Amunta – Debts & Expenses

Do you forget who you lent money to or borrowed from? Want to record expenses and invoices without complicated accounts?

Amunta is a personal accounting app for managing expenses, income, debts, invoices, budgets and installments. Its core features work offline, it requires no account and shows no ads.

Your data stays on your device by default. The app only uses an internet connection when you choose to share a transaction through A-Link or save an encrypted backup to your Google Drive account.

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Track debts and amounts due
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• See who owes you and whom you owe
• Separate balance and transaction history for each person
• Record loans, partial or full repayments and overpayments
• Weekly, monthly and yearly balance charts
• Export a detailed account statement to PDF

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Connect two ledgers with A-Link
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• Connect two people using a network ID
• Record a transaction once and send it to the other phone
• Disconnect at any time

A-Link+ adds approval by both parties for operations that create a debt or change the balance. Other operations do not require new approval for every entry.

The transaction is encrypted on the phone before it is sent. The server relays the encrypted message without reading its contents, then deletes it after successful delivery or automatically after 24 hours if it is not delivered.

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Transfer a transaction by QR offline
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• Transfer a transaction or invoice directly between two phones
• Check the currency and details before importing
• A digital signature helps verify the source and integrity
• Prevent the same transaction from being imported twice

The QR code is signed for verification, but it is not an encrypted channel. It is designed for direct transfer between two phones, not for sharing its image publicly.

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Keep every invoice detail
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• Cash and deferred sales and purchase invoices
• Items, quantities, prices and a clear total
• Add products, signatures and receipt images
• Link a deferred invoice to a contact's balance
• Export reports and searchable PDF statements
• Track any item: your usual price, the best you paid, and who sells it cheapest

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Record everyday transactions
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• Record income, expenses, loans and repayments
• Ready-made categories for food, transport and more
• Add notes, images and attachments
• Choose the right currency for your ledger

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Plan installments and budgets
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• Installment plans with custom amounts and dates
• Track paid and remaining amounts
• Local reminders when a payment is due
• Weekly, monthly and yearly budgets
• Alerts when you approach a budget limit
• Reports and charts for understanding income and spending

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Interface available in 16 languages
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Arabic, Chinese, English, French, Fulani, German, Hindi, Indonesian, Persian, Portuguese, Russian, Soninke, Spanish, Turkish, Urdu and Wolof.

Amunta supports RTL and LTR layouts, and you can choose the language inside the app.

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Privacy is part of the design
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• No account, email address or phone number
• No ads or marketing trackers
• Your main records are stored on your device
• Optional, end-to-end encrypted A-Link
• Password-encrypted local backup
• Optional encrypted backup on Google Drive
• App protection with a PIN

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Split money across multiple funds
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• Add safe, wallet or bank-account funds
• Separate balance for every fund
• Move an amount from one fund to another
• Transfers do not count as income or expense
• Optional fees for wallets or bank accounts

Amunta — a clear personal finance ledger that works even when the internet is unavailable.