Smart Expense Control

Smart Expense Control is the definitive tool for anyone looking to manage personal finances with precision, speed, and maximum security. Designed to be intuitive and powerful, it lets you understand exactly where your money goes, how much you have until next payday, and what your cards and debts are charging you — all in one app, with no ads and nothing sent to the cloud.

PAY PERIODS AND LIVE BALANCE
- Configure your schedule: monthly, biweekly with custom days, or weekly.
- See your current period's income, outflow, and net balance in the Dashboard.
- Compare past periods to spot trends.

COMPLETE PAYMENT METHODS
- Cash, debit, and credit cards with configurable closing and due days.
- Every expense knows which method was used.
- Credit cards show pending statement, what to pay at due date, and credit limit usage.

RECURRING OBLIGATIONS WITH HISTORY
- Create templates for electricity, internet, rent, subscriptions, etc.
- Each month the obligation is auto-generated; when paid it's recorded forever.
- Browse month-by-month history: when you paid, how much, and which you skipped.

DEBTS WITH INSTALLMENT PLANS
- Register loans or personal credits with starting amount, monthly interest, and installment count.
- The app computes the fixed installment; or enter the installment and the app computes the interest rate.
- Track progress, installments paid, remaining balance, and percentage cleared.

SAVINGS GOALS
- Define goals with a target amount, register deposits, and watch progress on a clear bar.
- Also works without a target when you just want to accumulate.

AUTOMATIC FIXED COSTS
- Maintenance fees, insurance, and other recurring charges are generated automatically every period.
- They appear on the card statement or as a period expense, as appropriate.

SMART TRANSACTION EDITOR
- Tap any movement in history to edit it.
- The app explains what your change affects: period balance, pending statement, debt balance, savings progress.
- Safe deletion with contextual confirmation; obligations are automatically marked pending again.

MULTI-DIMENSIONAL CATEGORIZATION
- Classic categories (Food, Transport, Home, Health, etc.) and social contexts (Solo, Partner, Family, Work, Travel, etc.).
- Powerful history filters by type, category, context, and payment method.

SMART INSIGHTS
- Alerts when a category grows more than 15 % vs. last month.
- Warnings if a card will exceed your available balance.
- Reminders when an obligation is overdue.
- Indicator when you've spent over 80 % of the period's income.

TOTAL PRIVACY AND SECURITY
- All your data lives only on your iPhone with SwiftData.
- Lock with Face ID or Touch ID.
- AES-256 encrypted backup: export everything to a file and restore whenever you want.

ELEGANT VISUALIZATIONS
- Swift Charts: spending by day and by week, breakdown by category, top contexts.

VISUAL PICKERS
- Choose icons from a gallery organized by category (money, home, transport, health, etc.).
- Pick colors from a wide palette or enter