Know what's actually left.

Yes — Baaki. There is no bank login, no Plaid or equivalent aggregator, and no read access to your accounts, because the app has no network client of its own. You enter what you spend, which takes a few seconds and means no third party ever holds a copy of your transaction history.

No. The free tier is a real app rather than a trial — unlimited transactions and unlimited accounts, forever — and Baaki Pro is a one-time purchase that unlocks unlimited budgets, goals, people and recurring bills, plus the Reports builder, and removes ads. Nothing renews.

Yes, in both directions. Record what you have lent and what you have borrowed against a named person, settle in part or in full, and see the running balance for each one. The free tier covers five people; Pro makes it unlimited.

Your financial data is. Transactions, budgets and goals are stored on your phone in an encrypted database and never uploaded. Two things do use the network, and we would rather say so: ads on the free tier, and Google Play when you buy or restore Pro. Neither receives your financial data.

No. There is no sign-up and nothing to sign in to. That also means there is no server holding your records, and no Nainnie Labs database of your finances that could be breached — but it means we cannot recover your data if you lose your phone.

The free tier is a real app, not a trial: unlimited transactions and unlimited accounts, forever, plus 5 budgets, 3 goals, 5 people and 5 recurring bills. It shows ads. Baaki Pro is a one-time purchase, not a subscription.

It is what remains after your reserved bills and the money you have set aside for goals are held back. Setting money aside never moves it out of your account — it only lowers the spendable figure, so the number you see is one you can act on.

Yes. Baaki is on both the App Store and Google Play, and the offline design is the same on each — your ledger stays on the device either way. The apps share one Kotlin Multiplatform core, so a budget behaves identically on both.

The ledger sits in a SQLCipher-encrypted database inside the app's private storage. You can lock Baaki behind a PIN or biometrics, and there is a decoy PIN that opens a separate, empty-looking ledger if you are ever made to unlock it in front of someone.

Yes, and it is not a paid feature. CSV import and export are both in the free tier, so you can move in from another tracker and take everything with you whenever you like. Your records are never held hostage to a purchase.

Yes — real multi-currency, not a single display setting. You can hold accounts in different currencies, transfer between them, and see each one formatted the way that currency expects.

Only if you turn on auto-capture, which is off by default and needs notification access you grant yourself. It runs on your device, the message text is never stored or uploaded, and nothing reaches your records until you review it and tap Add. Baaki does not request SMS permission.