MoneyBook: Expense Tracker App

MoneyBook is an expense tracker and budget planner that works fully offline. Track spending, plan a monthly budget, pay off debt and grow your savings in one private money manager, with no account, no ads and no subscription.

One-time purchase · No subscriptions · No ads · No account · Works offline

Daily expense tracker
• Add expenses, income and transfers in seconds with a calculator keypad, bookmarks and smart suggestion chips
• Categories and subcategories, tags, payees, split transactions and refunds
• Daily list, monthly calendar and yearly overview, with fast search
• Up to 5 receipt photos on any transaction
• Quick add from widgets, shortcuts, a notification or voice entry
• Optional capture from bank notifications, processed only on your phone
• Rules, a to-review inbox, bulk edit, duplicate finder and reconcile

Budget planner
• Weekly, monthly or annual budgets with carry-over of what you didn't spend
• Envelope budgeting, budget groups and sinking funds for yearly costs
• Safe to spend today and a 30-day cash flow forecast
• Budget and balance alerts, plus payday plans and spending pace

Bills, cards and subscriptions
• Recurring bills, subscriptions and income with reminders
• Credit cards with statement and due dates, and interest-free days
• Installment plans and pay-later plans

Savings, debt and net worth
• Savings goals with optional round-ups, and no-spend challenges
• Debts and loans: lent, borrowed and repaid
• Loan planner and debt payoff planner (snowball or avalanche)
• Assets, net worth, holdings with cost basis and dividends
• Split bills with friends, or keep a household book you share by file, with no server

Charts and reports
• Pie and trend charts show where your money goes
• Insights, cash flow, money flow, Age of Money and Year in Review
• Saved views and reports, a PDF monthly statement and a report as a web page
• Tax and year-end pack, tax set-aside, mileage log and invoices
• Runway, savings rate and what-if scenarios
• Shopping lists, price history, and returns and warranties

Books, currencies and cash
• Separate books for personal, family, business or travel, and trips as events
• Multiple currencies with your own exchange rates, a converter and travel cash pockets
• Daily cash book, count cash, and a zakat calculator

Your data, your control
• No internet permission: your money data never leaves your phone
• Passcode lock with fingerprint or face unlock, and a privacy mask that hides amounts
• Import CSV, OFX, QFX or QIF from your bank, or a CSV from another money app
• Export to CSV, Excel, QIF, JSON and PDF
• Daily local snapshots, encrypted backups to a folder you choose, an audit trail and an easy move to a new phone

Made for older and low-end phones
MoneyBook runs on Android 4.3 and newer, is a download of under 2 MB and stays fast on phones with 1 GB of RAM, even with large ledgers.

Tablet and Wear OS
• Two-pane ledger on tablets, with keyboard, mouse and drag-and-drop
• Wear OS app: a safe-to-spend tile, complications and quick add from your wrist. The watch keeps its own ledger (no phone sync)
• Home-screen widgets for the month, budgets, upcoming bills and quick add, plus dark mode

Languages: English, Español, Português, Français, Deutsch, Italiano, Русский, 日本語, 한국어, 简体中文, 繁體中文, العربية, हिन्दी, Bahasa Indonesia, Türkçe, Tiếng Việt, ไทย, Polski, Nederlands, Українська.

MoneyBook is a personal finance app for tracking and planning. It does not connect to your bank and never moves money. Its debt, tax and investment calculators are tools, not financial advice.

Questions or ideas? Write to [email protected].