Mony: Finance Tracker

9pablo7

About this app

Mony — Private Finance Manager

Mony puts you back in control of your money — without spreadsheets, subscriptions, or handing your financial life to the cloud. Everything runs 100% on your device. No account, no sign-up, no tracking. Ever.

From daily coffee to monthly rent, Mony helps you see exactly where your money goes and where it's heading next — all in a fast, beautifully designed app that actually feels good to open.

****************************
WHY MONY IS DIFFERENT
****************************

◆ YOUR DATA NEVER LEAVES YOUR PHONE
No servers. No accounts. No analytics watching over your shoulder. Your finances stay yours — completely offline, completely private.

◆ IT LOGS EXPENSES FOR YOU
Mony reads your bank and payment notifications right on the device and turns them into transactions automatically — even peer-to-peer payments like "Juan sent you €20." It recognizes the merchant, guesses the category, and all you do is tap to approve.

◆ BUILT TO BE LIVED IN
Silky animations, dark & light themes, custom accent colors, and a dashboard that answers "how am I doing?" in a single glance.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
EVERYTHING YOU NEED
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

◆ EXPENSE & INCOME TRACKING
Add transactions in seconds or let Mony detect them for you. Tag merchants, add notes, choose accounts, and keep income and spending perfectly organized.

◆ BUDGETS THAT ACTUALLY HELP
Set budgets per category and get a heads-up at 80% and 100%. See your remaining balance, safe daily spending, and how this cycle compares to the last.

◆ SUBSCRIPTION RADAR
Netflix, Spotify, the gym you forgot about — track every recurring charge, get reminded before it hits, and cut the ones you don't use.

◆ FINANCIAL HEALTH SCORE
A personal score built from your savings rate, budget discipline, stability, and spending trends — with clear, actionable tips to push it higher.

◆ INSIGHTS THAT MAKE SENSE
Category breakdowns, spending trends, daily averages, and period-over-period comparisons that turn raw numbers into real understanding.

◆ MULTIPLE ACCOUNTS & CURRENCIES
Cash, cards, banks, and wallets in one place. True multi-currency support with per-account filtering and grouped views.

◆ SAVINGS GOALS
Set a target, watch the progress bar fill, and know exactly how much to set aside each month to get there.

◆ YOUR OWN FINANCIAL CYCLE
Paid on the 25th? Your month doesn't start on the 1st — so Mony's doesn't either. Define custom cycles and jump between periods with ease.

◆ SMART MERCHANTS & CATEGORIES
Two-level categories and merchant suggestions that learn from your habits, so your spending organizes itself over time.

◆ LOCAL REMINDERS & ALERTS
Budget warnings, bill reminders, and subscription alerts — all generated privately on your device. Never miss a payment again.

◆ BIOMETRIC LOCK
Guard your finances behind fingerprint or face unlock.

◆ YOU OWN YOUR DATA
Full local backup and restore, plus export to JSON or CSV whenever you want. No lock-in, no strings.

◆ MAKE IT YOURS
Multiple accent themes, dark & light mode, and smooth transitions throughout.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

Mony is free, ad-free, and built with care — a finance app that respects your privacy as much as your wallet.

Download Mony and take control of your money today.