# Exp Note: Expense Tracker

> Exp Note is a free, offline-first expense tracker and budget planner for Android. Log income, expenses and transfers in seconds, organize spending with custom categories, and set monthly budgets that show what's left before you overspend. Track multiple accounts, recurring bills and subscriptions, debts and savings goals, and understand your habits with visual analytics and charts. Search your whole history instantly, lock the app with biometrics or a PIN, and export your data as CSV or JSON. Your financial data stays on your device with no account required. Free with ads; optional one-time Premium removes them. Built by Black & White Studio.

**Download on Google Play:** https://play.google.com/store/apps/details?id=com.bnw.expnote&pcampaignid=web_share
**Android package:** `com.bnw.expnote`
**Price:** Free with ads (optional one-time "Premium / Remove Ads" purchase)
**Category:** Finance

## What it is

Exp Note gives you one clear, private picture of your money. Add income, expenses and transfers with categories, accounts, merchants, tags and attachments. Create overall, category or account budgets with live progress and overspending warnings. Keep every account — cash, mobile banking, bank, savings and credit cards — with real balances, and stay ahead of bills, subscriptions, debts and savings goals. Clean Material 3 dashboards and charts break down spending by category and over time. Your data is stored on your device; the app is offline-first and requires no account.

Tagline: "Simple. Smart. Secure."

## Core features

- **Income, expense & transfer tracking** — log any transaction in seconds with categories, accounts, merchants, tags and attachments.
- **Budgets that stick** — overall, category or account budgets with live progress and overspending warnings.
- **Multiple accounts** — cash, mobile banking, bank, savings and credit cards with real balances.
- **Analytics & charts** — spending by category and over time, savings rate, top merchant, daily and monthly averages.
- **Bills & subscriptions** — recurring items with reminders so late fees and renewals never surprise you.
- **Debt & loan tracking** — money you owe or are owed, with partial payments and payment history.
- **Savings goals** — set a target and track progress with days remaining.
- **Instant global search** — search the whole history by amount, category, merchant, tag or account.
- **Private & backed up** — biometric or PIN lock, CSV & JSON export/backup and restore, multi-currency, dark & light themes.

## Why choose Exp Note

A fast, private, offline-first way to manage everyday money without an account or cloud sync. Budgets, accounts, bills, debts, subscriptions, savings goals and analytics in one clean Material 3 app — with your data on your device and a one-time Premium to remove ads (no subscription).

## Perfect for

- Everyday expense tracking
- Monthly budgeting
- Managing multiple accounts and cards
- Paying down debt and loans
- Saving toward a goal
- Keeping bills and subscriptions under control

## Get started in seconds

1. Install Exp Note from Google Play — no account or sign-up.
2. Add your income and expenses with a tap.
3. Set budgets and savings goals to stay on track.
4. Watch analytics reveal where your money goes, and export a CSV or JSON backup any time.

## Privacy & security

Exp Note is offline-first. Your transactions, budgets, accounts and history are stored on your device, with no account and no cloud sync by the app. You can lock the app with biometrics or a PIN and export or delete your data at any time. The app is free with ads served by Google AdMob (which may use the advertising identifier), and an optional one-time Premium purchase — handled by Google Play Billing — removes ads. Because ads require a network connection, the app is described as "offline-first" rather than "100% offline".
- Privacy policy: https://blacknwhitestudio.com/expnote/privacy.html
- Terms: https://blacknwhitestudio.com/expnote/terms.html

## About the maker

Black & White Studio builds premium, offline-first and privacy-respecting Android apps that solve real, everyday problems.
- Website: https://blacknwhitestudio.com
- Products: https://blacknwhitestudio.com/products/