Stop Juggling Apps
Reconstruct Your Net Worth Instantly
Your bank knows your balance. Your payment app knows your UPI history. But none of them know your complete financial picture. MyMoney does. One unified double-entry ledger with instant backwards balance calculation, live backup engine, P2P debt graphs, and category budgets. 100% Offline. Zero cloud surveillance.
Deterministic Backward Balance Engine & Live Backup Progress
Instant retroactive balance recalculations from verified balances. Real-time animated progress bar with atomic rollback on exports.
The Problem You Face Daily
Managing personal finances shouldn't require juggling multiple fragmented apps with conflicting numbers.
Financial Fragmentation
Your data is scattered across 5+ disconnected apps — bank apps, payment wallets, manual expense trackers, group bill splitters, and budget sheets. None of them communicate.
No Single Source of Truth
You don't know your true liquid net worth at any given moment. You don't know how much a weekend trip really cost once debts settle. You can't see your complete timeline.
Tedious Data Duplication
Entering an expense in Splitwise, then deducting it from your bank ledger, then manually updating a budget spreadsheet is tedious, frustrating, and prone to mathematical errors.
Everything You Need in One Unified App
Built around a strict double-entry mathematical ledger that keeps accounts, debts, and budgets permanently in sync.
Deterministic Unified Ledger
One system for accounts, expenses, debts, budgets, and groups. In v3.0.0, start and end balances are calculated backwards from verified current balances for instant query speed and zero reconciliation drift.
P2P Debt & Split Engine
Split expenses with friends seamlessly. Automatic calculation of who owes whom with contact avatars, group-level debt graphs, and instant one-tap settlement transactions.
Category-Wise Smart Budgets
Set monthly spending limits for custom categories. Real-time visual progress bars show your exact spending pace and remaining allowance at a glance.
Instant Net Worth Analytics
Interactive asset breakdown, monthly expense flows, debt balance leaderboards, and historical net worth curves calculated directly from on-device SQLite.
AutoPay & Recurring Macros
Automate recurring bills, subscriptions, and SIP investments. Receive smart local device notifications when payments are due, with zero cloud dependency.
Live Progress Backup & Restore
Export full database JSON with real-time animated loading bar, atomic rollback on errors, and proper cancellation handling. 100% offline and encrypted.
How Does MyMoney Compare to the Competition?
See detailed head-to-head comparisons against MyMoney by Raha (Play Store), Splitwise, Cashew, Walnut, and YNAB.
App Gallery & Interface Tour
High-contrast dark theme, deterministic double-entry accounting, and instant SQLite performance captured live from Android.
Fast Transaction Entry & Calculator
Double-entry transaction creation with integrated financial arithmetic keypad, multi-account routing, category tags, split debt assignment, and single-tap macro save.
Daily Ledger & Account Timeline
Chronological daily transaction view accompanied by the real-time Account Summary table showing exact opening, closing, income, expense, and net running balances.
Multi-Account Balances & Growth
Unified multi-account view spanning Bank Accounts, Savings, and Cash Wallets with 30-day transaction volume and net growth percentages.
Multi-Criteria Filtered Ledger
Comprehensive historical record auditor with multi-tag filtering across date windows, accounts, categories, and types with dynamic multi-account balance reconciliation.
Instant Search & Historical Audit
Ultra-fast indexed search across notes, merchant descriptions, dates, and amounts powered by local SQLite indexing.
Active Budgets & Spend Limits
Visual monthly budget envelopes with percentage utilization bars, remaining spend limits, transaction count, and relative comparison vs. previous month.
Budget History & Overspend Tracking
Historical budget performance ledger showing final spent amounts, percentage variance, and exact savings or overspend amounts with color-coded status.
People & P2P Shared Debts
Bilateral debt ledger tracking total owed and receivable balances across contacts with bilateral settlement netting and contact sync.
P2P Debt Distribution & Analytics
Visual breakdown of shared expenses and debts between friends, tracking total given, received, transaction count, and net bilateral positions.
Category Spending Analytics
Granular expense distribution across categories with visual donut chart, expenditure percentages, and custom date-range window scanning.
Recurring AutoPay Macros
Automate recurring utility bills, fiber broadband, SIP mutual funds, and digital subscriptions with instant single-tap macro execution.
Run It On Your Android
Install the latest APK directly. 100% offline, zero trackers, free forever.
Download APKBuilt With Modern Architecture
Powered by high-performance native tools engineered for offline speed and resilience.
React Native
Native Mobile UI
Expo
Modern App Runtime
SQLite3
ACID Local Database
Zustand
Reactive State Store
TypeScript
Strict Type Safety
NativeWind
Tailwind Styling
Ready for Complete Financial Clarity?
Say goodbye to cloud subscriptions, ad banners, and multiple fragmented finance apps. Experience private, unified money management today with MyMoney v3.0.0.