MoneyBook: Expense Tracker App

MoneyBook is an expense tracker and budget planner that works fully offline. Track spending, plan a monthly budget, pay off debt and grow your savings in one private money manager, with no account, no ads and no subscription.

One-time purchase · No subscriptions · No ads · No account · Works offline

Daily expense tracker
• Add expenses, income and transfers in seconds with a calculator keypad, bookmarks and suggestion chips
• Categories, tags, payees (hide old ones from suggestions), projects, split transactions and refunds
• Daily list, calendar and year view, with fast search that can leave out accounts, categories or payees
• Up to 5 receipt photos on any transaction
• Quick add from widgets, shortcuts, a notification or voice entry
• Optional capture from bank notifications
• Rules, learned categories, a to-review inbox, bulk edit with a selection total, reconcile and change history
• Add to MoneyBook from any selected text, or catch up a week of paper notes in one grid

Budget planner
• Weekly, monthly or annual budgets with carry-over of what you didn't spend
• Envelopes with targets and Auto-assign, sinking funds, and caps you can lock
• Safe to spend today and a 24-month outlook with your lowest balance
• Budget and balance alerts, payday plans and spending pace

Bills, cards and subscriptions
• Recurring bills and income with any repeat
• Subscriptions and bills that vary: late and new flags, price rises, free-trial ends, how-to-cancel notes
• Credit cards with due dates, interest-free days and a rewards guide
• Installment and pay-later plans, fee tables for mobile money
• Utility meters with tiered tariffs, bill checks and room shares

Savings, debt and net worth
• Goals with a plan and priority, 52-week and no-spend challenges
• Life plan: when you can retire, a home, a child, with a range of outcomes
• Debts and loans, and a credit book for shop customers and suppliers
• Gift book for weddings, funerals and New Year; giving and pledges
• Savings groups (hụi, tanda, ekub, arisan, chit fund) with your turn and the cost of bids
• Debt payoff planners (snowball or avalanche)
• Net worth, accounts sorted by balance with notes, term deposits, points and gift cards with expiry
• Holdings with cost basis, XIRR, a target mix and rebalance helper
• Members (mine, yours, ours) and a household book shared by file or folder, no server

Charts and reports
• Pie and trend charts with average and trend lines, insights, cash flow, money flow and Year in Review
• PDF reports, a health check, Worth it?, prices in work time and payslips
• Fees paid, the cost of money sent home, project profit and expense claims
• Tax packs (US, UK, DE, IN, JP, VN), mileage and invoices

Books, currencies and cash
• Separate books from templates, and trips as events
• Multiple currencies with your own rates and travel cash pockets
• Daily cash book, count cash, a cash-stuffing plan and a zakat calculator
• Insurance vault: policies, renewals and encrypted documents

Your data, your control
• No internet permission: your money data never leaves your phone
• Passcode with fingerprint, a lock per book and a privacy mask
• Import PDF statements, CSV, OFX, QFX or QIF from your bank, or a CSV from another app
• Export to CSV, Excel, QIF, JSON and PDF
• Encrypted backups, an audit trail, an easy phone move and an emergency binder for your family

Made for older phones: Android 4.3 and newer, fast with 1 GB of RAM.

Tablet and Wear OS
• Two-pane ledger on tablets with keyboard and mouse
• Wear OS: a safe-to-spend tile, complications, quick add, a plan code from the phone and send to phone by QR
• Widgets for the month, budgets, bills and quick add, plus dark mode

Languages: 20, switchable inside the app.

MoneyBook is a personal finance app for tracking and planning. It does not connect to your bank and never moves money. Its planning, tax and investment calculators are tools, not financial advice.

Questions or ideas? Write to fighttech.vn@gmail.com.

Recent changes:
MoneyBook 2.12:
• Rules: turn one off without deleting it
• Envelopes: hold money for next month
• Edit › Save as a new row (the one you opened stays as it was)
• Payees: tags that each new row of the payee gets
• Budgets: this month and the year so far, spent of planned