Klaro Ledger

Klaro is a personal finance app that keeps your money on your phone — no account, no ads, no tracking. It logs your spending for you by reading your bank's payment alerts on the device (no bank connection), and when you open it you get a plain-English "here's how you're doing" up top, with the charts and detail underneath if you want them. You can share a private, end-to-end-encrypted space with your partner, and one subscription covers you both. Android, with a free trial.