Monetra

Superstack Inc.

About this app

💰 **Monetra – Your Money, Organized**

Take control of your finances with Monetra, a privacy-first personal finance app designed to help you track spending, manage budgets, understand cash flow, and build better financial habits.

Bring your income, expenses, accounts, bills, budgets, and financial assets together in one convenient place.

✨ **SMART FEATURES**

💸 **Cash Flow & Transactions**
• Track income, expenses, opening balances, and monthly cash flow.
• Automatically detect eligible bank and UPI transactions from SMS.
• Add, edit, categorize, and review transactions manually.
• View merchant details, payment sources, and private notes.
• Search and filter by date, category, account, or transaction type.

📊 **Financial Summaries & Insights**
• Compare income and expenses with visual summaries.
• Explore daily spending trends and category breakdowns.
• Understand your financial health and savings rate.
• Make informed decisions using your spending history.

🎯 **Budget Management**
• Create monthly budgets for spending categories.
• Compare budget limits with actual expenses.
• Track remaining budgets and spending progress.

🏦 **Accounts & UPI Management**
• Track balances across bank accounts, cash, and supported payment accounts.
• Organize transactions by account.
• View account-level transaction histories and recognize supported merchants.

📈 **Financial Portfolio**
• Track assets alongside everyday cash flow.
• Manage tracked assets such as stocks and gold.
• View your overall financial picture using your balance and recorded assets.

🧾 **Bills & Reminders**
• Track one-time and recurring payments.
• Set reminders for upcoming bills and due dates.

👥 **Bill Splitting**
• Split shared expenses with friends or groups.
• Track contributions and who owes whom.

💳 **Encrypted Card Vault**
• Store payment card details and important information.
• Protect access with a PIN and optional biometric unlocking.
• Scan supported card details locally using your camera.

📅 **Spending Calendar**
• View daily income, spending, and balances.
• Identify spending patterns and organize bills, subscriptions, budgets, and reminders.

📤 **Reports & Backups**
• Export financial statements in CSV or PDF.
• Create encrypted local backups.
• Access searchable financial records when needed.

🔒 **PRIVACY & SECURITY**

Your financial information deserves protection. Monetra is designed with privacy in mind.

• AES-256-GCM encryption for protected financial data.
• Password-derived encryption keys remain on your device.
• SMS transaction parsing happens locally.
• No central server database storing your transaction history.
• App lock and optional biometric authentication.
• Encrypted local backup exports.
• No advertisements and no selling of your financial data.
• Offline access to supported features after setup.

SMS access is used to identify eligible financial messages for transaction processing, not to upload your private conversations.

🌱 **WHY MONETRA?**

Managing money shouldn't require complicated spreadsheets or sharing sensitive financial information with multiple services. Monetra helps individuals and families understand where their money goes, organize their finances, and make more informed decisions.

🚀 **CONTINUOUS IMPROVEMENT**

We aim to improve usability, performance, accessibility, transaction recognition, calculation reliability, and privacy protections as Monetra evolves.

⚠️ **PLEASE NOTE**

Monetra is a personal finance tracking tool, not a bank, payment gateway, lending service, trading platform, or investment adviser. Financial calculations and summaries are for informational purposes only and do not constitute financial, tax, or investment advice.

👨‍💻 **DEVELOPED BY SUPERSTACK INC.**

Website: https://superstack.in
Contact: [e-mail]

**Monetra — Your money. Your control. Your future.**

What’s new

Minor improvements and performance enhancements