Introduction to Bluecoins

Bluecoins is a personal-finance app for Android — an expense tracker, budget, and money manager in one. You track income and expenses, plan budgets, and see exactly where your money goes through reports and charts.

Three transaction types

Bluecoins keeps the core of personal finance simple by separating everything you record into three distinct types:

• Expense — money you spend.
• Income — money you receive.
• Transfer — money you move between your own accounts.

A transfer is never counted as an expense or as income. Moving money from your savings to your wallet changes where the money sits, but not how much you have — so Bluecoins keeps it out of your spending and earnings totals. The same three types appear everywhere in the app, from the transaction form to the reports, so the numbers always add up the same way.

Your accounts form a balance sheet

Accounts are grouped by type — cash, bank, credit card, wallet, assets, and liabilities. Together they make up your personal balance sheet: assets on one side, liabilities on the other, and your net worth in the middle. Each account can use its own currency and conversion rate, which matters if you hold money in more than one currency.

What else the app covers

Beyond the basics, Bluecoins handles the parts of money management that usually live in several different apps:

• Budgets — per-category budgets with weekly, monthly, quarterly, yearly, or custom date ranges, plus budget carry-over.
• Credit cards — statement cycles with cutoff and due days, credit limits, and unbilled installments.
• Multi-currency — accounts in any world currency, live exchange rates, and crypto support.
• Cloud sync — manual and automatic backup and restore through Google Drive, Dropbox, or OneDrive, including family sharing.
• Bank notifications — automatic transaction logging from banking-app push notifications or SMS, with no bank login.
• Reminders — recurring transactions so bills never slip past the due date.
• Reports — balance sheet, cash flow, budgets, and more, exportable to PDF, Excel, or HTML.
• Dashboard and widgets — configurable home-screen cards and five home-screen widgets.
• Import and export — CSV and QIF import, PDF/Excel/HTML/print export.

Using this guide

The guide walks through each area of the app in the order you are most likely to need it: recording transactions first, then budgets and reports, then the more specialized features such as credit cards, multi-currency, and sync. Each page explains what the feature does and where it lives in the app — no setup steps are invented here; everything is grounded in how the app actually works.