Kalch is a structured, offline finance tracker for budgets, savings goals, debts, and financial projects — every entry stored locally, every insight yours alone.
Built as dedicated workspaces — one for your daily spending, another for a savings goal, another for a debt you're closing out. Nothing is bundled into one flat list.
Organize spending by category, tag, and recurring schedule, with limits that flag when you're close to the edge.
Set milestones and contribution schedules, then watch a goal move from idea to fully funded.
Track personal debts with a full payment history, so you always know exactly where a balance stands.
Group related entries — a renovation, a trip, a semester of tuition — into one dedicated project view.
Interactive charts, calendars, and filters make trends and historical comparisons easy to read at a glance.
Reflection journals, guided budgeting challenges, and milestones that reward consistency over time.
Kalch's budgeting tools work like this — enter an amount, adjust each envelope, and see exactly where every dollar is assigned.
We're a small team that got tired of finance apps asking for a login before they'd let you write down a coffee purchase. Kalch started as a personal ledger built for people who want their numbers organized without handing them to a server somewhere.
Our mission is simple: give people a structured, private place to plan, save, and repay — without turning their spending history into a product. Every workspace in Kalch is built around a real financial goal, whether that's a travel fund, an emergency reserve, or paying down a debt one logged entry at a time.
What you get is a full financial toolkit that never leaves your device — customizable categories and tags, recurring entries, spending limits, savings goals with milestones, debt trackers with repayment history, multi-currency support, interactive charts and calendars, guided budgeting challenges, and a reflection journal to note why a decision was made, not just what it cost.
Kalch: your ledger, your rules, your device.
"The most valuable financial asset isn't your balance — it's the history behind every decision you made to get there."
None. Kalch requires no account, name, email, or phone number. We do not request location access and collect no analytics. Every category, transaction, tag, goal, debt entry, and journal note stays on your device.
Since nothing is collected, nothing is used, analyzed, or sold. Every calculation, chart, and comparison runs entirely on your device, in real time, for your eyes only.
All entries, workspaces, and backups are stored locally. Kalch maintains no cloud database and does not sync or transmit your financial data to any server.
Kalch contains no analytics SDKs, advertising networks, or behavioral trackers. The app does not communicate with external services to function.
Because your information never travels off your device, there is no transmission to intercept. Your device's own passcode, biometric lock, or encryption protects your Kalch data.
Kalch does not collect personal information from anyone, including children under 13, because it collects no personal information from any user, of any age.
Export a backup any time, and delete your data permanently by removing entries or uninstalling the app — there is no remote copy on a server, because none was ever created.
This policy may be updated as Kalch evolves. Any revision updates the effective date above so you always know when it last changed.
Questions about this policy can be sent to privacy@kalchfinancetrackerapp.com.
Whether it's a question about setting up your first budget, a bug you've spotted, or an idea that would make Kalch more useful — we'd love to hear it.
⏱️ We read everything ourselves and typically reply within 24–48 hours.