WinzMoney — Expense tracker, budgets and debt book

A money tracker that logs an expense in seconds, stays fast and works with no internet at all.

🚀 LOG A TRANSACTION IN SECONDS
A purpose-built numpad with category and wallet pickers on one screen — a few taps and you're done. Home gathers your total balance, income and expense for the period, the last 7 days of spending, budgets nearing their limit and bills coming due.

💳 MANAGE AS MANY WALLETS AS YOU NEED
Create an unlimited number of wallets from 21 built-in types: cash, bank accounts, credit cards, e-wallets, savings, emergency funds, travel funds, business accounts and more. Every wallet keeps its own running balance and its own currency from 8 options: VND, USD, EUR, GBP, JPY, KRW, CNY, THB.

Move money between two wallets in a single step, instead of entering an expense and an income by hand. Each wallet screen filters its history by date, type and category or searches it by keyword, and every analytics report can be narrowed to one wallet.

📈 ANALYTICS THAT ACTUALLY ANSWER THINGS
Three views: an Overview by category, a Comparison against the previous period or the same period last year, and Trends over 3, 6 or 12 months with net cash flow and savings rate.

🎯 MONTHLY BUDGETS THAT WARN YOU EARLY
Set a monthly spending limit per category (food, transport, shopping), for your total monthly spending, or for one specific wallet. Budgets carry over to the next month automatically, so you set them once.

Each budget shows what you've spent against the limit, with a progress ring that turns orange at 70%, red at 90% and deep red once you go over — so you notice mid-month, not too late. Your four biggest budgets sit right on Home, along with a heads-up when a category is running hotter than it did over the same days last month.

⏰ RECURRING BILLS WITH REMINDERS
Rent, electricity, water, internet, tuition, insurance, subscriptions. Pick a weekly, monthly or yearly cycle and how many days ahead to be reminded. When it's due, confirm once — the bill becomes a real transaction and rolls to the next cycle.

🤝 A DEBT BOOK THAT WORKS BOTH WAYS
Keep a record of money borrowed between you and people you know, with "Owed to me" and "I owe" kept separate. Partial payments post straight to your wallet, so you always know how much is left, and anything due in the next 7 days gets a notification. This is a personal record book; the app does not provide loans.

🏦 SAVINGS GOALS AND LOGGING REMINDERS
Set a target amount and date, then watch the progress. Add a daily or weekly reminder so you never forget to log.

📷 RECEIPT PHOTOS
Snap one with the camera or pick from your gallery and attach it to a transaction, with a dedicated gallery to search and filter them later.

📤 EXPORT FILES AND BACK UP TO GOOGLE DRIVE
Export transactions to CSV, Excel (.xlsx) or PDF for any date range, then save or share the file anywhere. Back everything up — receipt photos included, if you want — to your own Google Drive in the app's private data area, and restore it on a new phone.

🎨 MAKE IT YOURS
Light, Dark or follow the system, plus six color palettes: Ocean Blue, Sunset Coral, Nordic Slate, Berry Plum, Forest Sage and Amber Dune. English and Vietnamese switch instantly with no restart, and there are three date formats.

🔒 YOUR DATA STAYS ON YOUR PHONE
Every transaction is stored locally and the app works fully offline. No account, no sign-up; you only sign in with Google if you choose to back up to Drive.

💯 USE WITH NO PAID TIER
No Premium version, no subscription, no in-app purchase of any kind. Unlimited wallets, budgets, Excel and PDF export, Drive backup and receipt photos — all of it without paying anything.

The app shows small in-list ads to stay free, and never takes over your screen while you're using it. Rewarded videos only play when you choose to watch one to unlock Excel/PDF export or a color palette.

Download WinzMoney and get a clear view of your money today.