MonoBudget

MonoBudget is a modern, privacy-first personal finance and budgeting solution designed to give users complete sovereignty over their financial data. Operating 100% offline with on-device SQLite storage, MonoBudget combines daily expense & income tracking, event-based group budgeting, automated recurring bills, loan management, and an advanced suite of 5 financial calculators — all wrapped in an elegant Nordic-inspired adaptive interface.

🌟 Key Features & Capabilities

📊 Dashboard & Financial Analytics

Visual Overview: Real-time summary of monthly totals, income vs. expenses, net balance, and day-by-day cash flow graphs.
Spending Breakdowns: Categorized spending insights and distribution charts highlighting top expenses.

💰 Income & Expense Management

Transaction Logging: Fast, intuitive entry for incomes and expenses with category and source attribution.
Advanced Filtering & Search: Filter by date ranges, categories, sources, or associated groups with instant balance recalculations.

📂 Groups & Events Budgeting

Project & Event Organization: Group expenses and income streams under dedicated containers (e.g., Weddings, Vacations, Home Renovations, Freelance Client Gigs).
Target Budget Tracking: Set budget thresholds per group with live visual progress bars, percentage indicators, and remaining balance metrics.
Dedicated PDF Statements: Generate high-resolution PDF statements for any group with category breakdowns and itemized chronological logs.

🔁 Recurring Transactions Engine

Automated Schedules: Set up recurring income (salaries, dividends) or recurring expenses (subscriptions, rent, utility bills) on daily, weekly, monthly, or yearly schedules.
Flexible Execution: Manage, pause, or execute scheduled transactions with history tracking.

🤝 Loans & Debts Management

Lent & Borrowed Records: Track money lent to friends/family or borrowed funds with due dates and interest terms.
Partial Repayments: Log installments and partial payments with live remaining balance calculation and settlement status.

🧮 Comprehensive Financial Calculators Suite

Built-in financial calculation engines powered by mathjs with standalone PDF export:

EMI Calculator: Monthly loan payments, total interest, and complete yearly/monthly amortization schedules.
Loan Eligibility Calculator: Assess maximum affordable borrowing capacity based on FOIR (Fixed Obligation to Income Ratio).
Loan Prepayment Calculator: Simulate tenure reductions and interest savings through lump-sum or recurring prepayments.
SIP Calculator: Forecast wealth accumulation and compounding returns from systematic mutual fund investments.
FD / RD Calculator: Compute returns on Fixed and Recurring Deposits with multiple compounding frequencies.

📤 Professional Reports & Document Export

PDF & Excel Reports: Export clean financial statements, group reports, and calculation schedules as professional PDF documents or Excel spreadsheets.
Native Sharing: Instant file sharing via WhatsApp, Email, AirDrop, Google Drive, or printer.

💾 100% Offline Local Backup & Restore

Privacy First Data Portability: Export encrypted or plain JSON database snapshots to local storage.
Disaster Recovery & Migration: One-tap restore directly from the Settings menu or from the public Auth screen.
Universal Public Access: Access the Financial Calculators suite and Backup Restore utility directly without logging in.

🌍 Global Localization & Multi-Currency

14 Languages Supported: Full UI localization in English, Hindi (हिन्दी), Tamil (தமிழ்), Simplified Chinese (简体中文), Spanish, French, German, Italian, Danish, Icelandic, Luxembourgish, Malay, Norwegian, and Romansh.
Multi-Currency: Switch between global currencies anytime.

🛠️ Technology Stack

Framework: React Native / Expo (SDK 57, React 19)
Navigation: Expo Router (File-based routing)
Database: Local SQLite via Drizzle ORM
Authentication: Local In-App Auth (SQLite + SHA-256 via expo-crypto)
Math Engine: mathjs optimized build
State Management: Zustand
Internationalization: i18next & react-i18next (14 languages)
PDF & Sharing: expo-print, expo-file-system, expo-sharing, expo-document-picker
Design & Typography: @expo-google-fonts/manrope, @expo-google-fonts/inter
Supported Platforms: Android (Google Play Store) & iOS