We're the team at AiRedHQ building YojIQ, an Android money planner for salaried people in India.
It has no internet permission at all: no sign-up, no bank linking, no ads, no tracking. Everything stays on the phone, and backups are encrypted files you keep yourself.
The trade-off is that it can't read your bank SMS or sync across devices, so you add expenses yourself. For you, is that a deal-breaker or a feature? What would make you trust (or not trust) a finance app with your numbers?
YojIQ is an Android money planner for salaried people in India. It shows the money left till payday and a safe amount to spend today, splits your salary into Needs, Wants and Savings, and splits bills with flatmates and friends. Then it gives you a plan in order: emergency fund, health cover, term cover, then SIP. It has no internet permission: no sign-up, no bank linking, no ads, no tracking. Your data stays on your phone.
