Know where your money goes. Without linking your bank.
HYFO is a private expense tracker for Android, in rupees. Add what you spend and earn in a few taps, set a budget, and watch your savings goals fill up. Nothing leaves your phone.
- Expenses and income in a few taps, with categories.
- A monthly budget and budgets per category.
- Recurring payments, so rent and subscriptions are never a surprise.
- Savings goals and investments, kept apart from spending.
- No bank login, no SMS reading, no ads.
Log it in seconds
Amount, category, done. Add a note if you want one and edit anything later. HYFO groups your spending by category and shows what's left this month against your budget, so you know where you stand at a glance.
Budgets that warn early
Set one monthly budget, or a budget per category like food or shopping. HYFO shows how much is left as the month goes, and recurring payments you add are counted before they arrive.
Savings goals you can see filling up
A trip, a phone, a safety net. Move money to a goal and watch it fill. With HYFO Pro, HYFO works out your pace from what you've actually put aside and shows when you'll reach each goal.
Food delivery, noticed
After a visit to Swiggy, Zomato or another delivery app, HYFO can ask if you ordered and fill in the entry for you. The Money tab then shows what went on delivery this month, app by app, against the same time last month. If you want to cut back, you can block those apps for free.
Questions
Does HYFO need my bank or UPI login?
No. You add money in and out yourself, which takes a few seconds. HYFO never asks for bank or UPI logins and never reads your SMS.
Is the expense tracker free?
Yes. Expenses, income, categories, budgets, recurring payments, savings goals and the monthly review are free. HYFO Pro adds savings pace with finish dates and money reports for any period.
Are savings counted as spending?
No. Money moved to savings or investments is shown separately, so your spending and your budget stay honest.
Where is my money data stored?
Only on your phone. There's no HYFO account and nothing is uploaded. You can export or delete everything from Settings.
HYFO also keeps your health, money and focus in one view. See everything HYFO does or read about blocking apps and screen time limits.