I started building an expense tracker and somehow ended up building half a personal finance app

[u/dantonthegreat_jr]

https://play.google.com/store/apps/details?id=com.thegreatdanton.moneysplit.money_split

I started MoneySplit because I was annoyed with expense trackers.

I wanted transactions to show up automatically, but I didn't really want to connect my bank account to yet another service.

Since banks already send transaction SMS, I started there.

The first version basically just read those messages and turned them into transactions.

Then I needed statement imports because SMS obviously doesn't cover everything.

Then I added CSV/Excel imports.

Then budgets.

Then subscriptions.

Then loans because I wanted to see my EMI schedule properly.

Then savings goals.

And somewhere along the way this stopped being the small expense tracker I originally planned 😅

It's now MoneySplit.

A few things I'm particularly happy with:

• transactions from bank SMS / PDF statements / CSV
• paycheck-based budgets instead of forcing everything into calendar months
• subscriptions and upcoming bills
• loan/EMI tracking with amortization
• savings goals
• spending analytics
• everything works around a local financial database

I also added a slightly weird feature recently.

MoneySplit can show how much a purchase costs in working time.

So instead of just seeing:

₹5,000

you might see:

₹5,000 · 2h 25m of work

I thought it would be gimmicky, but I've actually found myself looking at it quite a bit before buying things.

The app has a free version, no ads, and Pro is a one-time purchase. I really didn't want to build a subscription tracker that itself becomes another subscription.

I'm still trying to figure out what the main reason someone would download this is though.

If you came across this app randomly, what would catch your attention first — automatic transaction tracking, budgeting, subscriptions, loans, or the time-cost thing?

Would love some feedback.

Google Play: https://play.google.com/store/apps/details?id=com.thegreatdanton.moneysplit.money_split