Wise Money.

Wise Money is a personal finance tracker built on a simple promise: your financial history never leaves your phone. There is no account to create, no server to trust and no sync to turn off — the entire ledger lives in an on-device database, so the app behaves exactly the same in airplane mode as it does online.

Behind the calm interface sits a real double-entry ledger. Every income, expense and transfer is recorded as balanced lines against your accounts, which is what keeps net worth, per-account balances and debt positions reconciled instead of drifting. Debts are tracked in both directions with due dates and settlement, spending sources are ranked by how often you actually use them, and the whole ledger can be exported as a plain, readable backup file that belongs to you.