Monisy: Budget & Money Tracker

Monisyapp

In-app purchases

About this app

Monisy is a budget planner and expense tracker that helps you take control of your money. Track expenses, set budgets, reach savings goals — all without giving your bank login to anyone. Your financial data stays on your phone, where it belongs.

Most personal finance apps require bank credentials, Plaid integrations, or third-party syncs. Monisy doesn't. No bank login. No account or email required. No data leaves your device unless you choose to back it up.

SMART AUTO-CATEGORIZATION
Type a description and Monisy instantly suggests the right category. Built-in keyword matching across 15 languages, learning from your spending habits over time. No data sent to any server — categorization happens locally on your device.

POWERFUL BUDGET TRACKING
- Set monthly budgets per category (groceries, rent, dining, transport, anything)
- Real-time tracking as you log transactions
- Smart alerts at 80% and 100% of budget
- See exactly how much you have left before you spend

SAVINGS GOALS THAT WORK
- Create unlimited savings goals (trip, emergency fund, new laptop, anything)
- Set target amount and deadline
- Monisy calculates how much you need per month to hit it
- Watch real-time progress as you save

FINANCIAL DASHBOARD (PREMIUM)
14 detailed analytics sections including category breakdown, balance trends, income vs expenses, top transactions, spending heatmap, monthly comparisons, savings rate, top merchants, and more. Filter by day, week, month, year, all-time, or custom range. Filter by account or view combined.

15 BEAUTIFUL THEMES
Light, Dark, Christmas, Valentine, Halloween, Spring, Summer, Autumn, Winter, Ocean, Neon, Sunset, Cherry Blossom, Aurora Borealis, Midnight Gold. Switch between them anytime in 2 taps. Your money tracker should be an app you actually want to open.

4 HOME SCREEN WIDGETS
See balance and monthly summary at a glance. Quick-add buttons for instant expense logging without opening the app.

POWERFUL FINANCE TOOLS
- Track income, expenses, and transfers across multiple accounts
- 35 currencies with customizable exchange rates
- Recurring transactions: set once for rent, salary, subscriptions
- CSV export anytime (free), PDF reports (Premium)
- Custom categories with icons
- Search and filter transactions by date, category, label, or account

AI INSIGHTS (PREMIUM)
- Spending predictions: know what you'll spend before month ends
- Anomaly detection: get alerted when something looks unusual
- Monthly insights: spending patterns, savings rate, top categories

PRIVATE BY DESIGN
- All data stored locally on your phone by default
- Optional Cloud Backup (Premium): private Google Drive backup, only you can access
- Automatic backups: daily, weekly, or monthly
- No ads. No tracking. No data selling. Ever.
- PIN and biometric lock to protect access
- Works completely offline (only Cloud Backup needs internet)

ADDITIONAL FEATURES
- 15 languages supported
- Accessibility support including reduce motion
- Local backup and restore
- Push notifications you fully control
- In-app feedback and help center

WHY MONISY
We built Monisy for people who want control of their money without trading their privacy. No bank logins. No third-party data sharing. No surveillance disguised as features. Just a beautiful, powerful budget tracker that works.

PREMIUM (OPTIONAL)
Monisy is free with powerful core features. Premium unlocks unlimited budgets, goals, recurring transactions and custom categories, all 15 themes, Financial Dashboard with detailed analytics, automatic Cloud Backup, AI insights, spending predictions, anomaly detection, PDF export reports, and early access to new features.

- Monthly: $4.99/mo
- Annual: $29.99/yr (save 50%)
- Lifetime: $59.99 (one-time)

Your money. Your phone. Your control.

Download Monisy today and start tracking smarter.

What’s new

What's new 36 (1.3.0):
- See your duplicates before importing. A new section shows exactly which transactions will be skipped.
- Import labels now keep their original capitalization.
- Faster scrolling with a quick "back to top" button on long import lists.
- Net Worth tracking is coming soon. Track your assets and liabilities all in one place.
- Performance improvements and bug fixes.