USER GUIDE

Contents

1. Welcome to BudgetWise

BudgetWise is a personal finance management app designed to help you keep your everyday money records organized in one place. You can track accounts, record income and expenses, separate investments and transfers, create budgets, set savings goals, and review reports.

What you can do

• Maintain Cash, Bank, Card, Wallet, Savings and other financial accounts.
• Record Income, Expense, Investment and Transfer (From one account to another) transactions.
• Create category-based monthly or custom-period budgets.
• Set recurring budgets and recurring transactions for regular money activity.
• Create Savings Goals or Account Goals and track progress.
• Analyze spending, income, investments, budgets, goals and trends.
• Export reports as CSV or PDF, print them, or share a PDF by email.
• Create a backup of your BudgetWise data and restore it when needed.
• Protect access to the app using the device authentication supported by Device App Lock.

2. Getting Started

Create or access your account

Open BudgetWise and use the available sign-up or sign-in method. The app supports email/password authentication and Google sign-in. If email verification is requested, complete it before trying to use a protected account.

Recommended first-time setup

1. Sign in to BudgetWise.
2. Open Accounts and add the accounts you actually use, such as Cash, your primary bank account, wallet or card.
3. Enter the correct Initial Balance what you have actually, when creating each account (For example Cash: Initial balance 5000; HDFC Bank: Initial Balance 40000 etc).
4. Choose one frequently used account as your Default Account.
5. Review Manage Categories in Profile and make sure your common income and expense categories are available, if not then you can create new categories as per your requirements.
6. Record a few recent transactions, then review Home and Reports to understand how your data is presented.

3. Understanding the Home Dashboard

Home is the at-a-glance view of your finances. The current app places the most common actions and summaries on one screen.

Quick Actions

At the top of Home, use Quick Actions for adding a new transaction like - Income, Expense, Budget and Goals. You can also use Add with Voice for faster transaction entry.

Current Balance

Current Balance represents the combined balance used by the dashboard. Use the eye control to hide or reveal financial values when you want more privacy on screen.

Account Balance Distribution

The account balance chart helps you understand how your money is distributed across your active accounts.

Monthly Snapshot

The monthly snapshot summarizes the selected month's Income, Expense and Investment activity. Changing the month changes month-based activity and summaries; account balances remain cumulative.

Budget & Goal Summary

Budget Summary shows your budget progress and remaining amount. Goal Summary shows combined progress toward your goals. Tap these areas to open their detailed screens.

Recent Transactions

Recent Transactions shows records for the selected month, giving you a quick way to verify recent money activity.

4. Managing Accounts

Accounts represent where your money is held or tracked.

Add an account

1. Tap Accounts in the bottom navigation.
2. Tap the + button.
3. Enter an Account Name, for example SBI Bank, Cash or Paytm.
4. Choose the Account Type.
5. Enter the Initial Balance.
6. Optionally enable Make this the default account.
7. Tap Save Account.

Edit, view or archive an account

From Accounts, tap an account to view its details. Use the edit icon to change editable account information. Use the more-options menu for account actions such as archiving. Archived accounts can be opened from the archive icon in the Accounts screen.

5. Recording Income, Expenses, Investments & Transfers

The Records area is the transaction center of BudgetWise. The Add Transaction screen currently supports four transaction types.

Add a transaction

1. Open Records, or use Income/Expense from Home Quick Actions.
2. Choose the Transaction Type.
3. Enter the amount and the transaction details shown on the form.
4. Select the source Account.
5. For Income or Expense, choose the relevant Category when required.
6. For Investment or Transfer, select the destination account when the app asks for it.
7. Check the transaction date and other details.
8. Tap Save Transaction.

6. Managing Categories

Categories make reports and budgets meaningful by grouping similar transactions.

1. Open Profile.
2. Tap Manage Categories.
3. Add, edit or remove your income and expense categories as needed.

Use clear categories such as Groceries, Dining, Fuel, Rent, Salary or Freelance Income. Avoid creating multiple categories that mean almost the same thing unless you genuinely want them reported separately.

7. Creating & Managing Budgets

Budgets let you define how much you plan to spend for an expense category during a selected period.

Create a budget

4. From Home, tap Budget, or open the Budgets screen through the app.
5. Tap + to add a budget.
6. Select an Expense Category.
7. Enter the Budget Limit.
8. Choose the Start Date and End Date.
9. Save the budget.

The Budgets screen shows Total Budget, Spent and Remaining amounts for the selected month. Existing expense transactions within the budget period contribute to spending progress.

8. Setting Financial Goals

BudgetWise supports two goal styles.

Savings Goal

Use a Savings Goal when you want to manually track progress toward something such as an emergency fund, trip, gadget or down payment. You can use Add Money on the goal to increase the saved amount.

Account Goal

Use an Account Goal when the goal should follow the balance of a selected account automatically. For example, you can set a target for a dedicated emergency-fund account.

Create a goal

10. Open Goals from Home.
11. Tap +.
12. Choose Savings Goal or Account Goal.
13. Enter the Goal Title or Goal Name.
14. For an Account Goal, select the account to track.
15. Enter the Target Amount.
16. For a Savings Goal, enter Already Saved if applicable.
17. Choose the Target Date.
18. Save the goal.

9. Recurring Budgets & Transactions

Recurring features are useful for predictable financial activity such as EMIs, subscriptions, salary, savings contributions or repeating budgets.

19. Open Profile.
20. Tap Recurring Budgets & Transactions.
21. Choose the Budgets or Transactions tab.
22. Tap Add Budget or Add Transaction.
23. Configure the amount, recurrence and next date requested by the form.
24. Save the recurring item.

Recurring items can be edited, activated/deactivated, or deleted from the recurring screen. The app processes recurring items when an authenticated session loads the main app.

10. Reports & Insights

Reports turn your transaction history into a clearer picture of where your money comes from, where it goes and how your plans are progressing.

Report tabs

• Overview — a broad summary of financial activity.
• Spending — expense-focused analysis.
• Income — income-focused analysis.
• Investment — investment-focused analysis.
• Budget — budget performance.
• Goals — goal progress.
• Trends — changes over time.

Filters

Use the report filters to narrow the data you are analyzing. Available filters and transaction types adapt to the report tab so that, for example, Spending remains expense-focused and Investment remains investment-focused.

Export a report

25. Open Reports.
26. Apply the filters you want represented in the report.
27. Tap the Export report icon.
28. Choose Export CSV, Export PDF, Print PDF or the available PDF email/share action.

11. Voice Entry

Add with Voice is available from Home for quicker transaction entry.

29. On Home, tap Add with Voice.
30. Allow microphone access when Android asks for permission.
31. Speak the transaction naturally and clearly.
32. Review the information BudgetWise has prepared.
33. Correct any details that need adjustment before saving.

12. Backup & Restore

BudgetWise includes an in-app backup and restore workflow.

Create a backup

34. Open Profile → Backup & Restore.
35. Choose Save to Device to create a local backup, or Share Backup to send/store a copy elsewhere.
36. Keep the backup file in a location you control and can find later.

Restore a backup

37. Open Profile → Backup & Restore.
38. Tap Select Backup File.
39. Choose the BudgetWise backup file.
40. Review the restore preview.
41. Confirm Restore data only when you are sure.

13. App Lock, Privacy & Profile

App Lock

42. Open Profile.
43. Turn on App Lock.
44. Authenticate using the device method supported by your phone.

The App Lock screen describes support through device authentication such as Face ID/biometrics, fingerprint, PIN, pattern or password, depending on what your device provides.

Other Profile options

• Manage Categories
• Recurring Budgets & Transactions
• Backup & Restore
• Privacy Policy
• Terms & Conditions
• Data & Permissions
• Open Source Licenses
• Frequently Asked Questions
• Contact Us
• About BudgetWise
• Logout

14. Recommended BudgetWise Routine

You do not need to spend a lot of time managing BudgetWise. Consistency matters more than complexity.

15. Frequently Asked Questions

16. Quick Reference