Take complete control of your finances with real-time sync & zero compromises on privacy.
Monetic is an intuitive, privacy-first personal finance and expense tracking mobile app for Android and iOS. Built with multi-device real-time sync (Firebase), private Google Drive backups, hardware-backed encryption, 15 AMOLED themes, and rich visual budgeting.
Built from the ground up for modern financial clarity
Traditional finance apps monetize your transactions or demand invasive bank logins. Monetic keeps your financial life completely yours.
Local-First & Encrypted
Your records reside directly on your physical device. Backed by Android File-Based Encryption (FBE) and iOS Data Protection, completely isolated from outside apps.
49 Currencies & Crypto
Seamlessly manage international accounts in EUR, USD, RON, GBP, CHF, and cryptocurrencies with live conversion rates computed directly in the app.
Visual Interactive Analytics
Rich donut charts, expense breakdown rings, multi-month income vs. expense comparison bars, and portfolio net worth tracking curves.
Real-Time Sync & Free Cloud Backup
Use Monetic on multiple phones and tablets simultaneously with instant Firebase AutoSync. Plus, backup 1:1 directly to your private Google Drive appDataFolder โ free for all users.
Explore Monetic Screen by Screen
Click any screen preview to open it in full-resolution detail. Follow the walkthrough to see how Monetic transforms your daily budgeting routine.
Effortless Dashboard & Lightning Fast Logging
Everything starts on the dashboard. Get an instant glance at your net balance, monthly income, total expenses, and custom categories.
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Interactive Ring Breakdown
Toggle seamlessly between Income and Expenses. The interactive donut ring updates live with exact percentages per category.
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Quick Add with Paper Receipts
Tap the floating "+" button to log an expense in seconds. Select account, category, and attach up to 3 receipt photos (up to 15 MB) for audit-ready proof of purchase.
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Chronological Ledger & Filter
Filter your financial timeline by Day, Week, Month, Year, or custom date period. View net balance changes day by day.
Multi-Account Management & Instant Transfers
Keep your cash, main bank accounts, savings pools, meal vouchers, and investment portfolios strictly separated yet centrally visible.
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Diverse Account Types
Organize checking, physical cash, savings, and investments across multiple foreign currencies (EUR, USD, RON) with cumulative net worth calculation.
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Deep Visual Customization & Favorite Colors
Assign custom photographic logos, emojis, and pick from a 360ยฐ color wheel with saturation, brightness, and quick presets (Pastel, Vibrant, Deep). Save up to 6 custom favorite colors to your personal palette for instant 1-tap reuse across accounts and categories.
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Zero-Distortion Transfers
Move funds between accounts with one tap. Transfers are recorded as internal liquidity shifts without skewing your monthly income or expense totals.
Visual Budgeting, Trend Lines & Net Worth Growth
Transform raw transaction data into actionable financial wisdom. Monetic provides 5 powerful charting perspectives to eliminate spending leaks.
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Dynamic Budget vs. Average Lines
Track your spending against customizable budget targets and historical averages with responsive wave trend graphs.
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Interactive Donut & Pie Slices
Touch any slice on the Donut or Pie charts to drill down into category details, exact sums, and percentages.
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Portfolio Net Worth Evolution
Monitor the long-term upward trajectory of your total accumulated capital across all accounts combined.
Subscriptions, Recurring Bills & Smart Reminders
Stop unwanted subscription auto-renewals from catching you off guard. Manage all fixed recurring expenses in one clean list.
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Scheduled Payments
Track rent, utility invoices, mobile subscriptions, and streaming services with exact monthly billing dates and notification times.
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Daily Logging & Utility Index Alerts
Set gentle local device reminders (e.g. daily at 20:00, or index reading on the 25th) so your records always remain up to date.
15 Handcrafted Themes, 49 Currencies & Full Bilingual Support
Tailor Monetic to your aesthetic preferences and device display. Features 15 tailor-made themes engineered for true AMOLED battery savings and visual elegance.
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15 Complete Handcrafted Themes
Monetic offers 15 distinct themes: Midnight OLED (#000000 true black for AMOLED battery efficiency), Royal Amethyst, Emerald Forest, Sapphire Ocean, Sunset Amber, Rose Gold, Nordic Slate, Mocha Espresso, Crimson Velvet, Sepia Night Shift (zero blue-light eye comfort), Mint Sage Light, Nordic Frost Light, Classic Light, Classic Dark, and System Default.
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49 Currencies with Real-Time Conversions
From USD, EUR, and RON to GBP, JPY, and crypto, instantly check current conversion equivalents.
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Bilingual Precision (EN & RO)
Full 100% string parity between English and Romanian across all screens, dialogs, and notifications.
Real-Time Multi-Device AutoSync & Private Google Drive Backup
Use Monetic seamlessly across multiple phones and tablets. Real-time Firebase AutoSync propagates your transactions instantaneously, while Google Drive provides private 1:1 backups โ completely free for all users.
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Firebase Real-Time AutoSync Across Multiple Devices
Log a transaction on your smartphone and watch it appear instantaneously on your tablet or secondary device in real time. Firebase listeners handle real-time state synchronization seamlessly in the background without manual imports.
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Private 1:1 Google Drive Backups
Backups are saved directly into your personal Google Drive account in the hidden application data folder (
appDataFolder). 100% isolated, confidential, and costs $0 in cloud storage fees. -
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Offline-First Resilience
No internet connection needed to log transactions or track budgets. Everything is stored locally in SQLite Room. The moment your device reconnects to Wi-Fi or cellular data, AutoSync syncs everything effortlessly.
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Hardware-Backed PIN, Biometrics & Right to Erasure
PINs are hashed using PBKDF2-HMAC-SHA256 (100,000 rounds) and protected in Android Keystore / iOS Keychain. Biometric credentials never leave your device's hardware Secure Enclave, with 1-tap permanent data erasure anytime.
Unlock the Ultimate Financial Experience
Enjoy complete financial focus with zero ads, all 15 handcrafted AMOLED themes, unlimited custom accounts & categories, and priority support. Transparent pricing with no hidden fees.
100% Ad-Free Experience
Zero video ads, banners, or tracking interruptions. Pure, uninterrupted focus on your budgeting.
All 15 Handcrafted Themes
Full access to Midnight OLED (#000000 true black), Royal Amethyst, Rose Gold, Emerald Forest, Sapphire Ocean, and more.
Unlimited Accounts & Categories
Create as many checking, cash, savings, and crypto wallets as you need with custom logos and saved favorite color palettes.
Priority Support & Early Access
Get fast-track direct developer assistance and early access to upcoming features and experimental tools.
- โ Full access to all PRO features
- โ Month-to-month flexibility
- โ Cancel anytime in 1 tap
- โ Standard in-app updates
- โ Full access to all PRO features
- โ Save 28% compared to monthly
- โ Early access to new features
- โ Priority developer support
- โ Full access to all current & future PRO features
- โ Pay once, never pay again
- โ Priority developer support
- โ Lifetime VIP supporter status
- โ Support an independent developer
๐ Processed securely through Google Play & Apple App Store. Statutory VAT is calculated and added by Google/Apple at checkout based on country of residence. Subscriptions can be managed or canceled anytime with zero data loss.
How Monetic compares to traditional finance apps
| Feature | Monetic | Typical Banking / Budgeting Apps |
|---|---|---|
| Default Data Storage | โ 100% On-Device (SQLite Room) | โ Mandatory 3rd-party servers |
| Bank Account Credentials | โ Never Requested (Zero Risk) | โ Requires Open Banking screen scraping |
| Commercial Data Monetization | โ Strict Zero Selling Guarantee | โ Often brokered to credit bureaus |
| Security Architecture | โ PBKDF2 (100k iters) & Secure Enclave | โ Varies / Cloud password storage |
| Supported Currencies | โ 49 Fiat & Crypto Currencies | โ Usually restricted to single fiat |
| Multi-Device Real-Time Sync | โ Instant AutoSync (Firebase) across phones & tablets | โ Often delayed batch sync or desktop-only |
| Backup Ownership & Freedom | โ Free for all users โข Personal Google Drive + Firebase Sync | โ Proprietary locked cloud format or paywalled |
Official Disclosures & Legal Governance
Access our statutory data safety documentation, GDPR privacy disclosures, terms of service, and dedicated support channels: