MoneyOS
MoneyOS app icon No account · No servers · Free

Your money data never leaves your iPhone.

A private money tracker that lives on your iPhone. Say it, type it, screenshot it, or import a statement. Nothing is ever sent to us.

Available for iPhone and iPad Scroll

Log it any way you like

  1. Say it.

    Speak “chai 200, petrol 1200, uber 340” once and get three entries. Understood on your iPhone. Your voice never goes to a server.

  2. Type it.

    One line, like a text message, is split into separate entries. Several at once open a review list you can edit before saving.

  3. Screenshot it.

    Pick up to 10 screenshots of your payment history from Google Pay, PhonePe, Paytm or your bank app. Every row becomes a transaction, and likely repeats are flagged.

  4. Import or paste it.

    CSV and PDF bank statements, including password-protected PDFs. Or paste a bank SMS, or share a bank email from Mail. Nothing saves without your OK.

0accounts, logins or bank credentials
0screenshots read in one go
₹0no subscription, no ads, no in-app purchases

Every day of your month

Green days under pace. Red days over.

A heat map of the month, against your daily limit. Tap any day to see what happened. Spent today, spent this month, and what’s safe to spend per day, always one glance away.

Oct 1 · ₹480.00

And the rest of the picture

Limits that nudge in time.

Monthly, daily, per category or per card. A notification at 80%, and again the moment you pass 100%.

Nearing a limitYou’ve used 82% of your monthly budget: ₹32,800.00 of ₹40,000.00.
now

Ask your money anything.

Apple Intelligence answers on your iPhone. Your ledger does the maths, so every number is real, and nothing leaves the phone.

Where did my money go this month?

You’ve spent ₹11,709 so far in October. Shopping (₹2,490) and fuel (₹2,200) are the biggest pieces, about 40% of it. You still have ₹28,291 left of your ₹40,000 monthly limit.

Your budget on the Lock Screen.

A Live Activity and the Dynamic Island show how much of this month’s budget you’ve used, in %.

Spent in October₹11,709.0029% of ₹40,000.00
29%
29%

The whole picture.

Income and salary, loans and EMIs with payoff tracking, SIPs, subscriptions, net worth, goals and a FIRE calculator.

72
Money ScoreHealthy
Goa trip₹21,500 of ₹60,000

Any currency, built for India.

Pick from 39 currencies and every total, chart and widget follows. UPI payment modes, EMIs and SIPs are built in.

₹1,20,000.00$1,200.00€1,200.00£1,200.00AED 1,200.00¥120,000

Personal, Family, Business.

Separate ledgers, Home and Lock Screen widgets, and Siri shortcuts, all on the same private device.

PersonalFamilyBusiness
This month₹11,709.00Today ₹320.00Money Score 72/100

Why offline matters

Money apps usually want a login, then your bank credentials, then a subscription. MoneyOS wants none of those. Everything is stored on this iPhone. iCloud sync is optional, off by default, and goes through your own private iCloud, which we cannot see.

Data Not Collected

That’s the app’s App Privacy label. The app has no analytics, no crash reporting, no ad SDK and no tracking.

Face ID lock

Lock the app behind Face ID, so a borrowed phone doesn’t mean a borrowed ledger.

Backups that outlive the app

Encrypted daily backups, copied to a folder you pick in Files or iCloud Drive.

Your data, out any time

Export everything to CSV or JSON whenever you want it.

A money app should be a private notebook, not a data pipeline.

MoneyOS is free. The whole app, no subscription.

Available for iPhone and iPad

Questions? Write to the person who built it.