Moneto: Budget Expense Tracker

Micro App Digital

Contains adsIn-app purchases

About this app

Moneto is an offline expense tracker and budget planner that keeps every number on your phone. No account, no sign-up, no cloud.

Track spending in seconds, set budgets that match how you actually get paid, and see exactly where your money went this month.

Expense tracker built for speed
Log an expense in a few taps with categories, labels and notes. Attach a receipt photo to any transaction so you never lose a proof of purchase. Income, expenses and wallet-to-wallet transfers are all supported, and recurring transactions handle your regular bills for you. Works with 130+ currencies and automatic exchange rates.

Budget planner that fits your pay cycle
Create daily, weekly, biweekly, monthly or yearly budgets. Set a custom pay date so your monthly budget starts when your salary lands, not on the 1st. A pace marker shows whether your spending is ahead of the month, and new budgets can be built from your income in seconds.

Savings goals and net worth
Set a savings goal with a target and watch progress fill in. Track assets, investments and property alongside your accounts to see net worth in one place.

Debt tracker for money in and out
Track money you borrowed and money you lent. Fund a loan from a real account, record repayments and admin fees separately, and hide settled debts to keep the list to what's still active.

Reports that explain your spending
Cashflow charts, category breakdowns, daily activity, biggest-day and per-day insights, and month-over-month comparison. Export any report to PDF.

Multi-wallet money manager
Bank accounts, cash, e-wallets, credit cards and savings in one place, with a combined balance and per-wallet filtering. Upload your own image as an account icon so your banks look like your banks.

Also included
- 100% offline expense tracker — no internet required
- Home screen widget for a quick balance check
- Calendar view of daily spending
- Trip and event budgeting
- Dark mode and adjustable text size
- 11 languages
- Backup and restore anytime

Your data stays on your device. Download Moneto and start tracking spending today.

What’s new

What's new in 1.11.0:
• Set an account's balance below zero, for overdrafts
• See transfers in and out on each account
• Search entries by asset, debt or savings goal
• Performance and stability improvements