For budgeting beginners
Want to know where your money goes each month without building a spreadsheet? Start with a few categories and a budget.
The app
FinanceCounter – your private finance app for Android
Manage income, expenses, budgets, receipts, savings goals and bank statements in one clear place – without a bank connection.
Good morning
Your financesAvailable this month€1,842.50Recorded net flow
Income€3,200.00
Expenses€1,357.50
Fixed costs€850.00
Budget status66%
€1,357.50 of €2,050.00
Recent transactions
SupermarketToday · Groceries
−€54.72Rent1st of month · Housing
−€850.00Review receiptSample
CORNER MARKET
Milk 1.5%€1.19
Bananas€2.49
Oats€1.29
Yoghurt€7.87
TOTAL€12.84
Detected on this device
MerchantCorner Market
Amount€12.84
Date3 July
CategoryGroceries
Save transaction
BudgetsSample
Monthly budget66%
€1,357.50 of €2,050.00
Groceries72%
€112.50 left
Housing71%
€350.00 left
Leisure91%
Almost reached€18.00 left
DocumentsSample
Your original files stay on this device.
6 of 20 documents (Free)
Search documents
AllReceiptsInvoicesE-invoices
Electricity_August.pdfInvoice · Open
Internet_August.pdfInvoice · Paid
Hardware_store.jpgTill receipt
Interactive, schematic illustration of the app interface with sample values – not a screenshot.
Overview
What is FinanceCounter?
FinanceCounter is a local finance and budgeting app for Android. You record income and expenses, plan budgets and savings goals, scan receipts, manage invoices and documents and see in clear reports where your money goes.
The difference from many finance apps: FinanceCounter never connects to your bank and needs no user account. You decide what goes into the app – by typing, scanning a receipt or importing a file you pick yourself.
- No direct bank connection
- No FinanceCounter user account
- No cloud sync for financial data
- Processing on your device
- You stay in control of every entry
Who is it for?
For everyone who wants to stay in charge of their finances
For privacy-conscious people
You want an overview, but not at the price of giving a service access to your bank account or storing your finances in someone else’s cloud.
For the well-organised
Receipts, invoices, e-invoices and statements belong to your transactions. FinanceCounter keeps them together – searchable and linked.
Core features
What FinanceCounter can do
Everything here reflects the current app version. The labels show what the Free version includes and what Premium adds.
Free
Record income and expenses
Add expenses and income via quick capture or the full form. Custom categories and subcategories are unlimited, and you can create a new category right while booking. “Repeat transaction” reuses an existing entry as a starting point.
Free
Fixed costs and recurring transactions
Set up recurring income and costs once. A due-date calendar shows what is coming next, and optional reminders let you know in time. Unlimited in the Free version as well.
Free + Premium
On-device receipt scanning
Capture a receipt with the camera or pick a PDF, JPEG or PNG. Text recognition runs on your device and suggests merchant, total, date and line items; you review everything before it is saved. Free: 5 scans per month, Premium: unlimited.
Premium
Bank statement import without bank access
You choose the file yourself: CSV with column mapping, PDF or up to four images. FinanceCounter analyses it locally, flags possible duplicates and only imports what you confirm. No bank connection, no PIN, no TAN.
Free + PremiumNew
Documents and invoices
A dedicated area for PDF, JPEG, PNG and XML files: invoice, till receipt, purchase receipt, credit note, e-invoice, statement or other. Search, open/paid/overdue status, duplicate hints and links to transactions. Free: up to 20 documents, e-invoices as preview; Premium: unlimited, including the e-invoice archive.
Free + Premium
Budgets with warnings
One overall monthly budget plus budgets per category. The budget status always shows what is left; optional notifications warn you before you hit the limit. Free: 1 overall and 3 category budgets, Premium: unlimited.
Free + Premium
Savings goals with progress
Emergency fund, holiday or a big purchase: set a target amount and date, book contributions and follow your progress. Free: 2 active goals, Premium: unlimited.
Free + Premium
Reports and spending analysis
Charts for income versus expenses and spending by category, plus budget status and trend on the overview. Premium adds highlights such as largest category, savings rate and comparison with the previous period, the yearly view, detailed weekly and monthly reviews and advanced filters.
Privacy
No bank connection. No cloud requirement. No financial data on our servers.
Transactions, receipts and documents live in the app’s private storage. Android version 1.3.15 does not request internet permission, and Android’s automatic cloud backup is disabled. A file only leaves the device if you export it or write a backup to a place of your choice.
- Receipt text recognition with Google ML Kit on the device
- Bank statements are files you choose – never a bank login
- Encrypted backups with your own password
- App PIN and biometric unlock
- Installation, updates and purchases via Google Play
Free and Premium
What remains after a trial or subscription, and what Premium adds
Premium costs €2.99 per month or €24.99 per year – billed through Google Play. The Free column applies once a trial or subscription has ended.
| Feature | Free | Premium |
|---|---|---|
| Record income and expenses | included | included |
| Custom categories and subcategories | unlimited | unlimited |
| Recurring transactions and fixed costs | unlimited | unlimited |
| Active accounts | 2 | unlimited |
| Budgets | 1 overall + 3 category budgets | unlimited |
| Active savings goals | 2 | unlimited |
| Active projects | 1 | unlimited + reports |
| Local households | 1 | several |
| On-device receipt scanning | 5 per month | unlimited |
| Documents and invoices | up to 20 | unlimited |
| Bank statement import (CSV, PDF, image) | not included | included |
| E-invoices (XRechnung, ZUGFeRD) | preview only | archive |
| Invoice due-date reminders | not included | included |
| Screenshot to transaction | not included | included |
| Reports: income/expenses, categories | included | included |
| Advanced analytics and yearly view | not included | included |
| CSV export and full data export | included | included |
| PDF reports and Excel project reports | not included | included |
| Batch export documents as ZIP (JSON, optional CSV) | single export | included |
| Encrypted backup | manual | manual + automatic |
| Runway, pay cycle, scenarios, favourites, merchant rules | not included | included |
| App PIN and biometrics | included | included |
FAQ
Common questions about the app
What is FinanceCounter?
FinanceCounter is a budgeting and personal finance app for Android. You record income and expenses, plan budgets and savings goals, scan receipts, manage documents and analyse your finances. Your data is stored locally on your device; there is no FinanceCounter account and no bank connection.
Do I need an account?
No. There is no sign-up and no FinanceCounter account. You install the app from Google Play and get started straight away. Installation, updates and the Premium subscription use your existing Google Play account.
Is my financial data uploaded?
No. Transactions, accounts, budgets, receipts and documents are stored in your device’s private app storage and are not sent to the operator or any FinanceCounter server. Only if you write an export or backup to a location of your choice – such as a cloud folder – does that file end up there.
Is my bank account connected?
No. FinanceCounter does not access your bank account, uses no open banking or PSD2 interface and has no bank connection. If you like, you pick a bank statement yourself as a file (Premium); it is analysed locally and only what you confirm is imported.
How does receipt scanning work?
You photograph the receipt with the camera or pick a PDF, JPEG or PNG file (PDFs up to ten pages). Text recognition with Google ML Kit runs on the device and suggests merchant, total, date and line items. You review and correct the values before anything is saved. Free: 5 scans per month, Premium: unlimited.
How much does FinanceCounter Premium cost?
Premium costs €2.99 per month or €24.99 per year (works out at ≈ €2.08 per month). The monthly plan comes with a 14-day free trial if Google Play offers it to you. Without a trial or subscription the app opens in read-only mode (view, back up, export); the limited Free version becomes available on this device once a trial or subscription has ended. The price, term and conditions shown in the Google Play purchase dialog are binding.
Are there backups?
Yes. Backups are encrypted with your password (at least 12 characters) using AES-256-GCM and include transactions, receipts, attachments and documents. Manual backups are included in the Free version; automatic daily or weekly backups to a folder you choose come with Premium. A backup cannot be restored without its password. Restoring requires an active Premium subscription or trial.
Try FinanceCounter now
Start with the 14-day free trial if Google Play offers it. You can cancel the subscription in Google Play at any time.