AI-Powered Personal Finance & Expense Tracker
Track income, expenses, budgets, investments, savings, loans and net worth in one intelligent personal finance app — backed by 100% offline-first SQLite persistence and client-side AES-256 encryption.
Activity Feed (Sample)
Sample"Your 6-month emergency goal jar is 92% complete. Based on current cash flow, you can safely invest ₹12,500 more into mutual funds this month."
Client Encryption
AES-256 GCM encryption before local SQLite or cloud storage
Secure Architecture
PostgreSQL Row-Level Security (RLS) tenant protection
Offline-First Ready
Full local SQLite database logging without internet connection
Biometric Lock
Fingerprint & FaceID device locking with screen masking
One platform. Every part of your financial life.
Explore how AavakJavak structures personal finance, wealth growth, debt payoff strategy, and AI intelligence into four harmonious modules.
Personal Finance
Master your daily cash flow, recurring bills, emergency goal jars, and budget limits with automated merchant categorization.
- Income & Expense Tracking
- Smart Budget Allocations
- Goal Jars with Target Dates
- Recurring Bills & Subscriptions
- Financial Timeline Feed
Your finances. Simplified.
Transform raw transactions into actionable financial clarity in three effortless steps.
Connect & Log
Import statements, log manual cash entries, or scan paper receipts instantly with camera OCR.
Understand & Analyze
Watch AavakJavak auto-tag transactions, compute net worth, and visualize timeline feeds.
Optimize & Grow
Use AI conversational guidance, hit emergency goal targets, and accelerate debt payoff.
See your money clearly.
See where your money goes, what is changing and where you can improve with real-time budget controls and goal jars.
Smart Income & Expense Heatmaps
Automatically classify transactions by category (Food, Utilities, Travel, Shopping). View spending velocity and spot budget overruns before the month ends.
Goal Jars with Target Completion Dates
Lock funds away into dedicated digital jars for vacations, health insurance premiums, or emergency cushions. Track target progress with real-time completion percentages.
Ask your finances anything.
Query your spending patterns, analyze investment returns, and receive proactive budget recommendations in natural language. Powered by secure client-side indexing.
You spent ₹8,420 on dining last month across 12 transactions.
Unified Wealth & Portfolio Management.
Consolidate investments, mutual funds, gold, fixed deposits, and real estate into one real-time net worth calculation.
Multi-Asset Allocation
Track equity mutual funds, direct stocks, digital gold, and PPF allocations with real-time valuation updates.
Net Worth Growth Trajectory
Subtract liabilities, home loans, and car EMIs from total assets to calculate your true net worth milestone.
Financial Health Score
Automated evaluation of emergency fund ratio, debt-to-income ratio, and savings coverage.
Organized for financial precision.
Every feature is built into a cohesive, modular architecture divided into four functional categories.
Personal Finance Modules
Wealth & Portfolio Modules
Security built into the foundation.
Your financial data is protected by industry-standard client-side encryption and PostgreSQL row-level isolation.
AES-256 GCM Client Encryption
All sensitive data is encrypted client-side on your phone. In the Free Core tier, all data remains 100% on-device in local SQLite.
PostgreSQL Tenant Isolation
In paid sync tiers, data is encrypted before upload. Strict Row Level Security (RLS) ensures zero unauthorized cross-user access.
Offline-First Architecture
Local SQLite database storage allows full financial logging offline without requiring active internet connectivity.
Biometric & PIN Lock
Device-level biometric authentication (Fingerprint, FaceID, App PIN) protects document vaults and transaction histories.
Simple, honest plans for your financial growth
Choose between Core (100% Free Offline Engine), Smart (Cloud Sync & OCR), and Wealth (Elite AI Financial Forensics & Debt Payoff).
AavakJavak Core
Default 100% offline personal finance engine for individuals and students.
- Unlimited Transactions & Offline SQLite DB
- 5 AI Copilot Queries / day
- 3 Camera OCR Receipt Scans / month
- 5 Encrypted Document Vault Capacity
- 3 Active Subscriptions & 2 Savings Goals
- 10 Budget Categories & 5 Custom Categories
- Basic Loan Overview & EMI Calculations
- Multi-Tier Native Device Reminders
- Biometric Fingerprint & PIN Lock
- Ad-Supported Experience
AavakJavak Smart
Encrypted cloud backup, enhanced AI copilot, OCR receipt scanner & ad-free experience.
- Everything in Core Included
- Encrypted Cloud Backup (Up to 2 Devices)
- 30 AI Copilot Queries / day
- 15 Camera OCR Receipt Scans / month
- 25 Encrypted Document Vault Capacity
- 10 Active Subscriptions & 5 Savings Goals
- 30 Budget Categories & 20 Custom Categories
- Full Loan & EMI Amortization Breakdown Table
- Advanced Monthly Financial Reports & CSV Export
- Smart Spending Alerts & 2 Forecasts / month
- 100% Ad-Free Clean Experience
AavakJavak Wealth
Unrestricted AI audits, debt payoff simulator, 5 synced devices & deep forensic exports.
- Everything in Smart Included
- Multi-Device Cloud Sync (Up to 5 Devices)
- 100 AI Copilot Queries / day
- 40 Camera OCR Receipt Scans / month
- 100 Encrypted Document Vault Capacity
- 25 Active Subscriptions & 15 Savings Goals
- 75 Budget Categories & 50 Custom Categories
- Debt Payoff Simulator (10 simulations / month)
- Full Loan Amortization & Advanced Analysis
- 10 Spending Forecasts / month
- Historical Health Score & Trend Analysis
- Advanced CSV & Multi-format Deep Export
- 100% Ad-Free Clean Experience
Detailed Feature & Quota Comparison
Compare exact daily AI limits, OCR capacities, and vault quotas side by side.
| Feature / Entitlement | AavakJavak Core (Free) | AavakJavak Smart (₹199) | AavakJavak Wealth (₹349) |
|---|---|---|---|
| Core Finance & Quotas | |||
| Expense & Income Transaction Ledger | Unlimited | Unlimited | Unlimited |
| Local Offline SQLite Database Engine | 100% Offline | Offline + Cloud | Offline + Cloud |
| Active Subscriptions Tracked | 3 Subscriptions | 10 Subscriptions | 25 Subscriptions |
| Savings Goals & Jars | 2 Goals | 5 Goals | 15 Goals |
| Budget Categories Allocation | 10 Categories | 30 Categories | 75 Categories |
| Custom Categories Creation | 5 Categories | 20 Categories | 50 Categories |
| Multi-Currency Forex Tracking (25+ Currencies) | Basic | Included | Advanced Live |
| AI Copilot & OCR Intelligence | |||
| AI Financial Assistant Queries | 5 queries / day | 30 queries / day | 100 queries / day |
| Camera OCR Receipt & Bill Scanner | 3 scans / month | 15 scans / month | 40 scans / month |
| AI Spending Forecasts & Projections | — | 2 forecasts / mo | 10 forecasts / mo |
| Debt Payoff Simulator (Snowball / Avalanche) | — | — | 10 simulations / mo |
| Weekly AI Financial Audits | Basic | Detailed | Deep Forensic |
| Loans, Reports & Data Export | |||
| Loan & EMI Management | Basic Overview | Full Amortization Table | Full Amortization & Analysis |
| Financial Reports & Exports | On-Screen Analytics | Advanced Reports & CSV | Forensic & Deep Export |
| Multi-Tier Pre-Due Reminders | Native Alarms | 10d, 5d, 3d, 1d & Due | 10d, 5d, 3d, 1d & Due |
| Financial Health Score & Trend Analysis | Current Score | Score + History | Historical & Predictive |
| Security, Cloud Sync & Experience | |||
| Encrypted Cloud Backup & Multi-Device Sync | 1 Device (Local SQLite) | Up to 2 Devices | Up to 5 Devices |
| Encrypted Document Vault Capacity | 5 Documents | 25 Documents | 100 Documents |
| Biometric Fingerprint & PIN Lock | Included | Included | Included |
| Clean Ad-Free Experience | Ad-Supported | 100% Ad-Free | 100% Ad-Free |
| Tenant Isolation & Privacy | On-Device Zero Knowledge | Encrypted Cloud Sync | Encrypted Cloud Sync |
Built for precision & privacy.
Architectural benchmarks implemented directly into the core AavakJavak codebase.
Client-side encryption on device before local SQLite storage or encrypted cloud sync.
Core app works 100% on-device. Log expenses and view budgets with zero internet needed.
Fast mobile views with OCR and bottom sheets, plus multi-pane desktop layouts.
Paid tiers sync client-encrypted data to PostgreSQL protected by Row-Level Security (RLS).
Got questions? We have answers.
Everything you need to know about AavakJavak security, subscriptions, and supported features.
Download AavakJavak on Google Play Today
Experience sovereign personal finance. 100% offline-first SQLite database, bank-grade AES-256 client-side encryption, voice-activated logging, and conversational Gemini AI assistant.
Quick Install on Phone
Scan to install directly from the Google Play Store or tap the button below.
Take control of your financial life.
Start organizing, understanding and improving your finances with AavakJavak.