What is Drachma?
Drachma is a budget app for Android and iOS that keeps your money data on your phone. Log spending by hand, scan receipts or import bank statements, and Drachma finds your subscriptions and installment plans and helps you plan with envelopes and goals. There's no account, no bank login and no server.
Why doesn't Drachma connect to my bank?
On purpose. Bank sync means a company holds your credentials and a server holds your transactions. Drachma is built for people burned by that trade: logging by hand takes about three seconds, and the act of typing it is what makes you notice it.
If you have a backlog, you don't have to type it all: import your bank statement and Drachma reads it on your phone, picking out subscriptions and installment plans as it goes.
How does Drachma find my subscriptions without my bank?
From the statements and receipts you already import, plus what you type. Drachma spots charges that repeat and knows popular services like Netflix, Spotify, Apple and Google by name. All of it happens on your phone.
Does it understand installments (taksit)?
Yes. Drachma recognizes installment plans on Turkish card statements, keeps each plan's payments together, and shows what's paid, what's left and when it ends. If it isn't sure, it asks you first. You can also add a plan by hand. Installments are free.
What happens when I switch phones?
Create a backup in Settings: a single .drachma file sealed with AES-256 encryption and a passphrase you choose. Move it however you like (cable, drive, your own cloud), install Drachma on the new phone, and restore. Nothing passes through us, because there is no us-side server.
Does anything ever leave my phone?
Your money data doesn't: there's no account and no server for it. Two optional diagnostics do, unless you turn them off in Settings: crash reports, and anonymous usage stats limited to a fixed list of events like "entry logged with the keypad". Never amounts, merchants, categories or names. If you buy Plus, your app store and Adapty, the subscription service Drachma uses, confirm it and still never see your budget. The privacy policy lists every event.
How much does it cost?
Drachma is free, with no ads and no time limit. Manual logging is unlimited on every plan. Free includes 30 receipt scans and 5 statement imports in total to get you started, up to 5 envelopes, 2 goals at a time and 3 tracked subscriptions.
Drachma Plus is an optional subscription that removes those limits and adds deeper Insights, a view of the months ahead, and renewal reminders. It's billed through your app store, and the price is shown in the app before you confirm. Compare Free and Plus.
Which platforms, languages and currencies?
Android and iOS. Drachma speaks English, Turkish, German, Spanish, French, Italian, Portuguese and Russian. It handles 40 currencies with proper symbols and formatting, lets you choose when your week and month start, and comes in Light, Dark and true-black OLED themes.
Is my data safe if my phone is lost?
The database is encrypted with a key stored in your device's secure hardware, so it's protected by your phone's lock. Backups are sealed with your own passphrase; without it, they can't be opened. Choose a passphrase you'll remember: there's no reset, because nobody but you holds a key.
Drachma
