SubDebt/Manager

Documentation / Knowledge Base

User Handbook & Wiki

Complete technical specification and operational manual for SubDebt Manager. Explore liquidity passbooks, bill splitting, hardware security, and offline data vault architectures.

100% Offline-First Architecture 9 Core Modules Version 2.14.x

Chapter 01 · Liquidity & Banking

Multi-Bank Accounts & Passbook Ledger

Module Summary: Manage liquid cash reserves across commercial banks, physical cash in hand, and digital wallets with a double-entry transaction passbook.

Account Architecture and Types

SubDebt supports four distinct liquidity account structures designed for accurate personal bookkeeping:

Account Classification Operational Role Typical Examples
Commercial Bank Primary checking and current accounts with account masking HDFC, SBI, J&K Bank, Kotak, ICICI
Digital Wallet Prepaid balances and mobile payments interfaces Paytm Wallet, Amazon Pay, Slice
Cash in Hand Physical paper currency and coin reserves kept on person Physical Wallet, Cash Box, Drawer
Savings & Reserves Emergency deposits and locked liquidity funds Fixed Deposit, Sweep Accounts, Emergency Fund

Transaction Types and Balance Mechanics

Every transaction entry atomically updates account balances based on strict double-entry mathematics:

Transaction Entry Mathematical Impact Passbook Ledger Representation
Money In (Deposit) Balance = Current Balance + Amount Represented with emerald green badge and (+) sign
Money Out (Withdrawal) Balance = Current Balance - Amount Represented with coral red badge and (-) sign
Account Transfer Source = Source - Amount; Target = Target + Amount Atomically debits source bank and credits destination bank

Monthly Cash Flow Ratio Analytics

Passbook and Bank overview screens compute real-time monthly financial flow:

  • Monthly Inflow: Total sum of deposits plus incoming transfers received within the active calendar month.
  • Monthly Outflow: Total sum of withdrawals plus outgoing transfers sent within the active calendar month.
  • Net Cash Flow: Computed as Inflow minus Outflow. Displays as positive surplus or negative deficit.
  • Segmented Progress Visualizer: Displays volume proportion of inflow versus outflow with dual-tone progress bars.

Passbook Querying, Range Filters & CSV Export

  1. Live Query Search: Enter keywords in the passbook search bar to filter entries by category, payee note, counterparty name, or numeric amount.
  2. Date Range Filter: Filter passbook statements by All Dates, This Month, Last Month, or Last 90 Days with single-tap toggle pills.
  3. One-Click CSV / Excel Exporter: Tap the grid icon in any passbook header to export complete transaction histories into standard RFC 4180 CSV format.
  4. Reversible Ledger: Deleting or editing any transaction dynamically rebalances the account and linked transfer balances.

Chapter 02 · Expense Tracking

Daily Spending, Payment Sources & Bill Splitting

Module Summary: Log day-to-day purchases, link payments directly to bank accounts, organize custom categories, attach photo receipts, and split bills with friends.

Recording Expenses and Payment Source Deduction

  1. Open the Add Spending modal from the bottom navigation or radial speed-dial action menu.
  2. Enter the expenditure title (e.g. Groceries, Fuel, Coffee) and the exact numeric cost.
  3. Select the Category. The smart categorizer automatically predicts category assignment based on title keywords.
  4. Select Payment Source: Choose Cash or tap an active Bank Account chip. When a bank account is selected, the application confirms and automatically deducts the amount from your live balance and logs an outward withdrawal in your passbook.
  5. Attach Receipt: Capture a camera photograph or select an image from the native photo picker. Receipts are stored in sandboxed storage.
  6. Tap Add Expense to finalize the entry.

Bill Splitting with Automatic Credit Generation

How SubDebt eliminates debt tracking friction when paying group bills:

  • Enable the Split Bill With Friends switch inside the Add Spending form.
  • Add participant names (e.g. Rahul, Sameer, Priya).
  • The application calculates equal shares or allows manual adjustments per person.
  • Your personal share is logged as your actual discretionary expense for budget calculations.
  • For each friend added, the system automatically creates a lent Credit entry in the Owed tab under their name, referencing the expense title and timestamp.
  • If a bank account was selected as payment source, the full total bill is deducted from the bank, while personal and owed shares are compartmentalized accurately.

Receipt Vault Privacy

Receipt images are renamed with cryptographically generated UUID strings, stored inside the sandboxed document directory accessible only to SubDebt, and completely excluded from public device galleries.

Chapter 03 · Liabilities

Debts & Borrowed Liabilities Ledger

Module Summary: Track interest-free personal debts, borrow obligations, installment repayments, due date schedules, and generate formal settlement vouchers.

Recording a Borrowed Debt

  1. Navigate to the Debts tab and tap + Add Debt.
  2. Specify creditor name, borrowed amount, and currency.
  3. Provide a clear purpose (e.g. Laptop repair, College semester fee, Rent advance).
  4. Select the expected repayment due date and tap Save Debt.

Partial Repayments and Balance Reductions

  • Tap on any active debt card to open its detail view and select Record Partial Payment.
  • Enter installment amount paid and payment date.
  • SubDebt subtracts payment from total liabilities and displays remaining balance with complete audit timestamps.

Debt Settlement & Executive Voucher Export

When a liability is cleared, tap Mark as Settled. The application renders a formal Settlement Voucher containing reference identifiers, timestamps, settlement amounts, and creditor metadata, ready to share as high-contrast receipt images.

Chapter 04 · Assets & Owed

Lent Credits & Asset Receivables Ledger

Module Summary: Record money or items lent to others, schedule expected return dates, track partial settlements, and monitor incoming cash receivables.

Logging a Lent Credit

  1. Navigate to the Owed tab and tap + Add Credit.
  2. Enter counterparty name, lent amount, currency, and expected return date.
  3. Tap Save Credit. The total pending amount is reflected in your active assets total.

Recording Returned Funds and Partial Paybacks

Tap on any active credit card and select Record Partial Return. The remaining receivable balance updates dynamically across ledger totals. When fully returned, mark the credit as Complete to archive the entry.

Chapter 05 · Recurring Bills

Subscriptions & Guided Cancellation

Module Summary: Monitor recurring service commitments, billing frequencies, trial expiration dates, burn rates, and execute step-by-step subscription cancellations.

Subscription Commitment Profiles

Billing Frequency Cycle Calculation Monthly Normalized Burn Rate
Weekly Renews every 7 days from reference date Amount multiplied by 52 divided by 12
Monthly Renews on same day each subsequent month Full face amount
Quarterly Renews every 3 months from reference date Amount divided by 3
Yearly Renews on same calendar date each year Amount divided by 12

Free Trial Safeguards

Enable the Free Trial switch when evaluating software. SubDebt schedules priority notifications 1 day prior and on the expiration day, displaying distinct countdown badges on your dashboard.

Guided 1-Tap Cancellation Assistant

Tap any subscription card and select Cancel Subscription. SubDebt provides direct links to official cancellation portals (Google Play Subscriptions, Apple App Store, Amazon, Netflix, Spotify, ChatGPT) and pre-fills formal cancellation notice drafts.

Chapter 06 · Budget Control

Monthly Budget Caps & Discretionary Limits

Module Summary: Establish monthly overall spending ceilings and category-specific budget limits with real-time percentage consumption alerts.

Global Monthly Budget Ceiling

Set planned discretionary allowance in Settings > Budget Caps. The ceiling takes effect across the entire app immediately, rendering real-time consumption progress bars, remaining allowances, and safe daily spend limits.

Automated Threshold Notifications

Consumption Percentage Notification Channel Engine Action
70% Budget Reached Spending & Budget Channel Gentle advisory alert informing user that 70% of allowance has been spent
90% Budget Reached Spending & Budget Channel High-priority critical alert warning of imminent cap breach
100% Limit Exceeded Spending & Budget Channel Warning alert indicating that all discretionary funds are exhausted

Chapter 07 · Security & Backup

Data Vault, Security & Scoped Storage

Module Summary: Hardware-backed biometric authentication, 100% offline persistence, Storage Access Framework directory syncing, and collision-safe database restore.

Offline-First Security Architecture

  • Operates with 100% local persistence powered by high-speed MMKV key-value storage.
  • Zero remote databases, zero trackers, zero telemetry servers, and zero cloud accounts.
  • Strict Android Scoped Storage compliance with permissions restricted to CAMERA and INTERNET.
  • Biometric authentication supports hardware-backed Fingerprint recognition, Face ID, and fallback master PIN.

Storage Access Framework (SAF) Vault Backups

  1. Open Data Vault from Settings or Tools menu.
  2. Tap Link Custom Backup Folder to pick a device directory (e.g. Documents/SubDebtBackups or Google Drive local folder).
  3. SubDebt automatically writes scheduled daily offline snapshots and on-demand JSON exports directly into this folder.
  4. Embedded Base64 encoding preserves attached receipt photos across device migrations and backups.

Chapter 08 · Notifications

Smart Notification Engine & System Channels

Module Summary: Four native Android notification channels, natural dynamic schedule variance, context-aware financial copy, and instant alarm cancellation.

Native Android Notification Channels

System Channel Name Channel Identifier Importance & Priority
Debts & Liabilities subdebt_debts High Priority with red LED and vibration alerts
Subscriptions & Renewals subdebt_subscriptions High Priority for timely bill renewal reminders
Daily Spending & Budget subdebt_spending Default Priority for allowances and daily check-ins
Bank Accounts & Cash Flow subdebt_accounts Default Priority for liquid reserve balance pulses

Dynamic Non-Repetitive Scheduling

SubDebt eliminates mechanical robotic alarms with Natural Smart Timing, applying subtle random variance (+/- 15 minutes) and automatically shifting weekend morning alerts to respect rest periods.

Chapter 09 · Utilities

Financial Tools, Statements & PDF Exporters

Module Summary: Executive PDF statement downloads, EMI loan calculators, CSV data portability, financial calendar audits, and settlement voucher generators.

Formal PDF & CSV Exporters

  • Spending Statements: Export customized PDF reports across 7d, 30d, 90d, 1y, or All Time with category breakdowns and daily aggregates.
  • One-Click CSV Export: Single-tap spreadsheet export for daily spending and bank passbooks compatible with Microsoft Excel, Google Sheets, and LibreOffice.
  • Bank Passbook Statements: Formal ledger PDFs detailing starting balances, deposits, withdrawals, transfers, and closing balance.

Financial Calculators & Calendars

  1. EMI Loan Calculator: Computes monthly installments, total interest payable, and amortization ratios with visual charts.
  2. Financial Calendar: Matrix timeline highlighting scheduled debt repayments and subscription renewal due dates.