The first open needs a connection to create your guest session. After that, every entry is saved to your phone first — on a plane, in a basement, on patchy data — and syncs when you reconnect.

Track money friends owe you and money you owe, with partial repayments over time. It moves the right account balance without ever counting as income or expense.

Paid for the whole table? Record just your share as the expense — everyone else’s slice becomes money owed to you against the same account, so your spending totals stay honest.

In a chit fund or monthly kitty? Track your contribution each period and the round you take the pot. It moves the right account balance and, like debts, never counts as income or expense.

Set monthly category caps and get warned before you go over. Reports show trends, category breakdowns, and income-vs-expense flow over any date range.