Moneto: Expense & Budget

Spending, Debt & Savings Goal

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

New: snap a receipt onto any transaction, upload your own account icons, and build budgets from your income in seconds. Moneto — the 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 ads shoved down your throat. 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 an editorial-clean dashboard that shows income, expenses, wallets, debt, and investments in one place. Built for daily expense tracking that actually sticks. WHY MONETO • Everything on-device — your data never leaves your phone • No account, no email, no ads-driven tracking • Multi-wallet, multi-currency, multi-language (10 languages) • Designed around a real monthly cutoff, not the calendar first • Backup & restore whenever you want EXPENSE & INCOME TRACKING Log transactions in seconds. Categories, subcategories, labels, notes. Wallet-to-wallet transfers. Recurring transactions for rent, subscriptions, salary. Smart search and filter by date, category, or wallet. 40+ currencies with automatic exchange rates. BUDGET PLANNER Daily, weekly, biweekly, monthly, or yearly budgets. Real-time progress bars with overbudget alerts. Category roll-ups so groceries and dining out don't slip through the cracks. Period-aware — set your own monthly cutoff (15th, 25th, custom). SAVINGS GOALS Set a target, pick a wallet, watch the needle move. Visual milestones keep momentum honest. Auto-links savings transactions to your goal so you never double-count. FINANCIAL PLANNER Map out next month before it arrives. Plan income vs expenses, set a target saving rate, and compare planned vs actual. Great for couples, freelancers, and anyone whose income isn't flat. DEBT TRACKER Owed and lent, in one ledger. Record payments, watch remaining balance drop, and link every payment back to a real transaction — no double entry. ASSET & NET WORTH TRACKER Investments, property, vehicles, crypto, valuables. Log value changes over time and watch your net worth chart grow across all wallets and assets. EVENT TRACKING Trips, vacations, weddings, holidays. Group transactions by event and see the real total — in your home currency even when you spent in euros and yen. REPORTS & INSIGHTS Cashflow charts, category breakdowns, calendar heatmap, monthly reports, spending streaks, savings-rate trends. Export beautifully formatted PDFs. Daily, weekly, and yearly views. MULTI-WALLET & MULTI-CURRENCY Checking, savings, cash, e-wallets, credit cards, investment accounts. Each wallet has its own currency. See unified balance in your main currency with live FX rates. MORE • Light + dark mode with editorial Instrument Serif typography • Custom theme color • Calendar view of every transaction day • Custom monthly cutoff day • Passcode lock • Recurring transaction reminders • 10 languages: English, Spanish, German, Arabic, Hindi, Indonesian, Japanese, Malay, Burmese, Turkish • Backup & restore to file Moneto, Budget Planner, Expense Tracker, Debt Tracker, Savings Goals, Net Worth Tracker — Moneto covers your entire personal finance picture without the bloat. Your finances. Your device. Your rules. Download Moneto today and take real control of your money.

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What's new in 1.11.0: • Set an account's balance below zero, for overdrafts • See transfers in and out on each account • Search entries by asset, debt or savings goal • Performance and stability improvements

The developer, Gunawan Santoso, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Seller
    Gunawan Santoso
    Size
    67.8 MB
    Category
    Finance
    Compatibility
    Requires iOS 15.0 or later.
    • iPhone
      Requires iOS 15.0 or later.
    • iPad
      Requires iPadOS 15.0 or later.
    • iPod touch
      Requires iOS 15.0 or later.
    • Mac
      Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    English
    Age Rating
    4+
    In-App Purchases
    Yes
    Copyright
    © 2026 Micro App Digital