Moneto: Money Manager & Budget
By Micro App Digital
About this app
Moneto is a 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 cloud sync, 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 a clean dashboard covering income, expenses, wallets, debt, and investments in one place.
Features
Expense & Income Tracking
- Log transactions in seconds with categories, subcategories, labels, and notes.
- Recurring transactions, wallet-to-wallet transfers, and smart search across 40+ currencies.
Budget Planner
- Daily, weekly, biweekly, monthly, or yearly budgets with real-time progress bars.
- Set your own monthly cutoff day and get overbudget alerts before it's too late.
Savings Goals
- Set a target, pick a wallet, and watch the needle move with visual milestones.
- Auto-links savings transactions to your goal — no double entry.
Financial Planner
- Map out next month before it arrives — plan income vs expenses and set a target saving rate.
- Compare planned vs actual to stay on track, great for freelancers and couples.
Debt & Asset Tracker
- Track money owed and lent in one ledger, with payment history linked to real transactions.
- Log investments, property, vehicles, and crypto — watch your net worth chart grow over time.
Event & Trip Tracking
- Group transactions by event — trips, vacations, holidays — and see the real total.
- Unified event balance in your home currency even when spending in multiple currencies.
Reports & Insights
- Cashflow charts, category breakdowns, calendar heatmap, monthly reports, and export to PDF.
- Daily, weekly, and yearly views with spending streaks and savings-rate trends.
Privacy First
- Everything on-device — your data never leaves your phone. No account, no sign-up required.
- Passcode + Face ID lock, backup & restore to file, and 10 languages supported.