Moneto: Expense & Budget

Moneto — the simple, private money manager for personal finance. Track expenses, plan budgets, hit savings goals, and see exactly where your money goes. No sign-up. No ads shoved down your throat. 100% offline by default.

Whether you're paying down debt, saving for a trip, or just tired of your balance surprising you, Moneto gives you an editorial-clean dashboard that shows income, expenses, wallets, debt, and investments in one place. Built for daily expense tracking that actually sticks.

WHY MONETO
• Everything on-device — your data never leaves your phone
• No account, no email, no ads-driven tracking
• Multi-wallet, multi-currency, multi-language (10 languages)
• Designed around a real monthly cutoff, not the calendar first
• Backup & restore whenever you want

EXPENSE & INCOME TRACKING
Log transactions in seconds. Categories, subcategories, labels, notes. Wallet-to-wallet transfers. Recurring transactions for rent, subscriptions, salary. Smart search and filter by date, category, or wallet. 40+ currencies with automatic exchange rates.

BUDGET PLANNER
Daily, weekly, biweekly, monthly, or yearly budgets. Real-time progress bars with overbudget alerts. Category roll-ups so groceries and dining out don't slip through the cracks. Period-aware — set your own monthly cutoff (15th, 25th, custom).

SAVINGS GOALS
Set a target, pick a wallet, watch the needle move. Visual milestones keep momentum honest. Auto-links savings transactions to your goal so you never double-count.

FINANCIAL PLANNER
Map out next month before it arrives. Plan income vs expenses, set a target saving rate, and compare planned vs actual. Great for couples, freelancers, and anyone whose income isn't flat.

DEBT TRACKER
Owed and lent, in one ledger. Record payments, watch remaining balance drop, and link every payment back to a real transaction — no double entry.

ASSET & NET WORTH TRACKER
Investments, property, vehicles, crypto, valuables. Log value changes over time and watch your net worth chart grow across all wallets and assets.

EVENT TRACKING
Trips, vacations, weddings, holidays. Group transactions by event and see the real total — in your home currency even when you spent in euros and yen.

REPORTS & INSIGHTS
Cashflow charts, category breakdowns, calendar heatmap, monthly reports, spending streaks, savings-rate trends. Export beautifully formatted PDFs. Daily, weekly, and yearly views.

MULTI-WALLET & MULTI-CURRENCY
Checking, savings, cash, e-wallets, credit cards, investment accounts. Each wallet has its own currency. See unified balance in your main currency with live FX rates.

MORE
• Light + dark mode with editorial Instrument Serif typography
• Custom theme color
• Calendar view of every transaction day
• Custom monthly cutoff day
• Passcode lock
• Recurring transaction reminders
• 10 languages: English, Spanish, German, Arabic, Hindi, Indonesian, Japanese, Malay, Burmese, Turkish
• Backup & restore to file

Money Manager, Budget Planner, Expense Tracker, Debt Tracker, Savings Goals, Net Worth Tracker — Moneto covers your entire personal finance picture without the bloat.

Your finances. Your device. Your rules.

Download Moneto today and take real control of your money.