Money Me - Personal Finance

Money Me is a personal finance tracker and budget planner that gives you a clear picture of your money — without ever asking for your bank login. Whether you want to stop overspending, build a savings habit, or simply know where your money goes each month, Money Me keeps it simple and private. WHO IT'S FOR • People who want a straightforward expense tracker without connecting a bank account • Anyone building a monthly budget around a specific pay date • Savers tracking multiple goals at once (emergency fund, holiday, car, home deposit) • Those managing shared debts or money owed between friends and family • Anyone who has tried other finance apps and found them overly complex or intrusive WHAT YOU CAN TRACK • Bank accounts and current balances • Recurring and one-off expenses • Monthly income from multiple sources • Savings goals with progress tracking and contribution history • Debts — money you owe and money owed to you KEY FEATURES Available Balance — see exactly how much you can spend today, after all committed expenses, savings contributions, and expected income are accounted for. No more guessing. Monthly Surplus — track your income versus expenses across any time period. Understand at a glance whether you are ahead or behind this month. Savings Goals — set a target amount, track progress, and log contributions. Choose whether saved money is locked away or still accessible — Money Me adjusts your available balance accordingly. Spending Analytics — view income vs expense charts over 6 months to spot patterns and trends in your personal finances. Custom Month Boundaries — align your financial month to your actual pay date, not the calendar. If you get paid on the 25th, your month starts on the 25th. Works Offline — your data stays on your device. No cloud sync required, no account needed to get started. Dark Mode — easy on the eyes for evening use. HOW IT WORKS 1. Add your bank accounts and starting balances 2. Enter your monthly income and regular expenses 3. Set up savings goals with target amounts 4. Check your available balance and monthly surplus each day 5. Log any debts or money owed between you and others Money Me does the calculations automatically. You see your real financial position in seconds, not spreadsheets. WHY USERS LOVE IT "Finally a budget app that doesn't need my bank details." "The available balance feature changed how I think about spending." "Simple, fast, and does exactly what I need." "Tracking savings goals keeps me motivated." "The custom month start date is a game-changer if you're not paid on the 1st." Money Me focuses on clarity. There are no unnecessary screens, no push to connect third-party services, and no ads cluttering the experience. It is a spending tracker and financial planner that respects your time and your privacy. PRIVACY PROMISE Money Me never connects to your bank. There is no open banking integration, no read access to your accounts, and no transaction data leaving your device without your control. You enter your own numbers. That is it. No data is sold to third parties. No behaviour tracking for advertising. Your financial information stays yours. This makes Money Me ideal for users who want a personal finance manager without handing over sensitive credentials to a third party. SIMPLE, HONEST PRICING £4 per month or £40 per year — save two months with the annual plan. No hidden fees. No ads. No upsells inside the app. One price, full access to every feature. Try the app free. Explore the dashboard and get a feel for how it works before subscribing. KEYWORDS personal finance, budget tracker, expense tracker, money manager, spending tracker, savings goals, monthly budget, financial planner, budget planner, income tracker, debt tracker, money tracker, finance app, available balance, surplus tracker