eTrackly: The Complete Guide to the Best Offline Personal Finance App

In a world where financial apps constantly demand your personal data, upload your transactions to remote servers, and bombard you with advertisements, eTrackly stands apart as a refreshing alternative.

What Is eTrackly?

eTrackly is a mobile-first personal finance application available for iOS and Android devices. It's built on an offline-first architecture, meaning all your financial data stays on your device—never uploaded to any server, never accessible to anyone but you.

Key Differentiators

| Feature | eTrackly | Traditional Finance Apps | |---------|----------|-------------------------| | Account Required | No | Yes | | Data Storage | Local (on device) | Cloud servers | | Ads | None | Frequent | | Tracking/Analytics | None | Extensive | | Works Offline | Full functionality | Limited or none | | Security | Face ID / Touch ID / PIN | Password only |

Who Is eTrackly For?

eTrackly is designed for anyone who wants to understand and control their personal finances:

Privacy-Conscious Individuals If you're uncomfortable with apps knowing your salary, rent payments, and shopping habits, eTrackly is your solution. Your financial data never leaves your device.

Freelancers and Gig Workers Managing irregular income from multiple clients? eTrackly's **multi-wallet system** lets you separate different income streams and track each one independently.

Students and Young Professionals Starting your financial journey? eTrackly's **free tier** provides everything you need to build good habits: one wallet, budgeting, and savings goals—all without paying a cent.

Families Managing Household Budgets Track grocery spending, utilities, entertainment, and education costs with **category-based budgets** that alert you when you're approaching your limits.

International Travelers and Expats Support for **multiple currencies** means you can manage finances across different countries without manual conversion headaches.

Core Features

1. Comprehensive Expense and Income Tracking

At its core, eTrackly excels at tracking where your money comes from and where it goes.

Transaction Entry Made Simple: - Record transactions in seconds with the intuitive floating add button - Choose between income or expense with a single tap - Select from customizable categories with colorful icons - Add descriptions, dates, and times for complete records - Attach receipt photos directly from your camera or gallery - Optionally record transaction locations via GPS

2. Multiple Wallets for Organized Finances

Unlike basic budgeting apps that force you into a single-account view, eTrackly supports multiple wallets—perfect for complex financial lives.

Use Cases for Multiple Wallets: - Personal Checking Account - Daily expenses and bills - Savings Account - Emergency fund and long-term savings - Cash Wallet - Physical cash spending - Business Account - Freelance or side hustle income - Travel Fund - Vacation savings with a different currency

3. Smart Budgeting with Real-Time Alerts

Creating a budget is easy—sticking to it is hard. eTrackly's budgeting system provides the structure and feedback you need.

Budget Features: - Set spending limits by category (groceries, dining, entertainment, etc.) - Choose your period: daily, weekly, monthly, or yearly - Visual progress bars show exactly how much you've spent - Color-coded indicators: green (on track), yellow (approaching limit), red (over budget)

4. Savings Goals with Progress Tracking

Saving for something special? eTrackly transforms abstract savings targets into concrete, achievable milestones.

Goal Features: - Set a target amount and optional deadline - Track contributions over time - Visual progress indicators show how close you are - Celebrate when you reach your goals

5. Recurring Transactions (Premium)

Life is full of regular payments: rent, subscriptions, utilities, salary. eTrackly's recurring transactions feature automates tracking.

Frequency Options: - Daily, Weekly, Bi-weekly, Monthly, Yearly

Common Uses: - Salary deposits - Rent or mortgage payments - Streaming subscriptions (Netflix, Spotify, etc.) - Phone and internet bills - Gym memberships

6. Beautiful Charts and Spending Insights

eTrackly transforms your transaction history into visual insights:

• Balance Over Time chart showing your financial trajectory
• Spending by Category breakdown with percentage allocation
• Income vs. Expense comparison for any time period
• Net position (are you saving or overspending?)

Privacy and Security

Offline-First Architecture

All eTrackly data is stored locally on your device using: - SQLite database: Structured storage for transactions, budgets, goals, and wallets - MMKV storage: Fast key-value storage for settings and preferences - Local file system: Secure storage for receipt images

Security Features

Biometric Authentication: - Face ID on compatible iPhones - Touch ID on older iPhones and iPads - Fingerprint on Android devices

PIN Code Protection: - Set a 4-6 digit PIN for app access - Customizable auto-lock timeout

Multi-Language Support

eTrackly supports 5 languages with complete localization:

• English
• French (Français)
• Arabic (العربية) with full RTL support
• Spanish (Español)
• Italian (Italiano)

Subscription Plans

Free Plan - $0 forever - 1 wallet - 100 transactions per month - 1 budget & 1 savings goal - Basic categories - JSON backup

Pro Plan - $1.99/month or $19.99/year Everything in Free, plus: - 3 wallets - Unlimited transactions, budgets, and goals - CSV and PDF export - Cloud backup (iCloud/Google Drive) - Budget and goal alerts

Premium Plan - $3.99/month or $39.99/year Everything in Pro, plus: - Unlimited wallets - Recurring transactions automation - Transaction location map - Advanced statistics - Weekly summary notifications

Getting Started

Step 1: Download the App - iOS: App Store - Android: Google Play

Step 2: Complete Onboarding Select your language, explore features, choose your theme, and create your first wallet.

Step 3: Add Your First Transaction Tap the + button, enter the amount, select Income or Expense, choose a category, and save.

Step 4: Set Up a Budget Go to Budgeting tab, tap Add Budget, select a category, set a spending limit.

Step 5: Create a Savings Goal Go to Budgeting tab → Goals, tap Add Goal, name it, set a target amount.

Frequently Asked Questions

Is eTrackly really free? Yes! The Free plan includes 1 wallet, 100 transactions per month, 1 budget, and 1 savings goal—completely free, forever, with no ads.

Where is my data stored? All your financial data is stored locally on your device. eTrackly never uploads your data to any server.

Do I need to create an account? No! eTrackly works immediately after download. No email, no phone number, no social login required.

Can I use eTrackly offline? Absolutely! Since all data is stored locally, eTrackly works perfectly without an internet connection.

What languages does eTrackly support? eTrackly supports 5 languages: English, French, Arabic (with full RTL support), Spanish, and Italian.

Conclusion

eTrackly proves that you don't need to sacrifice functionality for privacy. You can have powerful budgeting tools, beautiful analytics, multi-currency support, recurring transaction automation—AND complete data privacy.

Download eTrackly today and experience personal finance tracking the way it should be: private, powerful, and completely yours.

*eTrackly: Your money. Your privacy. Your control.*