Moniply: Budget & Expenses

Moniply is a budget and expense tracker for Android that never asks for your bank login. No account, no sign-up, everything you enter stays on your phone. Most budgeting apps want your online banking credentials before they will work. A lot of sensible people will not hand those over, and they should not have to. Moniply works entirely from what you enter, so there is nothing to breach. ▬▬▬ WHAT YOU GET ▬▬▬ BUDGET PLANNER THAT ADAPTS Set a monthly limit per category and see exactly where your income goes with the 50/30/20 view. Unspent money can roll into next month, so a careful month is rewarded instead of forgotten. EXPENSE TRACKER THAT WORKS OFFLINE Add spending in two taps, split one purchase across several categories, and tag anything — holiday, renovation, a client name. No internet needed. BILL REMINDERS BEFORE THE DUE DATE Track every bill and subscription and get told three days early, one day early and on the day. Tap the notification to pay it off. RECEIPT PHOTOS AND SCANNING Point the camera at a receipt and Moniply reads the total for you. The photo stays attached to the transaction, so you can find the proof years later. AN AI COACH, NOT A SPREADSHEET A money health score out of 100, plus plain-English insights drawn from your own numbers — category spikes, price creep on repeat merchants, small leaks, runway risk — and a weekly plan of what to do next. DEBT PAYOFF PLANNER Avalanche or snowball, your debt-free date, and what each extra payment saves you in interest. CASH FLOW FORECAST See your projected balance 30 days ahead after every bill and recurring payment, and get warned before you run dry. MORE INSIDE - Accounts, transfers and a running statement of every balance - Savings goals and sinking funds for the once-a-year bills - Investments — shares, crypto, gold and property - Business and freelance mode with profit by quarter - Expense claim PDF with your receipt photos printed alongside - Searchable reports, CSV import from any bank or budgeting app - Home screen widget, dark mode, PIN and fingerprint lock - English, German, French and Spanish ▬▬▬ YOUR DATA STAYS YOURS ▬▬▬ Moniply runs no servers. There is no database of your finances anywhere, because we never receive it. If you want protection against a lost phone, connect your own Google Drive and Moniply saves one backup a day into a private folder in your account — we cannot read it. Receipt photos never leave your device. ▬▬▬ FREE AND PREMIUM ▬▬▬ Free covers daily budgeting: transactions, budgets, bills, accounts, goals, receipt photos and the coach basics. Premium adds cash flow forecasting, searchable reports, automatic capture from bank notifications, the debt payoff coach, investments, sinking funds, backup and export — and removes ads. $4.99 a month or $49 a year, with a 7-day free trial. Cancel any time. ▬▬▬ HONEST LIMITS ▬▬▬ Moniply does not connect to your bank, so it cannot import transactions from an account automatically. Auto-capture reads your bank's payment notifications on your phone instead, and you can import a CSV from your bank or another app. If you need fully automatic bank imports, this is not the app for you — and we would rather say so now than take your money first. Moniply provides educational guidance, not financial advice.