Clear accounts at home. Your data, only on your device.
MonyMony Local records your income, expenses, transfers and debts in dollars or in the currency of any country. It asks for no sign-up, uses no servers and keeps working without internet.
Android and iPhone: coming soon to Google Play and the App Store.
MonyMony
Personal and family finance tracker
TransactionTransfer
September 2026
S/ PEN$ USD€ EUR
Total balance (PEN)S/ 4,820.50
Income this month+S/ 3,200.00
Expenses this month−S/ 1,146.30
Net flow+S/ 2,053.70
Expenses by category
Food
Housing and Utilities
Transport
Health and other
Recent
Saturday market−S/ 86.40
September salary+S/ 3,200.00
HomeAccountsTrans.DebtsSettings
Saved on this deviceNo copy on anyone's servers.
What you won't find here
No sign-up
No passwords
No servers
No ads
No trackers
Everything is saved on your phone or in your browser. The app sends your accounts and transactions nowhere: there is no cloud behind it, not even ours.
Features
Everything you can do
Made for everyday life: jot things down fast, understand your month and keep track of the expenses you share.
01
Understand your month at a glance
Home summarizes each month by currency: the balance of your active accounts, what came in, what went out and the net flow. Switch months, filter by account and see where the money goes.
Expenses by category in a ring chart.
Income versus expenses for the last six months.
Your recent transactions, always at hand.
Expenses by category September · PEN
Food38 %
Housing and Utilities27 %
Transport18 %
Health10 %
Cleaning7 %
Last six months
IncomeExpenses
02
Record every transaction without friction
Record income, expenses and transfers between your accounts. A transfer counts as neither an expense nor income: it just moves your money from one place to another.
Transfers between currencies at the exchange rate you enter.
The bank fee is saved as a separate expense, in the same step.
Search and filter by type, account or category.
Calendar view: tap a day to see its transactions and total.
Search transactions
AllExpensesIncomeTransfers
Today 3 transactions
Saturday marketFood · Cash−S/ 86.40
September salarySalary / Wages · Savings+S/ 3,200.00
Did you pay for the whole household's groceries? Enter how much you paid and how much is really yours. With one tap you split it at 50% or mark that you paid it all, and the app tells you how much you're owed or how much you owe the shared pot.
Keep your personal spending apart from shared spending.
Home adds up the total you paid out during the period.
Supermarket
Shared expense
Total paidS/ 240.00
My shareS/ 120.00
Shortcuts
Split 50%I paid it all
You're owed: S/ 120.00 as a credit balance.
Family finances September
My personal spending
S/ 812.30
Shared spending / others
S/ 334.00
Total paid out
S/ 1,146.30
04
Your accounts, just as you have them
Cash, bank accounts, cards, savings or investments, each with its own currency, color and icon. The balance is calculated from your transactions, so it always adds up.
Negative opening balance for cards and debts.
Archive an account without losing its history.
Only an account with no transactions can be deleted, so nothing is erased by accident.
CashSoles · PENS/ 320.50
SavingsSoles · PENS/ 5,000.00
Credit cardOpening balance −S/ 350.00−S/ 500.00
DollarsDollar · USD$ 1,200.00
Old accountArchivedS/ 0.00
05
Debts without the tangle
Note what you're owed and what you owe: to whom, how much and by when. Record partial payments and see at a glance how much is left.
“Owed to me” and “I owe” kept apart, with totals by currency.
Partial payments with history; once completed, the debt is settled.
See which ones are overdue.
They don't change your account balances: lending isn't spending.
Owed to meI owe
María LópezOverdue · Sep 15RemainingS/ 300.00of S/ 500.00
Paid S/ 200.00 · 2 payments
Record payment
Carlos (lunch)No due dateRemainingS/ 45.00of S/ 45.00
And more
Categories your way
You start with 14 ready-made categories. Create your own with an icon and color, for expenses, income or both.
Currencies from all over the world
Pick yours from a list with the currencies of every country and a search box. Save your exchange rates so you don't type them every time.
Light or dark theme
Choose light, dark or whichever your system uses.
Works offline
After the first visit, the web app opens and saves without internet.
Backup
A file that is yours. You decide where to keep it.
Since there is no cloud, the backup protects your data and carries it to another device: from the web to Android, from Android to iPhone, or the other way around.
Export
Create a file with your accounts, transactions, categories, currencies and debts. You'll see how big it is and how many records it includes.
Save it
On a computer it downloads. On a phone you pick the destination from the share menu: your files, your email or your cloud.
Restore
When you import it you see a preview compared with your current data. Everything is replaced in a single step: if something fails, nothing changes.
Browserrespaldo.jsonAndroid or iPhone
We remind you. If 30 days go by without a backup, the app lets you know.
Important: your data only exists on your device. If you clear your browser data or uninstall the app without a backup, there is no way to recover it.
Platforms
Use it wherever you are
Available
Web
Open it in the browser on your computer or your phone. From Settings you can install it as an app and use it offline.
It will arrive on Google Play. It doesn't need internet, not even the first time you open it.
Coming soon
iPhone
It will arrive on the App Store, with the same features and the same backup as the web.
Each device keeps its own data and they don't sync on their own. To move data from one to another, use the backup.
Frequently asked questions
What's worth knowing before you start
Do I need to create an account?
No. You open the app and start. There is no sign-up, email or password.
Where is my data stored?
On your device: in the browser's storage if you use the web, or in a local database if you use the Android or iPhone app. MonyMony Local has no servers and sends your data nowhere.
Can I use it on my phone and on my computer?
Yes, but each device keeps its own data and they don't sync. To move your data, export a backup on one and import it on the other. Importing replaces the data on the destination device.
What happens if I clear my browser or change phones?
If you clear the site's data, uninstall the app or lose your phone, your data goes with it. That's why it's a good idea to export a backup often and keep it somewhere safe.
Does it work without internet?
Yes. On the web, after the first visit the app opens offline. The Android and iPhone apps never need internet.
Does it add everything up in a single currency?
No. Each currency has its own totals, so the figures are always exact. When you transfer between currencies, you enter the exchange rate for that operation.
Do debts change the balance of my accounts?
No. Debts are a separate record: lending or repaying money is neither an expense nor income, so your charts and balances are not altered. For now, debts are not linked to your accounts.
Start today. No sign-up.
Open the app, create your first account and record your first transaction.
