Applications
shrwd.
A personal finance app that tracks spending against monthly budgets and keeps every figure on your phone. No account, no server, no bank login.
v1.1.3-beta.3Private betaAndroid
// All screenshots use demo data
- Platform
- AndroidiOS after a later testing phase
- Built with
- React Native, Expo, SQLite and Zustand
- Your data
- Stays on the phoneBank CSV import, local SQLite
- Status
- Private betav1.1.3-beta.3, through the beta site
Why it exists
Budgets without
a bank login.
I wanted a quick way to track daily spending against fixed monthly budgets. The apps I tried were either crowded with ads or wanted a live link to my bank, and I wasn't comfortable with either. Shrwd works from an imported statement, and nothing leaves the phone.
Instant, and offline
Every read and write goes to a local SQLite database, so screens open immediately and the app works without a signal.
One state, kept in step
Zustand holds what is on screen and stays matched to the database, including through recurring-payment calculations.
No copy to fall back on
With no sign-up and no server, there is no remote copy of your data. Backup, restore and duplicate cleanup all live in the app.
The core calculation
Safe to Spend.
After what's due.
Rent, subscriptions and the car payment are still in your account today, but they leave before the month ends. Shrwd subtracts everything still due and puts what's left at the top of the screen.
safeToSpend = netWorth − unpaidCommitmentsThe hard part is the inputs: spotting which payments repeat in an imported statement, knowing which have already gone out this month, and staying accurate whether you open the app on the 1st or the 31st.
Interface states
The card in
three moods.
Some months go better than others. Amber arrives while there are still a couple of hundred pounds left, early enough to change course.
Committed payments come to more than the cash on hand. The figure goes negative and the card turns red.
Everything is covered, but only just. Amber shows well above zero, so there is still room to react.
The month is covered and the card stays neutral.
In practice
Icons, categories
and corrections.
Make it look like your money
Recurring items carry an icon and a colour. Known names are matched automatically, so Netflix and the gym arrive looking right, and anything else can be set from thirty icons and ten colours.
Fixing a wrong category
Imported statements guess at categories and sometimes guess wrong. Tap a transaction to edit it, and the new category can apply to every transaction from that merchant in one go.
Following a number back
Each category opens into its own breakdown: the merchants behind the total, the change on last month, and every transaction underneath.
Product tour
A walk
through the app.
// Planner
// Income
// This month
// By category
// History
// Your data
Known limits
Where it
goes next.
PDF statements
In the worksCSV import is being opened up so any bank's export can be mapped in. Some banks only give statements as PDFs, so reading those directly is in the works too.
Distribution
Android onlyThe Android build ships as an APK through the beta site. iOS waits on a later testing phase.
See the
builds.
The beta site carries the full release history and the Android APK. Guest access opens the version history; the download is held back for testers.
Guest password: GUEST-2026
