Roadmap: shipped, in progress and planned (and why)

[RagedPanda]

Hisab's goal is simple: the only money app you need. Offline first, no account, free and open source. This thread is the public checklist of everything we have shipped, are building or plan to build, with the reason behind each item. Bugs go to Issues; feature requests are welcome as replies here or as a new discussion under Ideas.

Each item ships as its own pull request, so the merge list on the PR tab is the changelog in practice.

What makes Hisab a daily driver (owner, 2026-10-24): three things, and every feature is judged against them —

1. Entry — logging a spend takes one or two taps, by hand or from SMS; nobody stops tracking because it was tedious.
2. Managing — fixing, re-categorising, splitting, repeating and organising entries (accounts, categories, tags, projects) is quick and forgiving.
3. Reporting — "where did my money go, and am I on track" is answered at a glance, down to any single detail.
   A competitor can win on one; Hisab wins by being the only app that does all three offline, with no account.

Simplicity pass (2026-10-24): done

The feature set is enough; the focus now is making the app effortless for an ordinary person to use every day (owner, 2026-10-24). From the simplicity audit (hisab-reviews/2026-10-24/simplicity_audit.md). Core loop today: add a ₹200 cash spend = 4 taps + typing (2 of those taps are the forced category); today's spend isn't on Home. Each item is its own small PR, shipped one at a time; we lead with this before the rest of the queue.

• Default the category to "Uncategorised" so Save works instantly — removes 2 taps and a popup from every entry. Shipped 2026-10-26: PR feat(entry): make category optional, default to uncategorised #142 (entries) + feat(recurring): make category optional, default to uncategorised #143 (recurring). Core loop 4 taps -> 2.
• Show "Spent today" on the Home hero — the daily question, answered on the landing screen. Shipped 2026-10-26: PR feat(home): show today's spend on the summary card #134, QA passed on device (pill updates live, taps through to today's entries, Indian/Western formats, Hindi + 360dp).
• Collapse the entry form — show only what's needed (amount, category, account); tuck items, project, date/time, repeat, payee and note behind "More details". Shipped 2026-10-26: PR feat(entry): collapse advanced fields behind More details #144, QA passed on device. Also made clearing a category reversible.
• Remove the dead "Cloud sync" row in Settings (shows "Coming next…", does nothing). Shipped 2026-10-26: PR chore(settings): remove dead Cloud sync row #147, QA passed (en + Hindi).
• Thin the Home screen — hide Projects / Groups / Budgets / Upcoming cards until they're used. Approved 2026-10-24.
• More from the audit (plainer labels like "Paid to / received from", split Settings Money into Everyday/Advanced, one Expense/Income/Transfer toggle at the top of the form, "Daily avg") — pick after the five above. Done: the "Paid to / received from" label, the kind switch in the entry header (PR feat(editor): coloured entry header with the kind switch and amount #165) and "Daily avg". Settings Everyday/Advanced split: PR feat(settings): split Money into everyday rows and an Advanced section #172.

Merged 2026-10-29

Open PRs waiting for the owner, stacked in merge order:

• PR feat(groups): highlight shared expenses, one-row split picker and refreshed screenshots #167: highlight shared expenses, one-row split picker
• PR test: raise line coverage to 99% #168: line coverage to 99%
• PR feat(settings): erase all data with typed confirmation #169: Erase all data in Settings, with a typed DELETE confirmation
• PR feat(entries): total and item summary on filtered entries #170: total and per-item summary (litres and ₹) on a filtered Entries list
• PR feat(dashboard): hero shows only spend and income #171: Home hero shows only spend and income, with no saved/overspent verdict; safe to spend moves to the Budgets card
• PR feat(settings): split Money into everyday rows and an Advanced section #172: Settings → Money split into everyday rows and an Advanced section (Budgets, Projects, Recurring, Subscriptions, Salary, month start, number format)
• PR feat(entries): add a spending calendar #180: spending calendar (each day shaded by spend, tap a day for its entries) and a README screenshot gallery for Android and iOS
• PR feat: Split this — turn a saved expense into a group expense #181: Split this, which turns a saved expense into a group expense so only your share counts as spent, with Undo
• PR feat(settings): configurable notifications and an evening summary #183 (2026-10-30): Settings → Notifications, one switch and a sample per kind, and an optional evening summary
• PR feat(sms): Change category and Undo actions on the added-from-SMS notification #184 (2026-10-30): "Added ₹X from SMS" notification with Undo and Change category
• PR feat(launcher): Add expense tile, notification, quick-entry shortcuts and spend widget #182 (2026-10-30): Add expense tile, opt-in notification, Home screen widget and quick-entry launcher shortcuts
• PR Integrate quick wins for QA (#180, #181, #183, #184, #182) #185 (2026-10-30): combined feat(launcher): Add expense tile, notification, quick-entry shortcuts and spend widget #182 to feat(sms): Change category and Undo actions on the added-from-SMS notification #184 with the notification wiring (Bank SMS switch covers the SMS notification, Add expense is a fifth notification kind) and hid Android-only rows on iOS
• PR docs: show README screenshots inside phone frames #186: README screenshots shown inside Pixel and iPhone 17 frames
• PR feat(app-lock): biometric app lock #187 (2026-10-30): app lock with biometrics
• PR feat(backup): scheduled backups to a folder you choose #188 (2026-10-30): scheduled encrypted backup to a chosen folder and Drive
• PR feat(cards): keep card facts up to date from bank SMS #189 (2026-10-30): card limit, statement and bill payments read from card SMS
• PR fix(cards): SMS card amount due, last 4 digits on the card form, category on card bill transfers #192 (2026-10-30): card follow-ups: what an SMS card owes, last 4 digits on the card form, category on card bill transfers
• PR feat(udhaar): add udhaar ledger per person #190 (2026-10-30): udhaar ledger per person with WhatsApp and UPI reminders
• PR Batch 2: app lock, scheduled backup, card SMS facts, udhaar #191 (2026-10-30): combined batch 2 (schema v23 for udhaar, app lock stays unlocked across its own pickers and Google sign-in, backups carry the new card and udhaar data)

Shipped

• Personal tracker core: multi-item entries, accounts with balances, categories and subcategories, budgets, transfers, encrypted backup and restore, English and Hindi, light and dark theme. Why: this is the baseline nobody should have to look elsewhere for.
• Bank SMS parsing (Android): debits, credits, card spends and balance lines from Indian banks turned into draft entries. Why: typing every transaction is the reason people stop tracking.
• Groups, Splitwise style: shared expenses with equal, exact, percentage and share splits, pairwise balances, simplify debts, settle up, share a summary. Why: trips and flat expenses should not need a second app or an online account.
• 2026-10-21 quality pass: Android QA, iOS QA and a design audit produced over seventy findings; all of them were fixed, including silent account-balance corruption when editing or deleting an entry, group balances not refreshing live, duplicate SMS handling and Hindi copy. Why: an expense tracker that gets a balance wrong is worse than none.

In progress

• Dashboard redesign (PR feat(dashboard): redesign home with charts and insight cards #9, merged 2026-10-22): hero total with month-on-month comparison, spend trend, category donut, budget progress, accounts, group net and recent entries. Why: the home screen must answer "where am I this month" in one glance. Fixed Home Recent card shows the empty-month message on first run instead of the welcome state #6.

• Groups parity with Splitwise, one PR per item, all offline:

  • Member removal correctness and names for removed members (Member can be removed while still part of a pairwise debt; removed members show as Unknown #5, PR fix(groups): refuse member removal while pairwise debts remain and keep removed members' names #8)
  • Record a payment with date, note and method (PR feat(groups): record payment sheet with direction, date, method and note #12)
  • (PR feat(groups): show what each expense means for me and fold settled history #15) Expenses tab with a settled-up marker, "you lent / you borrowed" lines and filters
  • (PR feat(groups): settle-up reminders and UPI pay links #17) Settle-up reminder through the share sheet with a UPI pay link
  • Multiple payers on one expense (feat(groups): multiple payers per group expense #19)
  • By-item split on multi-item entries (PR feat(groups): split a group expense by item #29)
  • Group settings: type, default split, member weights, notes (PR feat(groups): add group settings with type, default split, currency label, notes and archive/leave/delete #25)
  • Group totals (PR feat(groups): add group totals with category and member breakdowns #37)
  • People directory and "settle everything with one person". People list shipped in PR feat(groups): personal People list with member suggestions #156; "settle everything with one person" is still open.
  • Recurring group expenses and scheduled settle-up reminders (PR feat(groups): recurring group expenses and settle-up reminders #33)
  • Export and a WhatsApp-ready balance table (feat(groups): export a group as CSV and share a WhatsApp-ready summary #35)
  • Restore deleted payments and groups from Activity (PR feat(groups): restore deleted payments and groups from activity #73). Why: owner 2026-10-23; finding and recovering any detail is key, and expenses already have restore.
  • Undo for expense and group delete, with local history (PR feat(groups): add activity history with undo and restore #24)
  • (PR feat(groups): prefill a new group expense from the group's last one #173, merged 2026-10-29; a banner offers "Start blank") Repeat last entry: pressing + in a group opens the new expense prefilled with that group's last entry (items, quantities, prices, split), so a daily group like milk (1 L buffalo + ½ L cow) needs only a date change and Save. Why (owner, 2026-10-23): repeated daily entries should take one tap; and reporting, search and finding any detail are what make the app usable.

  Why: everything Splitwise charges Pro for, done locally with no sign-up. The gap analysis is feature level only; no Splitwise code or assets are used.

• Clearer entry screen (owner 2026-10-23), one PR each:

  • (PR fix(shell): always show segment labels on narrow screens #102) Text labels on the Expense / Income / Transfer tabs; on narrow phones (360dp) they showed icons only. Why: nobody understands the icons on their own.
  • (PR feat(entry): pick accounts by type first in the entry editor #104) Account picker by type: pick Cash, Bank, Card or Wallet first, and tapping Bank shows the bank accounts (Cash hides them). Why: a flat list of every account is slow to scan.
  • (PR fix: label editor actions and soften the light theme #178, merged 2026-10-29) Again and Save as quick entry move from bare app-bar icons into a labelled ⋮ menu ("Add again for today", "Save as quick entry"). Why: the owner found the bolt and replay icons unclear on a phone.
  • (PR fix: label editor actions and soften the light theme #178, merged 2026-10-29) Softer light theme: deeper hero gradient, calmer header colours, grey-green background instead of near-white. Why: the light theme was too bright and harsh on the eyes.

Planned

• SMS automation that actually runs on its own (Bank SMS are not captured while the app is closed #3, Parsed bank SMS stay hidden under Settings until each one is approved by hand #4): manifest receiver so SMS are captured while the app is closed, catch-up inbox scan on launch, auto-add by default with an "added from SMS" marker and undo, review queue only for low-confidence parses, a badge on Home. Why: today the user has to open Settings and tap Add for every message, which is not automation.
• Reminders (feat(reminders): add due-date reminders with local notifications #28, feat(reminders): add document and renewal reminders with presets and project links #32, feat(upcoming): add the Upcoming dashboard card and due calendar #39): bill reminders with notifications, group debt reminders, and automatic "done" when a matching bank SMS arrives. Why: late fees are the most expensive expense in the app.
• Projects (R1, PRs feat(projects): add projects data model and repository #10 to feat(editor): fast entry with calculator keypad, save and add another, Android shortcuts and share target #21): tag any entry to a project such as a vehicle, a house build, a trip or a wedding, with totals, category donut and trend per project; templates for the common ones. Why: "how much has my scooter cost me this year" has no answer in a plain category list.
• Category packs (PRs feat(projects): add project templates with opt-in category packs #13, feat(categories): add a pack from Settings with eight new packs and safe removal #16): optional packs with subcategories, starting with Home construction (iron rods, cement, bricks, sand, stone, marble, tiles, plumbing, electrical, labour, electrician, carpenter, painter...). Why: people building a house track dozens of line items and need them ready-made, in Hindi too.
• Currency picker (PR feat(currency): ask for the currency on first launch and pick it from a searchable list #89): choose from a full list of world currencies instead of typing a symbol. Why: the free-text field is a design leftover. First launch asks for your currency (owner 2026-10-23); it sets the display symbol and which bank SMS count as foreign.
• Ignore bank SMS in a currency other than yours: not auto-added and not put in review. Why (owner, 2026-10-23): cross-currency is not supported, and ignoring is safer than guessing a rate.
• Scheduled backup to a folder you choose (Android storage picker, iOS Files), and the same schedule for the Drive copy (today it is "Back up now" only). Why: the folder route needs no Google Cloud project or verification and already covers "I changed phones". Shipped 2026-10-30 in PR feat(backup): scheduled backups to a folder you choose #188: Off / Daily / Weekly / Monthly, keeps the newest 5 (or 3/10/20) encrypted backups in the folder you pick, runs on open when due and in the background on Android; the Drive copy follows the same schedule when connected. QA passed on the emulator.
• Google Drive sync (personal), completely optional (shipped in PR feat: back up to Google Drive (personal backup, step 1) #159: consent screen, encrypted copy in your Drive app folder, back up now, restore, disconnect, delete the copy. Backups are manual for now; automatic ones are tracked under scheduled backup above.) — opt-in only, never a gate at launch. An encrypted copy of your own data in your own Drive appDataFolder (app-private, drive.appdata scope), so you can restore on a new phone. Encrypted end to end with the existing backup codec: Google can't read it, and there's no Hisab server. A plain-language consent screen says exactly why Drive access is asked and lets you skip. Why: "I changed phones" without a backend, and the groundwork for shared groups. Design: SYNC_SHARING.md.
• Serverless shared groups (no backend at all) — each group is one shared Google Drive file in the owner's Drive (drive.file scope) holding an append-only encrypted event log; members merge by union of event ids with last-writer-wins on edits, and balances are replayed from the log. Invite = a Drive share plus a link whose fragment carries the group key (never sent to a server). Honest trade-offs: every member needs a Google account and the app, and it's near-real-time, not instant. Why (owner, 2026-10-24): Splitwise-style sharing with zero hosting and no account system we run. Design: SYNC_SHARING.md.
• SMS history: a log of every added or ignored SMS so a decision can be reviewed later.
• QA coverage still open: month start day, backup round-trip, landscape, 360dp layouts, SMS inbox scan.

Daily-use ideas from the competitor study (2026-10-24)

Why: a clean-room study of what Axio (formerly Walnut) and Money Manager show every day, compared with Hisab: their store listings plus Hisab's own SMS reader tested on 30 made-up bank messages. No competitor code or design was copied. The goal is that the daily jobs (check today's spend, fix a wrongly read SMS, add a cash spend) each take one or two taps. Ranked by daily value against effort:

• Actions in the SMS notification: show payee, category and account, with "Change category" and "Undo" buttons. Why: fixing a wrongly read SMS takes about 5 taps today and needs the app opened; this makes it 2. Approved 2026-10-29. Shipped 2026-10-30: PR feat(sms): Change category and Undo actions on the added-from-SMS notification #184 (via Integrate quick wins for QA (#180, #181, #183, #184, #182) #185). Undo works without opening the app, Change category remembers the payee; the Bank SMS switch in Settings → Notifications silences it. QA passed on the emulator.
• Remember category per payee / UPI ID (PR feat(sms): remember categories per payee #136): a correction applies to future SMS from the same payee; a new person-to-person UPI payee is asked once. Why: the same fix should never be needed twice.
• Card facts from SMS (card limits and dues can be set by hand since PR feat(cards): credit card statement and due days with automatic due reminder #38; reading them from SMS is still open): keep the available limit (read today, then discarded), the statement total and the due date, feeding the card due reminder. Also record "card bill payment received" SMS as a transfer from bank to card instead of skipping it. Shipped 2026-10-30 in PR feat(cards): keep card facts up to date from bank SMS #189: the available limit from card spend SMS, statement total, minimum due and due date from statement SMS (the card due reminder updates in place), and "payment received" SMS recorded once as a bank-to-card transfer in either arrival order. QA passed on the emulator. Follow-up PR fix(cards): SMS card amount due, last 4 digits on the card form, category on card bill transfers #192 (2026-10-30): a card read from SMS owes its statement total (plus spend, minus payments since) instead of ₹0; hand-added cards take an optional last 4 digits so their SMS match them; card bill transfers keep their category or get Credit Card Payment.
• "Today ₹X" on the Home summary card (PR feat(home): show today's spend on the summary card #134). Why: the most-asked daily question has no answer on Home today.
• One-tap saved entries for frequent cash spends (chai, auto, milk), from the + button and as launcher shortcuts. Why: about 5 taps plus typing today; this makes it 2 taps. Hands-on study: show up to 3 pinned ones as chips at the top of the add sheet. Owner 2026-10-29: users create their own quick entries and choose how many show as chips; the rest sit behind a "+N more" button. Merged in PR feat(quick-entries): one-tap quick entries on Home, with a chosen count and +N more #177 (2026-10-29): a bolt in the editor saves any form as a quick entry; Home chips add in one tap with Undo; Settings → Quick entries sets the count (1 to 8, default 4), order, rename and delete. Merged in PR feat(quick-entries): starter quick entries, Edit, and confirm before adding #179 (2026-10-29): new installs start with four starter quick entries (Milk, Tea & snacks, Petrol, Auto / cab) so first-time users see the feature; they can be edited, deleted or added to; Settings → Quick entries gains Edit; tapping a chip asks "Add Milk?" with the amount and a changeable day (Today) before adding, so a stray tap adds nothing. Launcher shortcuts still to do. Launcher shortcuts shipped 2026-10-30 in PR feat(launcher): Add expense tile, notification, quick-entry shortcuts and spend widget #182: long-press the app icon for Add expense, Add income and your first two quick entries.
• Safe to spend per day: budget left divided by days left in the cycle (PR feat(home): show safe to spend per day on the summary card #135; moves to the Budgets card in PR feat(dashboard): hero shows only spend and income #171).
• "Split this" from any entry or SMS notification, opening a pre-filled group expense. Owner 2026-10-29: once split, Home's spent counts only your share. Shipped 2026-10-29: PR feat: Split this — turn a saved expense into a group expense #181, QA passed on the emulator (picker, prefilled form, only your share counted, account balance unchanged, Undo). A Split this button on the SMS notification is not built yet.
• Optional evening summary notification: today's total, SMS waiting for review, and bills due in the next 3 days. Off by default. Owner 2026-10-29: notifications become configurable in Settings, several kinds, all off by default, with a sample so people can see what they would get. Shipped 2026-10-30: PR feat(settings): configurable notifications and an evening summary #183, Settings → Notifications with a switch and "Show sample" for reminders, salary, bank SMS and the evening summary; all off on a new install. QA passed on the emulator.

From the hands-on Money Manager study (2026-10-24), using the app with made-up entries. Adding a cash expense takes about 5 taps plus typing in both apps; these close the gaps it showed:

• "Again" on any entry: copy an entry to today in one tap, then edit or save it. Why: repeat spends (fuel, groceries, rent) are re-typed in full today; Money Manager does it in 3 taps. Approved 2026-10-29. Merged in PR feat(editor): add Again to copy a saved entry to today #174.
• Auto-advance in the entry editor: after the amount, open the category picker, then the account picker, with no field taps. Why: removes 2 taps from every manual entry, the most frequent action in the app. Owner 2026-10-29: picking a category you have bought items under (e.g. milk: buffalo + cow) opens the items section and suggests those items. Merged in PR feat(editor): open a category's past items on pick and add the last bill in one tap #175 (2026-10-29): Next on the amount opens the category picker; picking a category with past items opens Items; "Same as last time · N items" adds the last bill in one tap. The account step is skipped, because a default account is always preselected.
• "Today" tick on the budget bar (already on every budget bar): a marker showing how far through the cycle you are, so spending ahead of pace is visible at a glance. Why: pairs with Safe to spend per day; the pace text today has to be read, not seen.
• Spending calendar for the month: each day's total in its calendar cell, darker for bigger days, tap a day to see its entries. Why: "where did the money go this month" is answered fastest by spotting the heavy days. Approved 2026-10-29. Shipped 2026-10-29: PR feat(entries): add a spending calendar #180, QA passed on the emulator (shading, month switching, day list, dark theme, Hindi). The README now links a gallery of every screen on Android and iOS.
• "Add expense" shortcut outside the app: a persistent notification and/or Quick Settings tile that opens the add form with the keypad up, without opening the app. Why: the fastest competitor path to log a cash spend starts from the shade, not the launcher (Money Manager 4.13.1). Approved 2026-10-29, with the home-screen widget. Shipped 2026-10-30: PR feat(launcher): Add expense tile, notification, quick-entry shortcuts and spend widget #182 (via Integrate quick wins for QA (#180, #181, #183, #184, #182) #185). Quick Settings tile (works from the lock screen), opt-in persistent notification, Home screen widget with this month vs last, and the first two quick entries as launcher shortcuts; the editor opens with the keypad up and a back arrow. QA passed on the emulator.
• Home-screen widget: this month's spend vs last month, with a + button to add, themeable with an opacity setting. Why: keeps the daily number and quick-add one tap from the home screen (Money Manager 4.13.1). Shipped 2026-10-30 in PR feat(launcher): Add expense tile, notification, quick-entry shortcuts and spend widget #182.

"One app" releases

The research pass (reviews and feature requests across open-source and commercial trackers, plus an India-specific needs survey: EMI, udhaar, card dues, SIP/FD/PPF, insurance, document expiry, construction, weddings, farming, shop khata, chit funds) produced six themed releases. Each bullet is one PR.

R1: Projects and packs (shipped 2026-10-22, PRs #10 to #21). Why: "how much did my scooter / house / trip cost" is the single most common question a category list cannot answer, and entering dozens of line items has to be fast.

• Projects data model: a project with icon, status, dates, budget; any entry can belong to one (PR feat(projects): add projects data model and repository #10)
• Project screens: list, detail with totals, category donut and spend trend, create from a template (PR feat(projects): add projects screens, detail and dashboard card #11)
• Project templates: Vehicle, Home construction, Renovation, Trip, Wedding (more as packs) (PR feat(projects): add project templates with opt-in category packs #13)
• (PR feat(projects): project fields with per-km, per-litre and per-sq-ft metrics #14) Typed custom fields per project (odometer, litres, stage, contractor, square feet) with template metrics such as cost per km or per sq ft
• (PR feat(categories): add a pack from Settings with eight new packs and safe removal #16) Category packs with Hindi names, opt-in under Settings > Categories (Home construction first)
• (PR feat: entry project picker and Entries project filter #18) Project picker in the entry editor and a project filter on Entries
• (PR feat(entries): search and filters for the Entries list #20) Search and filters: payee, tag, project, account, amount range, date range
• (PR feat(editor): fast entry with calculator keypad, save and add another, Android shortcuts and share target #21) Faster entry: calculator keypad, save-and-add-another, quick-add shortcuts, capture from the share sheet (Android)
• Tag field in the entry editor, so the tag filter becomes useful Approved 2026-10-29. Merged in PR feat(editor): add a Tags field and keep tags when editing #176; also fixes editing an entry wiping its tags.
• iOS share extension for capture from the share sheet

R2: Never miss a due date. Why: late fees and lapsed policies are the costliest expenses in the app, and these are the most requested features across every tracker surveyed.

• Recurring entries with schedule, end date, auto-post or confirm
• Due reminders via local notifications with snooze; marking paid creates the entry (PR feat(reminders): add due-date reminders with local notifications #28)
• Upcoming card and calendar on the dashboard (feat(upcoming): add the Upcoming dashboard card and due calendar #39, feat(reminders): add document and renewal reminders with presets and project links #32) (EMI, card due, rent, subscriptions, premiums, expiries)
• Auto-mark a reminder done when a parsed bank SMS matches it (PR feat(reminders): auto-mark reminders paid from a matching bank SMS #34)
• Salary-day income rule tied to the salary-month cycle (PR feat(salary): add salary-day rule with setup, month alignment and not-seen reminder #31)
• (PR feat(reminders): add document and renewal reminders with presets and project links #32) Document and renewal reminders: insurance, PUC, RC, driving licence, passport, warranty, AMC, FD maturity
• Subscriptions view with monthly and yearly totals and next renewal
• Credit cards: statement day, due day, credit limit, due reminder (PR feat(cards): credit card statement and due days with automatic due reminder #38)

R3: Loans, udhaar and people. Why: money lent to and borrowed from people is tracked in notes apps today; loans and EMIs are the biggest line in many households.

• People directory shared by groups and personal entries (PR feat(groups): personal People list with member suggestions #156)
• Loan accounts with amortisation schedule and EMI due reminder
• Udhaar ledger per person: lent, borrowed, repaid, net balance, WhatsApp reminder with UPI link Shipped 2026-10-30 in PR feat(udhaar): add udhaar ledger per person #190 (via Batch 2: app lock, scheduled backup, card SMS facts, udhaar #191): Settings → People & udhaar and a Home card while anyone owes; per-person page with Lent / Borrowed / Repayment, running balance and Undo; lending moves the account balance but never counts as spending; WhatsApp reminder in English or Hindi with a upi://pay link. QA passed on the emulator.
• "For whom" on an entry and vendor roll-ups
• Card EMI instalment plans

R4: Reports, export, backup and capture. Why: trust comes from being able to get your data out and see it summarised.

• Scheduled encrypted backup to a folder you pick (Android storage picker, iOS Files) (same as the Planned item above) Shipped 2026-10-30 in PR feat(backup): scheduled backups to a folder you choose #188.
• CSV, XLSX and PDF export of entries and projects
• Monthly report, financial-year review, trends, duplicate detection
• Receipt and bill attachments
• CSV bank-statement import and user rules (payee or sender to category/project)
• App lock with biometrics Shipped 2026-10-30 in PR feat(app-lock): biometric app lock #187: off by default, fingerprint/face with the phone PIN as fallback, locks after Immediately / 1 min / 5 min away, hides figures in recent apps; shortcuts, the tile and notifications show the lock first. QA passed on the emulator.
• Budget periods, rollover and history
• Home-screen widgets (same as the daily-use widget item above) Shipped 2026-10-30 in PR feat(launcher): Add expense tile, notification, quick-entry shortcuts and spend widget #182.

R5: Net worth, goals and protection. Why: FD, PPF, NPS, mutual funds, gold and insurance are where the second app lives for most Indian users.

• Asset account types (FD, RD, PPF, NPS, EPF, mutual funds, stocks, gold, property) with invested and current value
• Net worth snapshots and card
• Insurance policies with premium reminders and tax section
• Goals and sinking funds
• Safe-to-spend forecast (per-day figure shipped in PR feat(home): show safe to spend per day on the summary card #135; a month-end forecast is still open)
• Tax view (80C, 80D, 80G, HRA, 80E)
• Warranty and AMC on household assets (renewal reminders shipped in PR feat(reminders): add document and renewal reminders with presets and project links #32; an asset register is still open)
• Recurring-charge detection from entries

R6: Household and sync. Why: two people run one home; the data should meet without a server owning it.

• Household-help template and shared household via an encrypted relay
• Optional cloud sync and shared groups, no backend (personal Drive copy shipped in PR feat: back up to Google Drive (personal backup, step 1) #159; shared groups still open) — personal data in your own Drive appdata, groups as a shared Drive file with an append-only log (SYNC_SHARING.md)
• Profiles (separate databases on one phone)
• Multi-currency with manual or opt-in fetched rates
• F-Droid listing

Out of scope on purpose: bank account linking, in-app payments, GST invoicing, lending or credit-score products, server-side AI.

Decisions taken so far: Groups stay separate from Projects with an optional link; udhaar is a per-person ledger rather than a two-member group; the personal app makes no network calls until R6 and then only opt-in.

Principles

• Offline first and no account, ever. Sync is optional and encrypted.
• Every feature is a separate pull request with a conventional commit history.
• Bugs are tracked in Issues with reproduction steps; this thread tracks features and why.