Tijori

Most finance trackers want an account, a bank link or a server, so your spending history lives with someone else. Tijori is for people who log money by hand and want it to stay on their phone. It’s India-first — rupees, lakh and crore, UPI, cards and EMIs, financial-year recaps — with eight other countries supported.

Expense, income and transfer entry with an amount-first keypad; monthly budgets with alerts and a safe-to-spend-per-day figure; credit cards with billing cycles and due dates; loans with generated EMI schedules; and net worth rolled up from accounts, investments and assets.

The database is SQLite through GRDB, built against SQLCipher, with a 256-bit key in the Keychain. Backups are AES-256-GCM, keyed from the user’s PIN through Argon2id.

iOS can’t run code when a local notification fires, so recap teasers are recalculated and rescheduled whenever the data changes, and a priority allocator keeps dues, renewals and recaps inside iOS’s 64-notification limit. Widgets never open the database: they read a totals-only snapshot the app writes to a shared container.

In TestFlight with internal testers. No account, no server, no analytics — the Release build contains no networking code.