Homvo: Budget & Money Tracker

Take full control of your finances with Homvo — the private, offline-first budget app that keeps your money data on YOUR device. No servers, no tracking, no ads. Ever.

**Why Homvo?**

Unlike other budget apps that upload your financial data to the cloud, Homvo works 100% offline. Your transactions, budgets, and savings goals stay on your phone — private by design.

**ACCOUNTS & TRANSACTIONS**
- Manage multiple bank accounts, wallets, and cash
- Add transactions in under 5 seconds with smart defaults
- Recurring payments calendar — never miss a bill
- Subscription tracking to find and cut wasteful spending
- Multi-currency support (PLN, EUR, USD) with automatic exchange rates
- Tag transactions for flexible grouping and search

**BUDGETS THAT WORK**
- Create category-based or envelope budgets
- Visual progress bars show exactly where you stand
- Get alerts before you overspend
- Monthly, weekly, or custom budget periods

**SAVINGS GOALS**
- Set goals for vacations, emergency funds, or big purchases
- Track your progress with beautiful visual gauges
- Stay motivated with milestone tracking

**POWERFUL REPORTS**
- 5 chart types: donut, bar, line, grouped bar, savings rate
- Spending trends over time
- Category breakdowns that reveal your habits
- Income vs. expense analysis

**SMART CATEGORY MANAGEMENT**
- Pre-built categories to get started instantly
- Custom categories and subcategories
- Auto-categorization rules — Homvo learns your patterns

**DEBT TRACKER**
- Track money you owe and money owed to you
- Payment schedules and reminders

**PRIVACY & SECURITY**
- All data stored locally — zero cloud dependency
- PIN code and biometric (fingerprint/face) lock
- Privacy mode — hide balances when others are looking
- Optional encrypted backup to Google Drive

**BEAUTIFUL DESIGN**
- Handcrafted UI with warm amber and cool indigo tones
- Dark mode + AMOLED black for battery saving
- Clean, distraction-free interface
- Material 3 design language

**FREEMIUM — NO ADS**
- Core features are completely free
- No banner ads, no interstitials, no video ads — ever
- Pro unlocks: unlimited budgets & goals, advanced reports, cloud backup, custom themes

Download Homvo today and start your journey to financial clarity — privately, offline, on your terms.