Everything Setrim can do

Setrim lets you create any number of wallets representing your real-world accounts — cash on hand, a bank account, a savings account, a foreign currency account, and more. Each wallet operates independently with its own currency and balance, so you always know exactly where your money is.

The home screen displays the current balance of every wallet and a combined overview of this month's income and expenses across all wallets.

Recording a new transaction in Setrim takes just a few seconds. Enter the amount, pick a category, optionally add a description and icon, adjust the date if needed, and you're done. Transactions are the foundation of all statistics, budgets, and balance calculations.

Both income and expense transactions are supported, as well as transfers between wallets which are stored as a linked pair of transactions. The full transaction history is always accessible and editable.

Budgets in Setrim let you define how much you want to spend in a given expense category each month. As you add transactions, the budget progress updates automatically. Color-coded indicators make it immediately clear whether you're within your limit, approaching it, or have exceeded it.

Budgets reset at the start of each month. You can create a budget for any existing category — food, transport, entertainment, clothing, or any custom category you've defined.

The statistics section of Setrim provides four distinct tabs, each offering a different lens on your financial data. Switch between months to compare periods, drill into categories, or track multi-month spending trends.

Recurring payments in Setrim let you define any transaction that repeats on a fixed schedule — monthly rent, weekly grocery runs, quarterly insurance premiums, annual subscriptions, or biweekly salary. Once set up, Setrim executes them automatically the next time you open the app after the due date.

Upcoming recurring payments are displayed on the home screen so you always know what's coming. Each payment can be paused, edited, or deleted at any time.

The Subscriptions page is a dedicated view that filters out all recurring payments you've marked as subscriptions — streaming services, cloud storage, gym memberships, software tools, or any other recurring charge. At a glance you can see the total monthly and annual cost of all your active subscriptions combined.

Many people underestimate how much they spend on subscriptions in total. Setrim makes that number impossible to miss.

Setrim's debt feature handles informal personal loans — the kind that happen between friends and family. Track money you borrowed from someone else, or money you lent to someone else. Record partial repayments over time to see exactly how much is still outstanding.

Debts in Setrim are separate from regular transactions and do not automatically affect wallet balances — they serve as a reminder and tracker, not as an accounting ledger entry.

Categories are the organizational backbone of Setrim. Every transaction, budget, and statistic is linked to a category. Setrim ships with a comprehensive set of default categories covering common expense and income types, and lets you add fully custom categories to match your personal lifestyle.

Each category is paired with an icon from a library of hundreds of colorful, instantly recognizable icons — making transaction lists visually scannable at a glance.

The search screen in Setrim gives you full control over your transaction history. Search by text, filter by multiple criteria simultaneously, and sort results the way you prefer. Whether you're looking for a specific purchase from last year or want to see all your restaurant expenses across all time, the search tools make it fast.

Setrim was built with a privacy-first philosophy. No cloud sync, no account, no registration, no analytics SDK, no ads. Your financial data never leaves your device unless you choose to export it yourself. The app works fully offline at all times.

Optional biometric security — fingerprint or face recognition — can be enabled to lock the app behind authentication. A PIN fallback ensures you're never locked out.