Monia: Budget & Money Tracker

Monia is a simple, private personal finance app designed to help you take complete control of your finances. As an all-in-one budget and money tracker, Monia makes it effortless to record daily expenses, plan monthly budgets, monitor income, and manage loans or borrowed money—all in one place.

Whether you want to manage your monthly salary, track household spending, or remember money lent to friends, Monia keeps your finances organized without unnecessary complexity.

DAILY EXPENSE TRACKING
Record your day-to-day spending in seconds and keep every transaction organized.
• Instant logging: Add expenses manually or use voice input for hands-free entry
• Smart categories: Organize spending into Food, Rent, Transport, Shopping, Bills, and more
• Visual summaries: View clear weekly and monthly spending charts
• Spending breakdown: Understand exactly where your money goes each month
• Recurring expenses: Automate fixed bills and subscriptions so you never re-enter them
• Overspending alerts: Get notified when your spending approaches category limits

SMART BUDGETING & PLANNING
Build flexible budgets tailored to the way you actually live and spend.
• Set up weekly, monthly, or category-specific budgets
• Create custom budget templates for consistent financial routines
• Allocate your monthly salary across essential needs, wants, and savings
• Monitor live budget progress bars to see spent amounts versus remaining cash
• Identify unplanned or hidden expenses before they affect your savings

LOAN & DEBT TRACKER (BORROW & LEND)
Keep accurate records of money shared between friends, family, or colleagues.
• Track money you have lent to others or borrowed from someone else
• Record partial repayments, installments, and final settlements
• Monitor outstanding balances at a glance
• Keep a complete history of all loans and repayments

VOICE EXPENSE LOGGING
Adding a transaction is as fast as speaking.
• Speak naturally on the go (e.g., "Spent 15 on coffee" or "50 for groceries")
• Voice input instantly parses the amount and category
• Multi-language voice recognition makes expense logging effortless while commuting or shopping

INCOME & CASH FLOW
Keep your earnings organized alongside your expenses for a true picture of your cash flow.
• Log salaries, freelance earnings, rental income, and side hustles
• Schedule recurring income entries
• View your net available balance updated in real time based on your cash flow

100% PRIVATE & OFFLINE
Your financial records belong to you alone.
• Works completely offline: No internet connection required
• No account required: No sign-up, no passwords, no email collection
• On-device security: All data remains stored locally on your device—never uploaded to an external server
• Light & dark themes: Clean, modern interface designed for comfort day and night

GLOBAL MULTI-LANGUAGE SUPPORT
Monia supports localized date, number, and currency formats across six major languages:
• English
• Spanish (Español)
• Arabic (العربية)
• Bengali (বাংলা)
• Hindi (हिन्दी)
• Chinese (中文)

WHO IS MONIA FOR?
• Anyone looking for a clean, privacy-focused daily money manager
• Students managing limited allowances or semester budgets
• Families keeping track of shared household expenses and monthly utility bills
• Freelancers balancing variable income and project expenses
• People who frequently lend or borrow money and need clear debt records

Take charge of your financial habits today. Download Monia: Budget & Money Tracker to track your spending, stick to your budget, and build peace of mind.