Master Your Money – Offline, Secure, and Smart **Take full control of your finances, credit score, and savings with the ultimate offline personal finance app.** From budgeting and debt payoff to credit score simulation and financial education, this all-in-one finance app empowers you to thrive — without needing internet, signups, or APIs. Whether you're managing expenses, simulating a FICO score, setting financial goals, or learning about credit, this app gives you all the tools you need — securely stored. Mock Credit Score Simulator * Simulate a real FICO-like credit score. * Manually input debts, income, missed payments, utilization ratio. * See how actions impact your score. * Track score changes over time with progress graphs. * Build healthy credit habits and simulate approval odds. Smart Budgeting & Expense Tracker * Offline budget planner for daily, weekly, and monthly tracking. * Add income, expenses, and categories. * Visual charts and summaries of spending. * Set limits, track cash flow, and build discipline. Keywords budget planner, money management, budget app offline, smart money app, daily expense manager, family budgeting, personal finance app, finance tracker, zero based budget, budget tips Debt Payoff & Loan Calculator * Snowball & avalanche methods to crush debt. * Input interest rates, payment schedules. * Track payoff date, interest saved, and progress. Keywords: debt payoff planner, debt tracker, loan payoff calculator, student loan planner, pay off credit cards, monthly loan tracker, debt free journey, interest calculator, repay debt Savings Goal Tracker * Set savings goals (e.g., emergency fund, vacation). * Visual progress bars and completion date estimates. * Weekly/monthly challenges like 52-week savings. Keywords: savings goal tracker, save money planner, savings jar app, saving challenge tracker, emergency fund, money saving tips, offline savings tracker, daily savings tracker Offline Money Tools * Loan calculators, amortization, minimum payment estimator. * Net worth tracker with assets and liabilities. * Spending habit tracker and PDF credit report exporter. Keywords: loan calculator, net worth calculator, finance calculator, financial tools, monthly payment calculator, spending tracker, money analyzer Mindful Finance & Motivation * Daily financial affirmations and quotes. * Personal finance journal to reflect and track mindset. * Customize with dark mode and color themes. Goal Tracker, Badges & Challenges * Set goals like “save \$500” or “boost credit to 700.” * Break into milestones and track progress. * Earn badges for completing goals, streaks. **100% Offline, Secure & Private** * No sign-up. No internet. No data tracking. * Store all data locally (SQLite, MMKV, AsyncStorage). * Optional PIN/biometric for document vault. # Tools & Features Summary * Credit score simulator * Budget planner & tracker * Expense manager * Debt payoff tools * Savings goal tracker * Credit card and loan comparison (manual/affiliate) * Finance challenges (52-week, no-spend) * Financial affirmations * PDF credit report export * Push notifications for reminders & tips * Theme customization + dark mode * Full offline functionality Who Is This For? Perfect for beginners, side hustlers, college students, families, or anyone ready to master money the smart way — **without giving up privacy or relying on third-party APIs.** Best for: **personal finance app, credit score simulator, offline money manager, debt payoff, budget tracker, savings app, financial literacy, expense manager, money education, credit tips**
