Money Journal - Budget Planner

Expense tracker & bill manager — plan your budget with no bank linking required

Your finances are private. Your budget app should be too.

Money Journal is a privacy-first budget planner and expense tracker that works without linking your bank account. No credentials to share, no third-party data access, no risk. Just you, your plan, and complete control over your money.

Most budgeting apps only tell you where your money went. Money Journal helps you plan where it will go.

PLAN YOUR BUDGET

Create your spending plan before the month begins. Add recurring income from salaries, freelance work, rental payments, or dividends. Set fixed expenses for predictable bills like rent, subscriptions, and insurance. Budget flexible spending for groceries, dining, and entertainment. Define savings goals and track your progress toward each one.

Organize your money into dedicated wallets — emergency fund, checking, savings, or however you manage your accounts. Your closing balance automatically carries forward as next month's opening balance, so your plan always reflects reality.

FLEXIBLE BILLING CYCLES

Real life doesn't follow a single schedule, and neither should your budget. Set each income and expense on its own cycle — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions are generated automatically, and reminders ensure you never miss a bill or payment.

LOG TRANSACTIONS YOUR WAY

Add transactions in seconds against your planned categories. Scan receipts with your camera for AI-powered import that fills in the amount, category, and details automatically. Import transactions from bank statements and CSV files. See your forecast versus actuals in real time, and always know exactly how much you have left to spend.

REVIEW AND UNDERSTAND YOUR FINANCES

See your cash flow at a glance with clear income versus expense breakdowns. Dive into spending allocation by category, view monthly and yearly summaries, and spot spending patterns before they become problems. Your financial insights are always just a tap away.

DESIGNED FOR YOUR LIFE

- Supports 80+ currencies for tracking finances worldwide
- Create custom categories with icons to match your lifestyle
- Syncs securely across Android, iPhone, iPad, and the web
- Available in 12+ languages
- Material You design on supported Android devices

PREMIUM

Unlock powerful tools to take your financial planning further:

- AI receipt and statement import
- Spending insights and analytics
- Real-time sync across all your devices
- Unlimited wallets for detailed fund management
- Sub-categories for granular expense tracking
- Export transactions to CSV

YOUR DATA STAYS YOURS

Money Journal is built on a simple principle: your financial data belongs to you. There is no bank account linking, no selling of data to advertisers, and no third-party tracking.

Download Money Journal and take control of your financial future — a private, powerful budget planner and expense tracker that puts you in charge.