Pendara
A plain-language catalogue of every feature in the app, with a dedicated Pro chapter and Free vs Pro caps. Written for stakeholders, support, store listings, and marketing.
Pendara is a personal-finance app built for how money actually moves in a Pakistani household — not just expenses, but money lent to relatives, funds held for a mosque or office, committees (cameti), gold, and Zakat.
It is offline-first: you can log and review money with no connection, and it syncs when one returns. There are no ads, and the app does not sell your data. The core product is free to use; Pendara Pro is an optional paid tier that unlocks AI helpers, removes quantity caps, and funds the ad-free model.
Structure
Two layers: books keep lives separate; More groups everything else the way people actually think about money.
Almost everything lives inside a book — one set of accounts, categories, budgets, and savings for a life you want kept separate (home, shop, side project). Free accounts have one book; Pro can keep more. Switching books changes what you see across Money and Plan screens.
Day-to-day work sits on the home tabs (Dashboard, Accounts, Transactions, Members, Budget, Reports). Everything else lives under More, grouped the way people think about money:
Backup & Restore and Import live under Settings. Insights and cash-flow cards appear on the Dashboard. Several features (Flash Entry, attachments, the home-screen widgets) are always available without a dedicated More tile.
See it move
Estimate due Zakat at 2.5% from live balances and metals. Default nisab is silver (52.5 tolas) for Hanafi — switchable to gold — with a hawł reminder seven days before.
Estimate due Zakat at 2.5% from live balances and metals. Default nisab is silver (52.5 tolas) for Hanafi — switchable to gold — with a hawł reminder seven days before.
Track I Lent and I Borrowed, log repayments, settle or write off with undo, and get notified the moment a loan goes overdue.
Category, group, or overall limits with alerts at 80% and again when over — at most one of each per budget per day.
Ask in plain language — Pendara AI can propose adds and edits for one-tap confirmation. It never writes on its own. Receipt scan and voice entry ship with the same Pro tier.
Switch ledgers for home vs shop. Accounts, categories, and budgets stay scoped to the active book — one net worth you can trust.
A Tasks widget with checkboxes and a plus for new tasks, a quick-add shortcut, and a budget widget, all without opening the app.
Pendara Pro is framed around daily-life relief: less hunting, less typing, fewer caps. It is what funds an app with no ads and no data selling.
Full Pro, billed each month via Google Play.
Same benefits, yearly cadence.
Both plans unlock exactly the same capabilities — only billing differs. Lifetime is no longer sold; earlier lifetime purchases keep working. Purchases are verified server-side; the app itself can never grant Pro.
There is no time-limited trial of Pro. Instead, every AI/automation feature ships with a lifetime free allowance per account, tracked server-side so it survives a reinstall. While allowance remains, the nudge is non-blocking; only exhaustion blocks.
Pro survives 3 days offline on a cached entitlement, and the paywall says so rather than pretending. The cache is scoped per account, so a second person signing in on the same phone never inherits the first person's Pro.
Two capabilities are also guarded at the navigation layer — Edit More menu and Import transactions — so a deep link or saved bookmark cannot walk past the gate.
Removes: Hunting through screens for a number or a form
Ask in plain language; it can propose an add/edit across ~25 areas for one-tap confirmation (never writes alone). 10 free questions, then 300/month.
Removes: Typing amount, merchant, date, and line items from a paper slip
Photograph a receipt — or a bank transfer slip (recipient, bank, masked account, reference, channel). Scanned line items later let the assistant answer “last price of milk”. 3 free, then 50/month.
Removes: Tapping through a full form for a simple spend
Say what you spent, review the draft, confirm. 3 free, then 300/month.
Removes: Losing the paper proof of a payment
Up to 5 photos on any supported record — on-device first, upload when online.
Removes: Being stuck with only a bare CSV
Excel, PDF, full workbook, receipts zip, and CSV import. (Plain CSV of your own transactions stays free.)
Removes: Guessing which days actually moved the needle
The Calendar heatmap and custom date-range exports. Overview, Spending, and Trends stay free.
Removes: Wondering what is still safe to spend before payday
Safe-to-spend until payday, with upcoming bills and budget commitments on a timeline.
Removes: Manually updating gold and silver values
Gold and silver auto-valued from live PKR tola rates — feeding net worth and Zakat.
Removes: Losing last year's Zakat record
Year-over-year records and a statement PDF. The estimate itself is free.
Removes: Juggling foreign balances in a spreadsheet
Exchange-rate table and cross-currency totals in one reporting view.
Removes: Mixing home and shop in one set of books
More than one set of books, and a fuller rolling history of on-device auto-backups (3 kept vs 1 on free).
Removes: Scrolling past modules you never use
Choose which items appear, and switch between five layouts (cards, sections, compact rows, icon grid, tabs). Navigation-gated.
Removes: Hitting a free-tier quantity wall
Every free-tier quantity limit removed.
Free vs Pro
Fair play
Caps are counted clearly, and hitting one never locks you out of what you already built.
Pro
Plain CSV of your own transactions stays free. These formats need Pro:
Pro
Receipt attaching is available across these surfaces on Pro:
Full reference
Browse by group or search. Select a feature to see details and a living phone screen.
Where your cash, bank, and card balances live.
What it's for
Keep each wallet or bank as its own balance so transfers and reconciles stay honest.
What you put in
Name, type, opening balance, currency, optional notes and attachments.
What the app works out
Running balance from every transaction and transfer that touches the account.
What you can do
Reconcile against a bank statement, archive unused accounts, attach receipts.
Pro — Free: 3 accounts per book. Pro: unlimited.
Always on
Behaviours you benefit from without touching a screen.
Reads and writes work with no connection and sync when one returns. Receipt photos save to the device instantly and upload from a queue that survives the app being killed. Exports use bundled fonts so PDFs generate offline. The one deliberate exception is backup, which refuses to run offline rather than produce a valid-looking empty file.
Local reminders that fire on a schedule — never spammy, always de-duplicated.
At 80% and again when over — at most one of each per budget per day.
Daily check; once per loan until settled.
Due / due-soon within your reminder window.
Snapshot of the previous month's income, expense, and net.
Nudge when a renewing subscription is within 3 calendar days of expiry.
Reminder 7 days before the anniversary, once a year.
Free to use, no ads, works offline. Pro optional — monthly or yearly via Google Play.
Get the app