MySkillGame - Apps on Google PlayMySkillGame (My Skill Game) offline educational app for children.

MyBudget - Apps on Google PlayManage money, live better. Track income and expenses offline with full privacy.

✅ Privacy Policy – MyBudget App

Surajit (the “Developer”) built the MyBudget app as a free, offline application. This service is provided by the Developer at no cost and is intended for use as is.

📌 Information Collection and Use

The MyBudget app works completely offline.

The app does not collect, store, transmit, or share any personal information.
No financial data, personal details, or usage data is sent to any external server.
All data entered by the user (such as income, expenses, or budget details) is stored locally on the user’s device only.
The Developer does not have access to any user data.
“The app may request basic internet permission for app framework requirements, but no data is transmitted to any server.”

🔐 Data Security

Since the app operates fully offline and does not use any cloud services, user data remains under the full control of the user on their own device. No internet-based data processing occurs within the app.

📱 Permissions

The Family Budget app does not require any special permissions, such as:

Camera
Location
Contacts
Microphone

The app functions without accessing sensitive device features.

🔄 Changes to This Privacy Policy

This Privacy Policy may be updated from time to time. Users are advised to review this page periodically for any changes. Any updates will be reflected on this page.

📧 Contact Us

If you have any questions or suggestions about this Privacy Policy, you may contact the Developer at:

Email: surajit.chakdaha@gmail.com

📱 Why is the Family Budget App needed?

This app does not advise you. It does just one thing—

It clearly shows where your money is going.

✅ Works completely offline
✅ No login, no server
✅ All data stays only on your mobile
✅ 100% private and secure

📌 Why is budgeting important for a family?

Income is important for running a family, but planning income and expenses is equally important.

Income is limited, but needs are endless. Without a budget—

❌ Unnecessary expenses increase unknowingly
❌ The future becomes uncertain

This app helps you to—

✔ Control expenses according to income
✔ Create opportunities for savings and investment
✔ Avoid falling into debt traps
✔ Prepare for emergencies
✔ Know how much money remains at month-end
✔ Identify unnecessary expenses
✔ Ensure savings for future needs
✔ Become self-reliant during crises or natural disasters

🧾 How this App helps Tax Filers & Business Owners

Many people who file Income Tax realize at the end of the year that they cannot clearly remember where and how they spent their money.

This app helps them by keeping a day-to-day record of expenses, so yearly tax filing becomes easier, accurate, and stress-free.

For those involved in business or trade, this app is also very helpful during GST filing. It clearly shows:

✔ Where business money was spent
✔ How expenses were distributed
✔ Which costs were business-related

👨‍👩‍👧 Responsibility towards Family

Someone in the family must take this responsibility seriously. Instead of spending the entire day on Facebook, YouTube, or games, try to take a small responsibility for the family.

Every evening, write down:

✔ Who spent money
✔ Where it was spent
✔ How much was spent

Do this consistently for at least one month. You will see the difference yourself—

✔ Expenses will come under control
✔ Savings will start increasing
✔ Family life will become more peaceful and happy

💡 Small habits create big financial discipline.

📱 How does this app help?

✔ Record daily income and expenses separately
✔ View monthly total income and total expenses
✔ Maintain a separate emergency fund
✔ Track future savings
✔ Understand finances clearly through reports and charts

📘 Simple language, clean design, and regular budgeting habits are the core strengths of this app.

🛡️ Loan Guide

1. Simple Guidelines for Using the Family Budget (Loan Page)

Know the core benefits before using this app:

"Completely Offline:" You do not need any internet connection to run this. Your data is secure as it stays on your device.
"Zero Cost:" You will not spend a single penny to use the app or any of its features.
"Avoid Loan Fraud:" Accurate calculation of EMI, remaining Principal, and outstanding reports will help you cross-check the information provided by financial institutions. Thus, no one can cheat you regarding your loan.

How to work on the Loan Page? (User Guide)

"Add Loan Details:" Input the 'Total Loan Amount', 'Interest Rate', and 'Tenure (in months)'.
"Automatic EMI Calculation:" As soon as you input the three pieces of information above, the 'Monthly EMI' field will automatically calculate your monthly installment amount.
"Payment Record:" Go to the 'Repay Loan' tab, select the loan, and record the amount (Principal, Interest, or EMI) you have paid along with the date. The app will automatically keep track of your remaining Principal.

2. Financial Education: Make Money Work for You

Financial Literacy is not just about saving money; it's about understanding the psychology of money and making money work for you. Below are some important financial concepts that will help you make stronger decisions:

Understand the Difference between Asset and Liability

What brings money into your pocket is an "Asset" (e.g., rental property, stock, Gold, ETF etc. ). And what takes money out of your pocket (e.g., a car bought on loan that has maintenance costs) is a "Liability". Your goal should be to build Assets, not Liabilities.

The Magic of Compounding (Power of Compounding)

Einstein called it the "eighth wonder of the world." By investing a small amount of money regularly from a young age, interest upon interest grows at an exponential rate, turning into a large sum in the long run. Time is your biggest friend here.

Inflation is the Enemy of Your Idle Money

If you leave money in the cupboard, its purchasing power decreases over time. It is crucial to invest your money in places that can beat inflation (where returns are higher than inflation). Money needs to be grown, not just saved.

'Pay Yourself First'

Instead of trying to save what's left after spending at the end of the month, immediately set aside a certain portion (e.g., 10% to 20%) for saving or investing right after earning. Then cover your expenses with the remaining money.

Good Debt vs. Bad Debt

Debt that helps increase your income (e.g., loan for business or education loan) is "Good Debt". On the other hand, high-interest loans taken for consumption (e.g., Credit Card Loan or Personal Loan) are "Bad Debt".

Diversified Income

Relying solely on a single source of income (e.g., only salary) is risky. Learn to create multiple income streams so that even if one stops, your family's standard of living does not halt.

Tax Management

Instead of fearing tax, learn how to save tax legally by following tax laws. By using various government tax exemption schemes, you can save a significant amount of money annually.

"Remember:" This app is the first step towards financial control. Through proper planning, you can escape the middle-class debt trap.

🛡️ Insurance Guide

🛡️ Why is Term Insurance Important?

Term insurance is the true financial shield for a family. It provides high coverage at a very low cost compared to endowment plans.

📊 Endowment vs Term Plan

✔ Premium: High in endowment, very low in term
✔ Coverage: Low (₹5–10 lakh) vs High (₹1 crore)
✔ Maturity: Endowment returns money, term does not

⚠️ Disclaimer

Buying insurance is a personal decision
Generally suitable for those earning ₹2.5 lakh or more annually
This information is for awareness and education only
Please consult an expert before buying any policy

🔮 Future Goal Planner: Explanation & Usage Guide

🎯 Why Setting Goals is Necessary and How to Secure Your Future?

The foundation of a secure future is setting specific financial goals. Without a goal, savings lack a specific purpose. As a result, unnecessary expenses often occur, or less is saved than required. A clearly defined goal ensures that your current savings will fulfill a specific need in the future.

Real-life Examples

Your child aspires to be a doctor. The education cost today is about ₹10 Lakh. This money will be needed in about 12 years. Therefore, it is necessary to save towards this goal step-by-step starting today.
You wish to buy a new iPhone in 5 years. Let's assume the price today is ₹1 Lakh. The price may increase further in 5 years, so planning based on the future cost is essential.
Even without a regular income during retirement, to ensure your lifestyle remains stable, it is necessary to set a Retirement Goal well in advance.

Why Set Goals?

Goals give your savings a specific direction. You know exactly why you are accumulating money.
By accounting for inflation, you can anticipate the actual money required in the future.
It becomes easier to decide whether to save via SIP or a Lump Sum deposit.

💰 Why Use the Future Goal Planner?

To clearly plan your future financial goals.
To calculate the required future corpus by factoring in inflation.
To determine the exact monthly SIP amount or the one-time Lump Sum needed.
To track the total money saved up to the current date.
To clearly see the remaining balance required for each goal.
The planner ensures you save regularly without forgetting your long-term objectives.

📝 How to Use This Planner

Select your goal type, such as Child's Education, buying a mobile, Retirement, etc., from the Goal Type dropdown.
Enter the money required for that goal in today's terms.
Enter the timeline, i.e., how many years later this money will be needed.
Provide the Expected Return and Inflation rates (you can keep the default values if unsure).
Select whether you want to save via SIP or a Lump Sum deposit.
Click the "Add Goal" button.
Use the "Add Money" option to record the details every time you deposit money.
View your progress from the Goal List, Report, and Chart.

✨ Let's Pause and Think

Not all decisions are the same — but a little thought can make things much easier.

These are not rules or advice. These are a few simple questions you can ask yourself before spending.

1. Is it really necessary?

Is that expensive luxury item needed right now, or can it wait? Am I buying it just because there's an offer? Is there a cheaper or alternative option?

2. How will I feel later?

Will this expense feel normal a few months from now, or might it become a source of stress?

3. Is this moving me forward, or just increasing expenses?

Will this expenditure be useful in the future, help increase my income? Or is it limited only to momentary pleasure?

🏆 Hobbies: Enjoyment, Not Stress

It is perfectly normal to have hobbies — and fulfilling them is not a bad thing.

Just keep in mind that the hobby expense should comfortably align with your income.

If possible, buy with saved money. If it involves debt or EMI, stress might replace joy later on.

🎯 A Small Real-Life Example

Suppose a special costume is needed for your daughter's school dance performance. If you buy it at full price, knowing it will only be used once, it might just lie in the closet later.

Instead, if you rent it, the task is accomplished, and unnecessary expense is avoided. Often, these small decisions make a big difference.

Everyone learns according to their own situation. If these words help someone pause and think — that is enough 🙂

Family Budget App: Essential Expense Tracking

1. Necessity and Goal of These Sections

These three areas represent the most volatile parts of a budget. Although not fixed, they can constitute a significant portion of total spending. The goals of these sections are:

"Observation:" To clearly know where the most money is spent at the end of the month.
"Awareness:" To identify personal weaknesses by tracking 'Unnecessary' expenses.
"Planning:" To set a limit and plan ahead for major expenses like travel.
"Comparison:" To compare Event/Ceremony costs year over year and create opportunities for reduction.

2. App Guide and Usage Instructions

✈️ Travel Expense

Travel costs are often erratic. Therefore, tracking them is essential:

"When to Track:" Record all expenses from the start of the journey until returning home.
"Segmentation:" Use the correct categories like 'Bus Fare', 'Hotel', 'Food', 'Sightseeing', etc. This will tell you which aspect of travel costs the most.
"Goal:" Ensure your travel budget does not go out of control.

❌ Unnecessary Expense

This section is the most important test of your financial discipline. Remember, today's small unnecessary expenses hinder the achievement of your big future goals:

"Be Honest:" Be truthful about whether an expense was truly necessary. Include everything here: fast food, online shopping, or gaming recharge.
"Savings Opportunity:" Look at the 'Total Unnecessary Expense'. Consider how much more you could invest each month if you saved this money.
"Mental Control:" The goal of this section is not to create guilt, but to build the capacity for self-control.

🎉 Small Event Expense

Costs for Pujas, parties, or relatives visiting are usually not isolated in the annual budget, but they strain the total expenditure:

"Detailed Record:" Record expenses for any small Puja, birthday party, or guest entertainment here.
"Annual Review:" Check how much these 'optional' expenses totaled at the end of the year. This accounting will help you create a realistic event budget for the next year.

3. Commentary: The Silent Killer

The Silent Killer: Your main budget is usually not broken by fixed monthly expenses (like rent, EMI, groceries). Instead, the small, seemingly innocent expenses accumulated at the end of the month, especially the money collected in the "Unnecessary Expense" section, destroy your monthly savings goal.

A fast food item or drink costing ₹10 every day may seem small, but if multiplied by 30 days, it becomes a significant sum. If this money were saved or invested, the power of compounding could change your future.

MyBudget App

Surajit Roy, Chakdaha, Nadia, West Bengal, India

Manage Money, Live Better.