What is Gro Money Planner & Budget Tracker?

Gro Money Planner & Budget Tracker is a comprehensive financial management app that helps you track expenses, manage budgets, and plan for financial independence (FIRE). It includes features like expense tracking, budget analysis, net worth tracking, and secure data encryption.

Is Gro Money Planner & Budget Tracker free to use?

Yes, Gro Money Planner & Budget Tracker is completely free to use with all its core features including expense tracking, budget management, and FIRE planning tools.

How secure is my financial data with Gro?

Gro Money Planner & Budget Tracker uses bank-grade security encryption to protect your financial data. Your information is stored locally on your device and can be securely backed up to your google drive storage.

Gro towards your financial freedom!

From daily transaction tracking to achieving FIRE (Financial Independence, Retire Early), Gro provides the tools and insights you need to manage your money effectively and reach your financial goals.

Unlock Your Financial Potential with Gro

Gro is designed to empower you with a comprehensive understanding and control over your personal finances. From daily transaction tracking to long-term financial planning like achieving Financial Independence, Retire Early (FIRE), Gro provides the tools and insights you need to manage your money effectively and reach your financial goals.

Bank-Grade Security

Your data's security is our priority. Enjoy peace of mind with end-to-end encryption, on-device password, PIN code, pattern lock, fingerprint, and secure backups.

Financial Independence, Retire Early (FIRE)

Plan for early retirement with our dedicated FIRE section. Calculate your 'FIRE Number' and use the timeline projector to map your journey to Financial Independence.

Accounts. Transactions. Transfers

Track accounts, transactions, and transfers. Manage various account types, categorize income/expenses, and move money easily.

Automated Repeat Transactions

Simplify your finances by setting up recurring entries for regular bills, income, or expenses. Gro handles them automatically.

Advanced Analytics

Explore your financial data with detailed income insights, expense deep-dives, savings progress, investment trends, and compare active vs passive income.

Customizable Categories

Tailor tracking to your needs. Create, edit, or delete categories with custom names, colors, and icons for precise organization.

Budget & Targets

Set spending limits with expense budgets and income targets. Define them monthly or yearly and link to transaction categories.

Assets & Net Worth

Monitor bank accounts, real estate, vehicles, and investments. View your up-to-date net worth and track its growth.

Debts & Liabilities

Manage loans and IOUs. Track balances, payment schedules, and view detailed amortization schedules for your debts.

Global Accessibility

Select your primary currency and use Gro in your preferred language with comprehensive localization support.

Import Transactions

Get a head start or migrate data easily. Import existing financial records from CSV files to quickly populate Gro.

Secure Cloud Backup & Restore

Safeguard your data with encrypted Google Drive backups. Easily restore your information on any device, ensuring peace of mind.

Explore Gro

Gro is intuitively organized into main tabs and key management areas, ensuring you can easily find what you need. When you first open the app, you might be greeted by a Setup Guide. Follow these prompts for a smooth start.

Setup Guide: Your Onboarding Companion

Gro features a comprehensive Setup Guide, often accessible as a prominent header on the Money Tab. Tapping it opens a dedicated page to walk you through key app functionalities, organized into sections like "Getting Started," "Ready to Plan Your Finances?," and "What Do Your Finances Say?". Each item is interactive, guiding you to relevant app areas.

Key Setup Steps Covered:

Setting up accounts and customizing categories.
Importing or adding your first transactions and making transfers.
Creating budgets, tracking assets/debts, and setting up repeat transactions.
Exploring FIRE planning and introductory analytics.

Money: Your Daily Financial Hub

This is your primary interface for daily transaction tracking, account overview, and immediate insights. Key components include:

Account Selector

Located typically in the app bar, this allows you to filter the Money tab's view for specific accounts or see a total of all accounts.

Insights Overview

Quickly grasp your financial standing with views for:

Savings: Net savings (Income - Expenses) for the selected period.
Expenses: Breakdown by category, compared against budgets.
Income: Sources by category, compared against targets.
Transfers: History of inter-account transfers.

Transactions List

View, filter (by account, period, type, category), sort (by date, amount), and search your transactions. The innovative draggable Floating Action Button (FAB) is your main tool for adding new entries.

Accounts: Centralized Account Management

Manage all your financial accounts here. To get started, navigate to account management (often via the Account Selector in the "Money" tab's app bar or a dedicated "Accounts" area) to add your bank accounts (checking, savings, cash), credit cards, etc. This is crucial for accurate tracking.

Key Features:

Add & Manage: Create and edit various account types.
View Balances: See a list of accounts with current balances.
Edit Details: Modify names, types, starting balances, colors, and icons.

Plans: Strategic Financial Planning

This section is dedicated to your long-term financial strategy and goals. Each module within the Plans tab often has its own detailed information dialog (look for an info icon 'i' or '?') explaining its purpose and how to use it.

Budget & Targets: Set spending limits (Expense budgets) or income goals (Income targets). Define them monthly or yearly and link transaction categories.
Assets & Net Worth: Track what you own (real estate, vehicles, investments). Your 'All Bank Accounts' asset is auto-calculated. This helps understand your Net Worth (Assets - Liabilities).
Debts & Liabilities: Manage loans and other IOUs. Track balances and view amortization schedules.
Financial Independence (FIRE): Plan for early retirement. Calculate your 'FIRE Number' and project timelines.

Analytics: Deep Dive into Your Data

Explore advanced analytics and visualizations to identify trends and gain profound insights. This area is typically organized with sub-tabs for focused analysis:

Overview Dashboard: A high-level snapshot of your financial health (net worth, savings rate, income vs. expenses).
Expense Deep Dive: Detailed breakdown of spending habits (by category, trends, Need vs. Want).
Income Insights: Thorough examination of income sources (by category, Active vs. Passive, trends).
Savings & Net Worth Trends: Progress in wealth accumulation and savings goals.
Reports & Comparisons: Customized reporting like cash flow statements and period-over-period comparisons.

Grid Menu Options

A common feature, often a grid icon on the Money tab, provides quick access to:

Categories: Access and manage your transaction categories. Customize names, icons, and colors to fit your needs.
Transfers: Initiate and view inter-account transfers.
Repeat Transactions: Set up and manage recurring transactions to automate logging for regular bills or income.
Import Transactions: Import transaction data from external files (e.g., CSV).

General App Settings & Features

Accessible usually via a settings icon (⚙️), here you can configure:

Theme Support: Choose between Light and Dark themes.
Multi-Currency Support: Set a primary currency and manage finances across different currencies.
Multi-Language Support: Use Gro in your preferred language.
Backup & Restore: Secure and restore your financial data.
Data Management: Options like "Delete and Start Fresh" for a clean slate (use with caution).