Moneto: Budget & Expenses

Budget planner, expense tracker & money manager. Offline, encrypted, ad-free.

Moneto is a free budget planner, expense tracker, and money manager built for privacy. Use it as your spending tracker, bill tracker, debt payoff planner, and personal finance app — all in one place. Track every expense, set category budgets, pay off debt, hit savings goals, and watch your net worth grow — 100% offline and encrypted on your phone.

No sign-up. No account. No ads. No tracking. Ever.

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WHY MONETO
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🔒 100% Local & Encrypted — Your financial data never leaves your device. Everything is stored in an AES-256 SQLCipher database, with the encryption key safely locked inside your phone's secure keystore.

📴 Works Fully Offline — No internet required. No servers to trust. No subscription traps.

🧠 Everything You Need, Nothing You Don't — Budgets, categories, accounts, recurring bills, debts, investments, goals, reports — a complete personal finance toolkit in one clean interface.

🌍 15 Languages + Arabic RTL — Use Moneto in English, Spanish, French, German, Portuguese, Italian, Hindi, Arabic, Chinese, Japanese, Korean, Russian, Turkish, Indonesian, and Vietnamese — with full right-to-left layout support.

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POWERFUL FEATURES
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💸 Smart Expense Tracking
• Log income, expenses, and transfers in seconds
• Attach receipt photos to any transaction
• Multiple accounts (cash, bank, cards, wallets)
• Custom categories with icons and colors

📊 Budgets That Actually Work
• Monthly, weekly, or custom-period budgets
• Per-category spending limits with progress bars
• Local push alerts when you're approaching a limit
• Rollover support for unused budget amounts

🎯 Goals & Savings
• Set savings goals with target dates
• Track progress visually
• Break big goals into milestones

💳 Debt Planner
• Snowball and avalanche payoff strategies
• Interest-aware payoff schedules
• See your debt-free date at a glance

📈 Investment Tracker
• Log holdings, contributions, and returns
• Track performance over time

🏦 Net Worth Dashboard
• Assets minus liabilities, updated in real time
• Historical net worth trend

🔁 Recurring Transactions
• Automate rent, salaries, subscriptions, bills
• Smart reminders before each charge
• Auto-post or confirm-to-post workflows

📑 Reports & Insights
• Spending by category, month, or account
• Income vs. expenses trends
• Beautiful charts, zero data leaving your phone

👥 Multiple Profiles
• Keep personal, family, and business finances in fully separate, encrypted databases
• Switch profiles in one tap

🔐 Privacy & Security
• Biometric app lock (Face ID / Touch ID / fingerprint)
• Configurable auto-lock timer
• Full data wipe option
• Encrypted CSV backup & restore

📤 Own Your Data
• Export everything to CSV at any time
• Versioned backups you can save anywhere
• Never locked in — your data is always yours

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BUILT FOR PRIVACY
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Unlike most finance apps, Moneto does not connect to your bank, does not sync to the cloud, does not run analytics, and does not serve ads. There is no server behind Moneto at all. Your money is your business.

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PERFECT FOR
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• Budgeters tracking monthly spending
• Families managing shared expenses
• Freelancers separating business and personal
• Students learning to manage money
• Anyone paying down debt or saving for a goal
• Privacy-conscious users who refuse cloud finance apps

Take back control of your money with Moneto — the honest, private, beautifully simple money manager.

Download Moneto today. Your wallet will thank you.