Mony: Finance Tracker

Mony — Private Finance Manager Mony puts you back in control of your money — without spreadsheets, subscriptions, or handing your financial life to the cloud. Everything runs 100% on your device. No account, no sign-up, no tracking. Ever. From daily coffee to monthly rent, Mony helps you see exactly where your money goes and where it's heading next — all in a fast, beautifully designed app that actually feels good to open. **************************** WHY MONY IS DIFFERENT **************************** ◆ YOUR DATA NEVER LEAVES YOUR PHONE No servers. No accounts. No analytics watching over your shoulder. Your finances stay yours — completely offline, completely private. ◆ IT LOGS EXPENSES FOR YOU Mony reads your bank and payment notifications right on the device and turns them into transactions automatically — even peer-to-peer payments like "Juan sent you €20." It recognizes the merchant, guesses the category, and all you do is tap to approve. ◆ BUILT TO BE LIVED IN Silky animations, dark & light themes, custom accent colors, and a dashboard that answers "how am I doing?" in a single glance. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ EVERYTHING YOU NEED ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ◆ EXPENSE & INCOME TRACKING Add transactions in seconds or let Mony detect them for you. Tag merchants, add notes, choose accounts, and keep income and spending perfectly organized. ◆ BUDGETS THAT ACTUALLY HELP Set budgets per category and get a heads-up at 80% and 100%. See your remaining balance, safe daily spending, and how this cycle compares to the last. ◆ SUBSCRIPTION RADAR Netflix, Spotify, the gym you forgot about — track every recurring charge, get reminded before it hits, and cut the ones you don't use. ◆ FINANCIAL HEALTH SCORE A personal score built from your savings rate, budget discipline, stability, and spending trends — with clear, actionable tips to push it higher. ◆ INSIGHTS THAT MAKE SENSE Category breakdowns, spending trends, daily averages, and period-over-period comparisons that turn raw numbers into real understanding. ◆ MULTIPLE ACCOUNTS & CURRENCIES Cash, cards, banks, and wallets in one place. True multi-currency support with per-account filtering and grouped views. ◆ SAVINGS GOALS Set a target, watch the progress bar fill, and know exactly how much to set aside each month to get there. ◆ YOUR OWN FINANCIAL CYCLE Paid on the 25th? Your month doesn't start on the 1st — so Mony's doesn't either. Define custom cycles and jump between periods with ease. ◆ SMART MERCHANTS & CATEGORIES Two-level categories and merchant suggestions that learn from your habits, so your spending organizes itself over time. ◆ LOCAL REMINDERS & ALERTS Budget warnings, bill reminders, and subscription alerts — all generated privately on your device. Never miss a payment again. ◆ BIOMETRIC LOCK Guard your finances behind fingerprint or face unlock. ◆ YOU OWN YOUR DATA Full local backup and restore, plus export to JSON or CSV whenever you want. No lock-in, no strings. ◆ MAKE IT YOURS Multiple accent themes, dark & light mode, and smooth transitions throughout. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Mony is free, ad-free, and built with care — a finance app that respects your privacy as much as your wallet. Download Mony and take control of your money today.