A ledger you can actually search
Log expenses, income and transfers between your own accounts. Search titles and notes, and filter by type, category, account or month. Deleted something by mistake? Undo it.
On-device · No account
Money,
Money,
quietly kept.
A budget tracker that lives only on your phone. Budgets, bills, goals and debts in one calm ledger, with no cloud, no sign-in and no tracking.
Coming soon toGoogle Play
Coming soon to theApp Store
Quick add
Type it the way you'd say it.
Write a short line and tamaru fills in the amount, date, currency and category. It understands English and Spanish, learns categories from your own entries, and runs entirely on your phone. There's no AI service and no network involved.
coffee 4.50
- Type
- Expense
- Amount
- $4.50
- Title
- Coffee
- Date
- Today
- Category
- Dining
Try
Everything in the app
A full money toolkit, on one phone.
No bank connection needed. You add what you spend, and tamaru shows you what it adds up to.
Budgets per category
Set a monthly limit for any category. tamaru shows when you're on track, when you pass 80%, and when you go over. Limits reset on the 1st.
Recurring bills, spotted for you
Track weekly, biweekly, monthly, quarterly and yearly payments. Mark one paid in a tap, skip it or pause it. tamaru also points out entries that look recurring in your history.
Insights that explain the month
See spending, income, net and savings rate compared with last month. Follow your running total against last month, spot heavy days on a spending calendar, and see which categories and merchants take the most. Add a note to remember what happened.
A forecast for month end
Using your recent pace and your usual spending on each day of the week, tamaru estimates where the month will land, with a likely range.
Savings goals
Set a target with an optional date, and tamaru tells you how much to set aside each month. Add or withdraw money as life happens.
Debts, with a payoff plan
Record each debt's APR, minimum payment and due day, and see how long paying the minimum takes and what it costs in interest. Compare snowball and avalanche plans, with an optional extra payment each month.
Accounts and 40 currencies
Keep cash, checking, savings and credit cards apart, each with its own starting balance. Log entries in any of 40 currencies, with optional exchange rates for 30 of them.
Categories that fit your life
Start with 20 built-in categories, then add your own with an icon and color. Reorder or archive them, and move entries elsewhere before you delete one.
Privacy
What leaves your phone.
Almost nothing. There's no tamaru server to send your data to. Here is the full list.
Data
Leaves your phone?
Entries, budgets, goals, debts, notes
Never
Account, email or sign-in
There isn't one
Analytics, crash reports, ads
None in the app
Exchange rates Optional · off by default
Only if you turn rates on. tamaru then sends your main currency code, and nothing else, to Frankfurter (European Central Bank rates) over HTTPS. Like any web request, it reveals your IP address to that service.
App lock
Unlock with fingerprint, Face ID or your device passcode. tamaru locks again after 30 seconds in the background.
Encrypted storage
On Android, the database is encrypted with SQLCipher using a 256-bit key protected by the Android Keystore. On iPhone, it's protected by iOS Data Protection.
Out of sight
Tap your balance to hide every amount. tamaru stays covered in the app switcher, and on Android it blocks screenshots by default.
Your data
Your records, in files you control.
Nothing is stored in the cloud, so you decide where copies go.
Full backup
Export everything to a single JSON file and keep it wherever you like.
CSV export
Open your entries in any spreadsheet. The file is protected against formula injection.
Restore
Load a backup onto a new phone. Restoring replaces the data currently on that device.
Delete everything
Erase all data in one step. You confirm by typing delete.
Pricing
Pay once. Keep it.
One price, every feature, with no subscription and nothing to unlock later.
tamaru · one-time purchase
$9.99
US price. Google Play and the App Store set the price in your local currency.
Coming soon toGoogle Play
Coming soon to theApp Store
- Every feature on this page: budgets, recurring bills, insights, forecast, goals, debts and 40 currencies
- Future updates included at no extra cost
- No subscription and no in-app purchases
- No ads, no account, no tracking
- tamaru runs on your phone, not on our servers. With no cloud to maintain, there's nothing to rent you every month.
FAQ
Questions, answered plainly.
Does tamaru connect to my bank?
No. You add entries yourself. Quick add makes most entries a few seconds of typing, and you never hand your bank login to anyone.
Is quick add powered by AI?
No. It's a set of rules that runs on your phone. It reads the amount, date, currency and category from English or Spanish text, and learns your categories from your past entries. Nothing is sent anywhere.
Can I use tamaru on two devices?
There's no sync. To move your data, export a backup on one device and restore it on the other. Restoring replaces the data already on that device.
What happens if I lose my phone?
Your data can only be recovered from a backup you exported. tamaru has no server copy, and it's left out of phone backups on purpose.
Which devices and languages are supported?
Android 10 or later and iOS 17 or later, in English and Spanish. The app follows your system's light or dark theme unless you pick one.
How much does it cost?
$9.99, paid once when you download it (US price; each store sets the local price). Every feature and future updates are included. There are no subscriptions, in-app purchases or ads. Refunds are handled by Google Play or the App Store under their policies.
Small entries. Big picture.
tamaru is coming soon to Android and iPhone. $9.99, once.
Coming soon toGoogle Play
Coming soon to theApp Store