A beautiful, privacy-first personal finance app for your desktop. Track every account, budget every category, and understand your financial health — all stored locally.
From a high-level dashboard to a detailed transaction history — everything designed to give you clarity without overwhelming you.
A single 0–100 score based on five factors: savings rate, budget adherence, emergency fund size, debt ratio, and goal progress.
Checking, savings, credit cards, investments, crypto, loans — across 14 account types and 23 currencies. All in one place.
Set a target, a date, and your current balance. Circular progress rings show exactly where you stand and what monthly contribution you need.
Auto-categorise transactions with intelligent rules. Create custom categories and subcategories to match how you actually think about money.
Spending pie charts, category trend lines, cash flow waterfall, and income breakdown — all updated in real time as you add transactions.
Export any date range, account, or category as a formatted PDF or CSV. Ideal for tax time, financial planning, or sharing with an accountant.
Total assets minus total liabilities, tracked over time. See your net worth trend month-by-month and spot exactly where it changed.
Import transactions from any bank's CSV export. The app maps columns automatically and suggests categories based on merchant names.
All data is stored in an encrypted local database on your machine. No bank connections, no cloud sync, no third party ever sees your finances.
"I switched from YNAB after they raised prices again. MonyExplorer is better in every way that matters — faster, cleaner UI, and I'm not handing my salary data to a subscription company."
"The Financial Health Score alone is worth the purchase price. It's the first time I've had a single number that actually tells me how I'm doing — not just my bank balance."
"Finally a finance app that doesn't need my bank login. I export CSV from my bank weekly, import it in 30 seconds, and all my categories are automatically applied. Exactly what I wanted."
14-day free trial, no credit card. One-time purchase unlocks everything.