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Nothing to leak
No credentials, no account, no server holding your finances. Moniply cannot lose data it never receives.
Now live on Google Play
Budget without linking your bank.
Moniply is an AI finance coach for Android that never asks for your banking login. No account, no sign-up — everything you enter stays on your phone.
🔒 No bank login, ever
📵 Works offline
🇬🇧 EN · DE · FR · ES
Why people choose Moniply
Most budgeting apps want your bank password.
A lot of sensible people will not hand that over — and they shouldn't have to. Moniply works entirely from what you enter, so there is nothing to breach and nobody to trust.
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A coach, not a spreadsheet
It reads your own numbers and tells you what changed, what is drifting, and what to do about it this week.
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Keeps the proof
Attach a receipt photo to any purchase, then export a claim PDF with the images printed alongside.
Inside the app
Built to be understood in one glance
Real screens from the current release — nothing staged.
Your whole picture
Net worth, what came in, what went out, and how much of the month is left.
Budgets that carry over
Unspent money can roll into next month, so a quiet month is rewarded.
Receipts attached
Photograph it now, find it years later. Split one purchase across categories too.
The AI coach
A health score, plain-English insights, and a weekly plan drawn from your own data.
Reports & forecast
Search every transaction, and see where the month is heading before it gets there.
Habits that stick
Streaks, daily quests and twelve money challenges, because budgeting fails when it is boring.
Everything included
One app, the whole money picture
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Bills & remindersTold before it is due, not after.🏦
Accounts & transfersEvery balance with a running statement.🎯
GoalsEmergency fund, holiday, deposit.🔁
RecurringSalary and subscriptions post themselves.💳
Debt payoffAvalanche or snowball, with a free date.🗂️
Sinking fundsFor the once-a-year bills.🔮
Cash-flow forecastWarned before you run dry.📥
Auto-captureReads bank alerts on your phone.💼
Freelance modeProfit by quarter, ready for the accountant.📈
InvestmentsShares, crypto, gold and property.☁️
Your own Drive backupDaily, private, never ours.♿
Large text & dark modeReadable however you use your phone.Your money data never leaves your phone
Moniply has no accounts and no servers. There is no database of your finances sitting anywhere, because we never receive it in the first place.
No sign-upOpen the app, enter your name, start. That is the whole setup.
Optional Drive backupIf you want protection from a lost phone, connect your own Google Drive. The file is yours; we cannot read it.
Receipts stay localPhotos are stored in the app's private folder on your device and are never uploaded.
Pricing
Free to use. Premium if you want the deep tools.
Free
$0
- Transactions, budgets and bills
- Accounts, transfers and goals
- Receipt photos and splits
- AI coach basics and challenges
- Four languages, dark mode, widget
Premium
$4.99 / month · or $49 a year
- Cash-flow forecast and searchable reports
- Auto-capture from bank notifications
- Debt payoff coach and investments
- Sinking funds, backup and CSV export
- Expense claim PDFs with receipts
- No ads
Questions
Straight answers
Does Moniply need my bank login?
No. Moniply never asks for banking credentials and does not connect to your bank. You enter what you spend, or let the app read your bank's payment notifications on your own phone and turn them into transactions you confirm.
Where is my data stored?
On your device. Moniply operates no servers, so there is no database of your finances anywhere. You can optionally connect your own Google Drive for a daily backup that lives in your account, not ours.
Is it really free?
Yes. Budgets, bills, accounts, goals, receipt photos and transaction tracking cost nothing. Premium is $4.99 a month or $49 a year with a 7-day free trial, and adds the advanced tools listed above.
Can it import my transactions automatically?
Not from a bank account, because there is no bank connection — that is the trade you make for privacy. It can read your bank's payment notifications on your phone, and it can import a CSV export from your bank, YNAB, Mint or another app with a guided column-matching screen.
Is there an iPhone version?
Not yet. Moniply is Android only today. Use the form below and we will tell you if that changes.
What if I lose my phone?
Turn on Google Drive backup and your data restores on a new phone by signing in with the same Google account. Without it, a lost phone means lost history — so it is worth the thirty seconds.
Start tonight, in about two minutes
No account to create, nothing to connect. Enter your name and your first expense, and Moniply does the rest.
Stay in the loop
Want the iOS version, or have a feature request?
Tell us what would make Moniply more useful. Every message is read, and it genuinely shapes what gets built next.