Moneto: Money Manager & Budget

Moneto is a calm, minimal money manager: a simple expense tracker and budget planner. See where your money goes, plan each month around payday, and get a reminder before a bill is due. No sign-up needed to start.

Track daily expenses in two taps, set budgets that follow your own pay cycle, and keep every account, card, debt, savings goal and your net worth together in one clear money manager.

Expense tracker & income log
• Add expenses, income and transfers in seconds, with a built-in calculator
• Categories, subcategories, labels, notes and receipt photos
• Split one payment across several accounts (for example part cash, part bank)
• Recurring transactions for rent, subscriptions, loans and salary
• Search every entry, filter by date, category, label or account, and edit many at once
• 150+ currencies with automatic or custom exchange rates

Budget planner that follows your payday
• Daily, weekly, biweekly, monthly, quarterly, yearly or custom date-range budgets
• Your month starts on payday, not on the 1st
• A pace marker shows whether today's spending is on track
• Change one month's budget without touching the plan
• Optional alerts when a budget reaches 80% and 100%

Bills, subscriptions & reminders
• Every upcoming bill and subscription on one timeline
• Bill reminders the day before and on the due date
• Record, skip or postpone a payment with one tap

Accounts, credit cards & net worth
• Cash, bank, e-wallet, savings, investment and credit card accounts
• Credit limit, statement day, due date and card installments
• Assets and net worth on a clear chart, from 7 days to all time
• See transfers in and out of every account

Debt tracker & loans
• Money you borrowed and money you lent, side by side
• Installment plans that show which month you are on and whether you are on track
• Record interest received or paid as real money, without changing what is owed
• Repayments update your account balances automatically

Savings goals, monthly plans & trips
• Savings goals with milestones you can see
• A monthly planner to compare plan and reality
• Trip and event budgets that keep a holiday or a wedding on track

Reports & insights
• Cash flow, category breakdowns, daily trends and a spending heatmap
• Calendar of daily spending, monthly and yearly overviews
• Financial health score and a wealth level based on your own spending
• Export reports to PDF or Excel

Made for everyday use
• Home screen widgets and quick add from the app icon
• Passcode lock, dark mode and theme colors
• 11 languages and 150+ currencies
• Backup and restore anytime; your data stays on your phone
• Works offline

Expense tracker, budget app, spending tracker, bill reminder or personal finance manager — whatever you call it, Moneto helps you know where your money goes and keep more of it.

Free to use. Premium removes ads and limits and supports a small independent team.

Recent changes:
What's new in Moneto:

• Cash flow in Thai — month labels now fit neatly
• Bug fixes and performance improvements

A small update to keep everything running smoothly.