Multiple accounts
Bank, credit card, and investment accounts side by side — with the right balance logic for each.
Private by design
Your money, on your device.
Track expenses, income, investments, and net worth. Set goals, see trends, understand where your money goes — all in one place. A thoughtful, modern personal finance app for iPhone and Android.
Financial data stays on device
No ads, no data selling
GDPR-friendly
Your data, backed up and in sync
No ads, no data selling
Available in 6 languages
Features
Everything you need, nothing you don't
A complete personal finance toolkit — multiple accounts, real-world transaction types, and insights that actually mean something.
Smart transactions
Income, expenses, transfers, and investments — each one moves money the right way between accounts.
Budgets & goals
Set monthly budgets and savings goals. Momo tracks the rest and resets at each period boundary.
Net worth dashboard
Assets minus liabilities, plus a 12-month trend at a glance. See where you actually stand.
Trends & insights
Spending trends, savings rate, top category changes, year-over-year comparisons, and forecasts.
Search & filter
Find any transaction by category, type, date, or amount. Sort and slice however you need.
Essentials & lifestyle
Categories grouped into Essentials and Lifestyle so you instantly see what matters most.
Bill reminders
Local notifications before bills are due — 7, 3, 1, and 0 days out. Nothing leaves your phone.
Budget alerts
Heads up at 80% and 100% of any budget — once per period, never spammy.
CSV export & import
Bring data in or take it out in one click. Standard CSV — works with Excel, Numbers, and any spreadsheet.
PDF reports
Beautiful monthly PDF with chart, account balances, totals, and the full transaction list.
Loans & debt tracking
Amortized loans with extra payments and payoff tracking — and the asset behind the debt counts in Net Worth.
Recurring transactions
Scheduled income and bills post automatically and show up in your Upcoming list.
Multi-currency
30 currencies with ECB-rate conversion and a per-transaction currency when you travel.
Privacy first
No analytics, no trackers, no ads. Your records go to your own account and nowhere else — and you can keep them off the cloud entirely.
Screenshots
Designed for how you actually manage your money
A dark, calm interface that gets out of your way. Built with Compose Multiplatform — native on iOS and Android.
← Swipe to see more →
Plans
Free or Plus — your call
Start free with everything you need to track your money. Upgrade to Plus when you want unlimited tracking, deeper insights, and powerful tools.
Free
€0 forever
Everything you need to start tracking your finances.
- Track expenses, income, investments, and transfers
- Unlimited accounts
- 1 budget
- 1 savings goal
- Net worth dashboard
- Search and filter every transaction
- CSV export & import
- Available in 6 languages
Plus
From €2.99 / month
Unlock unlimited tracking, insights, and tools.
€2.99 monthly
€16.99 yearly
€39.99 lifetime
- Everything in Free
- Unlimited budgets and goals
- Trends & insights with forecasts
- Year-over-year comparisons
- Bill reminders & budget alerts
- Monthly PDF financial reports
- Home screen widget (Android)
- Loans & debt tracking
Subscriptions are managed through the App Store and Google Play. Local currency and prices may vary. No payment details required for the Free tier.
FAQ
Frequently asked questions
Where is my data stored?
Your financial data lives in a database on your device. With cloud sync on, a copy is also kept in your account so it survives a lost phone and reaches your other devices — you can turn that off in Settings at any time.
Do you sell or share my data?
No. We never sell or share your data — and we never will. The app does not use any third-party analytics or tracking. With cloud sync on, your records are stored in your own account so they survive a lost phone; you can turn sync off in Settings at any time. The only other third party is RevenueCat, which verifies Plus subscriptions using limited anonymous data — it never receives your financial data, transaction details, category names, or notes. See our Privacy Policy for the full details.
Is there a free version?
Yes — the core experience is free. An optional Plus subscription unlocks advanced features. Subscriptions are managed through the App Store; we use RevenueCat to verify entitlements without seeing your financial data.
What languages are supported?
English, Italian, Spanish, French, German, and Dutch. The app follows your system language automatically.
Does it work offline?
Almost entirely. You need a connection once, to create your account or sign in — after that the app works offline, because every read and write goes to a database on the device; cloud sync catches up in the background when you are back online. Notifications and bill reminders are scheduled locally too.
Do I need an account?
Yes. Momo requires a free account, created with an email address or with Google or Apple. It exists to sign you in, to carry your Plus subscription between devices, and — while cloud sync is on — to hold the backup of your records. You can turn sync off, and you can delete the account and everything stored with it, at any time.
How do I export my data?
Open Settings → Export & Import in the app. You can export to CSV (for spreadsheets) or to a styled monthly PDF report. Both files are saved or shared from your device only.
Is there an Android version?
Yes. Momo Finances Tracker launches on both iOS (App Store) and Android (Google Play) at the same time, with the same features.
How do I get support?
Visit our Support page or email support@momofinancestracker.com. You can also use Settings → Help & Support directly from inside the app.
Ready to take control of your finances?
Launching soon on the App Store and Google Play. Bookmark this page or check back closer to release.