CiviQ is a personal finance app for tracking expenses, income, budgets, savings goals, subscriptions, loans, and shared bills — all in one place.
What CiviQ does
- 🧾 Logs every expense against a bank, wallet, or cash account
- 💰 Records income from salary, freelance, business, rental, bonus, gift, or other sources
- 📊 Tracks monthly budgets per category and warns when you're close to the limit
- 🎯 Tracks savings goals with target amounts and deadlines
- 🔄 Lists recurring charges with their real renewal dates — not a ÷ 12 average
- 🏦 Tracks bank loans with EMI schedules, payoff dates, and a prepayment calculator
- 🤝 Splits expenses with people you already have in CiviQ
- 🖥️ Groups linked purchases into multi-component projects
- ✈️ Lets you log expenses via the Telegram bot
- 📄 Generates reports as PDF or XLSX
- 📡 Works offline — entries sync when you reconnect
What CiviQ is NOT
- ❌ Not a bank — it does not hold your money
- ❌ Not connected to your bank — it does not read SMS or statements
- ❌ Not an investment platform