Understand your cash flow.
Track income, expenses, accounts, budgets, bills, subscriptions, and recent transaction activity in one Android app.
Local-first personal finance app
LT Smart Money: Budget & Finance
Organize personal spending, budgets, bills, savings goals, debt payoff, and wallet records on your Android device, with optional Gemini-powered educational insights only when you opt in.
Local Room database
AI disabled by default
CSV export and local erase
Local
Financial records are stored on the device by default.
AI
Gemini Advisor remains off until the user enables it.
CSV
Export local accounts, transactions, and budgets.
Erase
Clear local wallet data from inside the app.
Built for personal control
Track money without turning every record into a cloud account.
Plan savings and debt payoff.
Set savings targets, record contributions, monitor debt balances, and keep upcoming money obligations visible.
Ask optional AI questions.
Enable the Gemini Advisor only when you want educational summaries based on selected wallet context.
Core workflows
A practical finance companion for budgets, goals, bills, debt, and data control.
Dashboard
Review net worth, cash, investments, debt, recent transactions, and personal money movement.
Budgets and Feed
Record transactions, group spending by category, and monitor budget limits with simple progress views.
Savings and Debt
Track savings goals, contributions, debt balances, interest notes, and payoff progress.
Privacy Controls
Use opt-in AI, default sensitive-data redaction, CSV export, and full local data erasure.
Privacy summary
Offline-first by default, transparent when AI is enabled.
LT Smart Money: Budget & Finance stores manually entered financial records locally on the device. The optional Gemini Advisor is disabled by default. If you enable AI and submit a question, the app may send your prompt and selected finance context to Google's Gemini API over HTTPS so the advisor can respond.
- No account creation is required for standard app use.
- No location, contacts, camera, SMS, call log, or health permissions are requested.
- AI redaction is enabled by default before Gemini requests are sent.
- Users can export CSV data and clear locally stored app data.
Privacy-first finance tracking
Enter. Track. Export.
Keep your daily money records on your device, then use export and erase controls when you need to move or clear your data.
Important limitations
Use LT Smart Money as a personal tracking tool, not regulated financial advice.
No banking automation
LT Smart Money is designed around user-entered records and planning views. It does not move money or replace a bank.
No professional advice
AI output and app calculations are educational estimates. Seek qualified professional advice for financial, tax, credit, lending, legal, or investment decisions.
User-controlled exports
CSV exports may contain sensitive financial data. Share exported files only with apps and people you trust.
Store QR access
Scan for LT Smart Money.
Use the Google Play QR for the Android package route. Use the iOS QR to contact support for App Store availability updates until the iOS listing is ready.
Google Play
Android package route
Scan to open the Play Store route for package com.aistudio.ltwallet.zkqpwc.
iOS
App Store updates
Scan to request iOS availability updates from LIMOCON TECHNOLOGIES.