MoneyBook
English

Know what's safe
to spend today.

MoneyBook turns your accounts, bills and budgets into one clear number, and shows where your money goes. No bank linking, no account, fully offline.

Get it on Google PlaySee how it works →

One-time purchase · Phone, tablet & Wear OS · No bank linking

Every coin tracked.

Every bill expected.

Know what's safe to spend.

Set up once.

How it works

Set up once.
Check in daily.

A two-minute setup is all MoneyBook needs to start forecasting.

  1. 01
    Add your accountsCash, bank and cards with their balances, your currency and when your budget month starts.
  2. 02
    Log in two tapsA calculator keypad, bookmarks for the things you buy often, and quick add from a notification.
  3. 03
    Stay aheadSee what's safe to spend today, upcoming card payments and how each budget is doing.
for every day.

Today

One number
for every day.

MoneyBook works out what's safe to spend today from your balances, recurring bills and card dues, and forecasts the month ahead.

  • Safe to spend today, at a glance
  • 7- and 30-day balance forecast
  • Monthly recap with your biggest changes
under control.

Budgets

Every category,
under control.

Weekly, monthly or yearly budgets per category, with gentle alerts at 80% and 100% and optional carry-over.

  • Budget vs actual for every category
  • Alerts before you overspend
  • Multiple books for home, family or business
Pay it back.

Goals & debts

Save for it.
Pay it back.

Savings goals with a target date and a weekly amount to put aside, plus loans, debts and bill splitting with friends.

  • Savings goals with projected dates
  • Lent and borrowed, with partial repayments
  • Split a bill equally, by amount or by percent
all went.

Insights

Where it
all went.

A clear donut by category, a 12-month cash flow and a calendar heatmap of your spending days.

  • Category breakdown with drill-down
  • Income vs expense trends
  • PDF statements for any month
your rules.

Organize

Your categories,
your rules.

Subcategories, split transactions and tags; rules that categorize for you; reconcile with your bank statement; a To review inbox; subscriptions with price-change alerts.

  • Subcategories, splits and tags
  • Rules and a To review inbox
  • Reconcile and spot subscriptions
travel with cash.

Together and abroad

Share a book,
travel with cash.

Pair with your partner once, then swap changes as an encrypted file and settle up. Abroad, cash pockets show what your money really cost, fees included. At year end, one pack for your accountant.

  • Household book, settle up, no server
  • Cash pockets and a live converter
  • Tax and mileage pack with receipts
before it lands.

Plan around payday

Know what's coming,
before it lands.

Tell MoneyBook how you're paid, even if it's irregular, and safe to spend plans on what you can count on. Split each paycheck in one tap, skip or post bills early, and get a heads-up before an account dips.

  • Income patterns and payday plans
  • Schedules that skip, shift and match
  • Low-balance alerts and a pace chart

And more

The small things,
done right.

Import from other appsCSV, OFX and QIF files from banks and other money apps.
Any currencyMulti-currency accounts with your own exchange rates.
Wear OSSafe to spend on your wrist, and quick add from the watch.
App lockA passcode or your fingerprint keeps your numbers private.
WidgetsThis month and your budgets on the home screen.
Light & darkEasy on the eyes, morning or night.

30-day forecast

See the dip
before it happens.

Payday feels far away, but the tightest day usually comes first. MoneyBook projects your balance day by day and marks the lowest point.

  1. Starts from the balance you have today
  2. Adds income and subtracts bills on the days they land
  3. Highlights the lowest point before payday
Balance forecast
Lowest $-67Payday

Illustrative example.

Pricing

Pay once.
Own it forever.

No subscription, no ads, no bank fees. Buy MoneyBook once on Google Play and every feature is yours.

One-time purchase

Everything included

  • Unlimited accounts, books and budgets
  • Forecast, goals, debts and bill splitting
  • Import, export and PDF statements
  • Wear OS companion
  • Every future update
Get it on Google Play

The price is shown on Google Play in your currency. Google Play's refund policy applies.

No catch.

No subscription, ever✓
No ads or trackers✓
No bank login✓
Works with no internet✓
Free updates✓

Privacy

Your money data
stays on your phone.

No account to create and no bank to connect. Your balances, budgets and transactions are stored only on your device.

No accountOpen the app and start. No sign-up, no password.
No bank linkingMoneyBook never asks for your bank login.
No internet permissionThe app can't send anything anywhere.
Never soldNo ads, no analytics, no trackers.
What leaves your phone
Nothing. MoneyBook has no internet permission. Backups and exports go only to the folder you choose, encrypted if you add a passphrase. Privacy policy →

Questions,
answered.

Does MoneyBook connect to my bank?

No. You add transactions yourself or import a CSV, OFX or QIF file exported from your bank.

Is there a subscription?

No. MoneyBook is a one-time purchase on Google Play, with no in-app purchases and no ads.

Can I import from another money app?

Yes. There are presets for common app exports, and a wizard for any CSV.

How does 'safe to spend' work?

It takes your balances, subtracts the bills and card payments due before your next income, and spreads the rest over the days left.

How do I back up?

Pick a folder once and MoneyBook writes encrypted backups there on a schedule. A cloud-synced folder keeps a copy off the phone.

Which devices are supported?

Android phones and tablets from Android 4.3, and Wear OS watches.