Monerva: Spend Wisely

Take control of your money with Monerva — the offline-first personal finance app built for real budgets, real wallets, and real spending habits.

No accounts. No cloud. Your data lives on your device.

--- TRACK EVERY TRANSACTION ---
Log income and expenses in seconds. Organize by category and see exactly where your money goes. Use the built-in receipt scanner to auto-fill the amount, date, and merchant from a photo.

--- MULTI-WALLET SYSTEM ---
Create wallets for cash, bank accounts, or any fund. Transfer money between them with optional fees. Every transaction links to a wallet so balances stay accurate automatically.

--- CREDIT CARD TRACKING ---
Add credit cards, charge expenses to them, and record payments. Track your outstanding balance and credit utilization in real time.

--- BUDGET BY CATEGORY ---
Set monthly spending limits per category. See which categories are on track, approaching the limit, or over budget. Month Projection tells you if you'll finish the month under budget.

--- SAVINGS GOALS ---
Define goals with a target amount and deadline. Track progress with color-coded bars. Contribute any amount at any time and watch your goal fill up.

--- DEBT & LOAN TRACKER ---
Track money you owe and money owed to you. Log partial payments, view full payment history, and set date reminders so due dates never sneak up on you.

--- ANALYTICS & INSIGHTS ---
Spending over time, category breakdowns, income vs. expenses, average daily spend, and intelligent insights — all powered by your own data, no server required.

--- PRIVACY FIRST ---
Monerva never connects to the internet. All data is encrypted on-device. Enable Privacy Mode to blur all amounts with one tap.

--- MORE FEATURES ---
- Receipt scanner with on-device OCR
- Emergency fund calculator
- Recurring expenses
- PDF export for transactions and debts
- Data backup and restore
- Custom categories and income sources
- 40+ currencies
- Dark mode
- iPad support

Download Monerva and start building better money habits today.