android Keystore key management.
No Bank Scraping: Money Plus does not ask for or store your internet banking passwords. Statement imports provide verified ledger accounting without third-party credential exposure.
Regulatory Roadmap: Automated Account Aggregator (AA) linking is currently sequestered in a developer audit sandbox awaiting final RBI-compliant production certification. It is not advertised as live connectivity today.
How your data is protected on the physical Android hardware:
The master database encryption key is generated and managed via the Android Keystore system, backed by hardware TEE/StrongBox where supported by device hardware.
Every SQLite database page is encrypted on disk with 256-bit AES prior to physical disk writes via SQLCipher.
Sessions automatically pause upon app backgrounding or inactivity timeout, prompting for master password re-authentication before sensitive financial figures are displayed.
Compiled without third-party tracking pixels, marketing SDKs, or ad networks. Your ledger stays on your hardware.
Clear, direct answers regarding functionality, privacy boundaries, and offline operations.
Money Plus is currently in early feedback beta. We welcome bug reports, custom Indian bank/card statement parser requests, and cryptographic architecture feedback. For commercial or studio inquiries, reach our business desk separately.
