Offline first
Accounts, budgets, categories and payments live in a local Room database. There is no account to create and no sync server to trust.
Android · FOSSMaintainedSept 2026 - PresentUpdated Oct 2026
Ratio
A money manager you actually own — open source, offline, no ads and no trackers.
Ratio continues the Ivy Wallet codebase after upstream retirement, keeping the GPL-3.0 license and shipping signed APKs straight from GitHub Actions.
100%
Kotlin + Compose
GPL-3.0
Free forever
0
Ads and trackers
CI-signed
APK from source
vision
Your money data belongs on your phone
Ratio continues a trusted open-source money manager after upstream retirement, with the same promise: a complete personal-finance workflow, no ads, no cloud and no telemetry. The app should be useful on the first launch, honest about where the data lives, and installable from source.
Built and signed in public
GitHub Actions builds and signs every APK, so a release can be traced to the commit that produced it.
Keep a good tool alive
Maintenance is the feature: upstream stopped, and existing users deserve fixes, security updates and a path forward under the same GPL-3.0 license.
Why it stands out
The decisions, trade-offs, and details that make Ratio worth your time.
01
100% Kotlin + Jetpack Compose with Material 3 and offline-first Room storage
02
Signed APKs built straight from source in GitHub Actions — no Google Play required
03
GPL-3.0, no ads and no trackers: your money data stays on your phone
04
Keeps a trusted finance app alive and maintained after upstream retirement
Personal finance without the data harvesting
Ratio is a manual expense tracker that tries to replace the good old spreadsheet — answering three questions fast: how much do I have, where did this month go, and can I still hit my goal?
Accounts, budgets and categories
Track balances across accounts and cash, set monthly budgets, and organize spending into categories that make sense to you.
Offline-first by design
Everything lives in a local Room database on your phone. No account sign-up, no cloud sync requirement, no server that can leak your finances.
Fast manual entry
Built for habit: quick transaction entry, planned payments, and recurring transactions so the journal stays current with minimal effort.
Debts and lending
Track money you owe and money owed to you, with the same clarity as the rest of your accounts.
Import and export
Bring data in via CSV import and keep control of your records — your data is yours to move.
Material 3 Compose UI
A modern Android interface with Jetpack Compose, Material 3 theming, and smooth list performance backed by Coroutines and Flow.
No store required
Ratio is not on Google Play. Releases are built from source by GitHub Actions and signed with the project's public FOSS keystore, then downloaded from GitHub Releases.
Community continuation
The original Ivy Wallet is no longer maintained. Ratio keeps a trusted finance app alive, with attribution and the same GPL-3.0 license.
Get Ratio on your phone
Because it is distributed outside app stores, installation is a two-minute, three-step process.
Download the APK
Grab the latest signed APK from GitHub Releases. Every push also publishes a demo APK under Actions → APK.
Allow installs from your browser
Android will warn you because the APK comes from outside a store. Enable "Install unknown apps" for your browser or file manager.
Start tracking
Open Ratio, add your accounts and budgets, and enter your first transactions. Everything stays on-device.
Build it yourself (optional)
Java 17+ and the latest stable Android Studio are all you need. Gradle KTS, convention plugins and version catalogs keep the build sane.
Tech stack
The original Ivy Wallet stack, kept current: modern Android, functional Kotlin, and CI that produces every release.
KotlinJetpack ComposeMaterial 3RoomHiltKtorAndroidGPL-3.0
Licensed under GPL-3.0.
Repositorygithub.com/Pranesh-Selvaraj/Ratio
LicenseGPL-3.0 (fork of Ivy Wallet, with attribution)
Language100% Kotlin (Coroutines + Flow)
UI100% Jetpack Compose + Material 3
DIHilt
FunctionalArrowKt
PersistenceRoom DB + DataStore
NetworkingKtor client + kotlinx.serialization
TestingJUnit4 + Kotest
BuildGradle KTS, convention plugins, version catalogs
LintingSlack compose-lints
CI/CDGitHub Actions → signed APK + GitHub Releases
Built in the open. Star it, try it, break it.
Ratio is GPL-3.0-licensed and developed in public. Feedback, issues, and contributions are genuinely welcome.