RizKharj – Expense Tracker

RizKharj is a calm, precise tracker for your income and expenses, made for people whose money moves between currencies and countries. It is completely free: every feature for everyone, with no ads, no tracking and no subscription. There is no account to create and no RizKharj server: your records stay on your iPhone or iPad, and the app works offline. Use it in English, German or Persian, with the Gregorian or the Solar Hijri (Shamsi) calendar.

EVERYDAY TRACKING
• Unlimited transactions: expenses, income, transfers between accounts, and money lent to or borrowed from people
• Unlimited accounts, savings goals, people, recurring transactions and loans
• Categories and subcategories with over 340 icons, plus notes and tags
• Split one purchase across several categories
• Receipt photos on transactions
• Separate books, for example work and personal

ANY CURRENCY
• 156 currencies, with every account in its own currency
• Enter a single transaction or debt in another currency: the amount charged to the account is suggested from your last such transaction or your exchange rate, and you can change it to the figure on your bank statement
• Your own exchange rates in either direction, or a one-tap update from European Central Bank reference rates (major currencies)
• The total shows your main currency; other currencies are listed separately with an approximate value

BUDGETS AND PLANNING
• Monthly or weekly budget, plus a budget for every category
• Savings goals, recurring transactions with reminders, and a loan tracker based on your bank's terms
• Bills and subscriptions calendar with reminders before they are due
• Debt payoff planner: smallest debt first or most expensive first
• Family and partner mode: record who paid, mark shared expenses and see a monthly settlement

REPORTS
• Averages, savings rate and share per category, plus a calendar of your daily spending
• Trends across months and weeks, month-end forecast, month-to-month comparison, net-worth history and a…