No account, no server
There is nothing to sign up for. Your accounts, records and budgets are written to your device's own storage — we have no copy of them.
Bear Wallet · Personal finance
See your whole financial picture.
A free personal-finance app that works entirely on your phone. Track spending, accounts, assets and debts, set limits that actually hold, and see the whole picture across every currency you use.
Free · No ads · No account · Works offline
- $0
- Price, forever
- 0
- Ads shown
- 0
- Accounts required
- 100%
- Data kept on device
Features
Everything you need, nothing you don't
Every transaction, grouped by day
Add income and expenses in a couple of taps. Records are grouped by date with a running daily total, so a month of spending reads like a story rather than a spreadsheet.
- Categories with clear icons — food, shopping, entertainment and more
- Each record shows its account and the resulting balance
- Month-by-month navigation with an always-visible overall balance
Budgets that tell you the truth
Set a monthly limit overall and per category. Progress bars fill as you spend and turn red the moment a category goes over — with the exact percentage, not a vague warning.
- Overall and per-category monthly budgets
- Live progress against each limit
- Clear over-budget indicators, e.g. +250% on Food
Statistics that answer the obvious question
Switch between expenses and income, see a weekly spending trend, and review your cash flow alongside a category breakdown — so "where did it all go?" takes one glance to answer.
- Expenses and income views in one place
- Weekly trend and cash-flow summaries
- Any month, navigable back through your history
Everything you own and owe, in view
Track the value of the assets you own, account for depreciation, and keep lending and borrowing visible alongside your cash and accounts.
- Assets grouped by type with current values
- Informational depreciation charges over time
- Separate lending and borrowing overview
Multi-currency, without the mental arithmetic
Keep accounts in different currencies side by side and convert between them with up-to-date rates. Pick your main currency and number format when you first open the app — and change your mind later.
- Accounts in any combination of currencies
- Built-in converter with a timestamped rate
- Choose your main currency and formatting style
Screenshots
See it before you install it
Privacy
Your finances stay on your phone
Most finance apps ask you to hand over your data first and trust them second. Bear Wallet skips the first step.
Network is optional
The app works fully offline. A connection is used for exactly one thing: fetching current currency exchange rates.
Deletion is one tap
Clear your data in the app, or uninstall to remove everything. No deletion request, no waiting period, no retention schedule. How deletion works →
Questions
Frequently asked
Is Bear Wallet really free?
Yes. Bear Wallet is free to download and every feature is available at no cost. There are no ads and no paid tier.
Do I need an account?
No. Bear Wallet asks for no registration, no email address and no phone number. You can start recording transactions the moment it finishes installing.
Where is my financial data stored?
On your device. Your accounts, records, budgets and planned payments are written to local storage on your phone. Open Bear does not transmit or store your personal finance data on its servers — see the Privacy Policy for the full detail.
Does it work offline?
Yes, all core features work with no connection at all. The internet is used for one thing only: fetching current currency exchange rates.
Can I track more than one currency?
Yes. Create accounts in as many currencies as you need, choose a main currency and number format during setup, and convert between currencies on the built-in exchange screen.
Is my data backed up to the cloud?
No — and that is deliberate. Keeping data on-device means there is no server of ours to breach, but it also means losing or resetting your phone loses your records. Treat your device backup as your wallet backup.
How do I delete everything?
Clear the data from within the app, or uninstall Bear Wallet. Because nothing is stored on our side, uninstalling removes it completely. Details are in the Privacy Policy.
How do I report a bug or ask for a feature?
Email support@openbear.org. We read everything, and feature requests genuinely do shape what gets built next.
Start tracking today
Free on iOS and Android. No account, no ads, no strings.