MoneyMate is a personal finance manager that works entirely offline.

Every account, transaction, budget and bill lives in a database on your own phone. There is no sign-in, no cloud account, and no server — MoneyMate makes no network requests at all. Your money is nobody else's business, including ours.

WHAT YOU CAN TRACK

• Accounts — cash, bank, mobile wallet, credit card and savings, each with its own currency, colour and opening balance.
• Transactions — income, expenses and transfers, with category, payee, note, labels and an optional receipt photo. A calculator keypad keeps the amount, category and account on one screen.
• Categories — a ready-made tree covering food, shopping, housing, transport and bills, plus your own, nested however you like.
• Budgets — weekly, monthly or custom limits per category or overall, with a progress bar and a notification at 80% and 100%.
• Planned payments — upcoming and overdue bills, with reminders. Marking one paid records the real expense.
• Recurring records — daily, weekly, monthly or yearly rules that post themselves, and catch up on anything missed while the app was closed.
• Debts and goals — money owed in either direction with partial repayment and a payoff schedule, plus savings targets with progress.
• Reports — spending by category, cash flow, and a balance trend over time, filtered by date range and account.

IMPORT AND BACKUP

• Import a CSV or PDF statement from your bank. Columns are detected and shown for you to correct, rows already in your records are flagged, and nothing is written until you confirm.
• Export your ledger to CSV for a spreadsheet.
• Take a full encrypted backup — AES-256-GCM under a passphrase only you know — and restore it on a new phone.

PRIVATE BY CONSTRUCTION

• No analytics, no crash reporting, no advertising, no tracking of any kind.
• No permission to read your messages, and no camera access.
• Lock the app with a PIN, your fingerprint or face.
• Delete everything at any time from Settings, or by uninstalling.

Multiple currencies are supported with exchange rates you set yourself, and the app follows your system light or dark theme.