Stop guessing
where it went.
Money Manager tracks every account in one place and gives you a copilot that can actually answer questions about your money — because it reads your numbers, not the internet's.
Trusted by people tracking their money in 135+ currencies
Private by construction
End-to-end encrypted
Sync carries ciphertext only.
No bank logins
You enter balances. Nothing to connect.
Works offline
Your device is the source of truth.
Your data is yours
Never sold, never brokered.
The problem is rarely discipline.
Money leaves from everywhere
A card here, an e-wallet there, cash in between. No single place shows the whole picture, so you are estimating.
Spreadsheets ask too much
They work for about a week. Then one broken formula on a small screen ends the habit for good.
Saving comes last
Whatever is left over is meant to be savings. There is never anything left over.
What is usually missing is a system light enough to keep up with — and something that can explain the result back to you. That is what this is.
Set up in five minutes
Three things, once.
Add your accounts
Bank, e-wallet, cash, credit card. Just the opening balance — no logins, no bank connection, nothing to hand over.
Set your cycle and limits
Tell it the day you get paid and roughly what each category should cost. The copilot can split your income into a starting set for you.
Note what you spend
A few taps a day. By the end of the cycle you can see the pattern — and ask the copilot what to do about it.
Everything you need, nothing you don't.
Ask, and get an answer from your own numbers
Not generic advice — your balances, your debts, your spending. Ask what you can afford or where to start, and it answers with the figures behind it. Ask it to set a budget up and it shows exactly what will change before anything is saved.
Log it in seconds, see it immediately
Add what you spent and your balance answers straight away. Accounts, cards and cash all sit in one place, so the number at the top is the number you actually have.
Limits that follow your payday, not the calendar
Set a cycle that starts when you get paid. Each budget shows where today sits inside it, so you know whether you are early or already behind — while there is still time to act.
The month, explained
Where the money went, how this month compares to the last, and which categories moved. Charts you can read at a glance rather than study.
Accounts, assets and debts in one total
Track what you own and what you owe together, and watch the line that matters move over time.
And the parts that make it yours.
A copilot that knows your numbers
Ask about your own money in plain language. It answers from your figures, and can set up budgets or plan a trip when you ask.
Separate books, one app
Keep personal and business apart — each space has its own accounts, budgets and history. Switch between them in a tap.
End-to-end encrypted sync
Your data moves between your devices encrypted. We hold the ciphertext and nothing else.
Shared spaces for households
Invite someone into a space and keep one set of books together, with roles that decide who can edit.
Save toward something specific
Set a target, put money aside, and take it back out when you need it — the goal tracks both directions honestly.
Works with no signal
Everything lives on your device first. Sync is something you turn on, never something you depend on.
Know where it went.
Free to start, works offline, and yours to keep. Add your accounts and see the first honest picture in a few minutes.