Money Toolkit

Mifos Initiative

About this app

Track your loans, calculate EMIs, set bill reminders, and watch live interest rates — all 100% offline. No login. No account. No internet required.

Money Toolkit is a free personal finance companion for everyday financial decisions. Every calculation happens on your device. Your data never leaves your phone.

— TOOLS INCLUDED —

Loan Tracker
Add and manage personal loans. Track principal, interest rate, EMI amount, and due date for every loan you owe — stored locally, fully private.

EMI Calculator
Enter any loan amount, annual interest rate, and tenure to get your monthly payment instantly. Works offline, no server call.

Affordability Calculator
Know before you borrow. Enter your income and maximum monthly EMI to see the largest loan you can safely take on.

Bill Reminders
Set recurring reminders for rent, electricity, subscriptions, and loan payments. Get notified before the due date — no cloud sync needed.

Amortization Schedule
See the complete month-by-month repayment breakdown for any loan: principal paid, interest paid, and outstanding balance at every step.

Loan Comparison
Evaluating two loan offers? Compare total cost, monthly payment, and total interest side-by-side before you sign.

Interest Rates
Live US Federal Reserve benchmark rates — federal funds rate, mortgage rates, treasury yields — via the free FRED API. Requires a free FRED key (fred.stlouisfed.org); shows a clear empty state without one.

Country Macro Data
GDP growth, inflation (CPI), and unemployment rates for countries worldwide from World Bank Open Data. No API key needed.

Currency Exchange Rates
Live foreign exchange rates for any base currency — useful for travel, international transfers, or tracking money across borders.

— WHY MONEY TOOLKIT —

No login or account — open the app and start immediately.
Works offline — calculators, loan tracking, and bill reminders need no internet.
No ads, no tracking, no analytics — your financial data stays on your device.
No subscription — free forever.
Open source — MIT licensed. Code available on GitHub.

Built by the Mifos Initiative, a nonprofit with 15+ years of experience building financial tools for underserved communities worldwide.

GitHub: https://github.com/openMF/kmp-project-template

What’s new

What's new in 2026.6.1:

• Faster loan, bill, and rate screens — data loads more reliably on slow connections
• Smoother first-launch experience with better offline data handling
• More stable app — fixed edge-case crashes and improved background data refresh
• Improved build pipeline for faster, more reliable future updates

100% offline — no login, no account, no ads.