Moniko

Moniko

A personal expense manager for Android. Private, offline, and free to use without an account. Published by Kynfo for users in India.

Moniko records income, expenses, and transfers on the device. Internet is required only if you choose to back up files to Google Drive. It is not a bank, payments service, or digital wallet.

Get the app

  • Free
  • Android 8.0 and later
  • Version 1.5.2

Download APK

In Chrome, open the downloaded file, allow installs from Chrome if asked, then Install. Later versions are listed on GitHub Releases.

SHA-256 0AA5CC490EEC67F147B231AB0396FA721CB05D8645AA892A5942A9524E8127CC · checksum file

What's new

1.5.2

  • Add an EMI schedule to a loan
  • See scheduled loans on Installments
  • Record payment fills the next installment

1.5.1

  • Spend more than an External fund holds — the shortfall appears in your personal expenses
  • When the fund pays you back, it shows as personal income
  • Write off unpaid fund shortfalls without moving cash

1.5.0

  • Track purchase EMIs with installment plans
  • Record EMI payments as normal expenses
  • CSV and backups include installments

1.4.2

  • Local and Drive tabs on Manage backups
  • Clearer backup and Drive controls in Settings
  • Bug fixes

1.4.1

  • Optional consumption tracking stays collapsed until you need it

1.4.0

  • Track external funds for a group or cause
  • Keep fund money off personal Home, Search, and Reports
  • Export External funds CSV
  • Backups include external funds

1.3.0

  • Consumption trends from quantities on expenses
  • Backups include consumption
  • Record loan payments on the Add transaction screen

1.2.0

  • Track loans: money you lent or borrowed, with payments
  • CSV and backups include loans
  • Trashing an account or category keeps its transactions

1.1.3

  • Open a vehicle's refuel history
  • Choose which transactions count in a category total
  • Bug fixes

1.1.2

  • Swipe between Expense and Income on Reports
  • Select all categories from the reports total
  • Report filters clear when you leave Reports
  • Bug fixes

1.1.1

  • Fuel Tracking guide

1.1.0

  • Track fuel by vehicle, with quantity, odometer, and fill type
  • Mileage reports with cost per kilometre
  • CSV and backups include mileage

1.0.5

  • Bug fixes

1.0.4

  • Categories sort A–Z
  • Bug fixes

1.0.3

  • In-app updates from GitHub: install or snooze
  • Reports category total ignores unchecked slices
  • Bug fixes

1.0.2

  • Larger, easier-to-tap calculator keys
  • Taller expense / income / transfer switch
  • Bug fixes

1.0.1

  • Calculator keypad for amounts
  • Categories filtered by income vs expense
  • Faster amount-first add/edit form

1.0.0

First public APK.

Privacy policy

Home

Net worth, per-account balances, and recent transactions. Filter the view by this month, last month, 3 months, 6 months, 1 year, all time, or a custom date range. Add a transaction from the button on the home screen.

Transactions

Record expenses, income, and transfers. Each entry can include amount, type, category, account, date, and an optional note. Transfers move money between accounts. Existing entries can be edited.

Accounts

Cash, bank, credit, wallet, and other account types, each with an opening balance and a running balance. Mark one account as default so it is selected when you add a transaction. A Cash account is created on first launch.

Categories

A starter set is included: Food, Transport, Housing, Shopping, Health, Entertainment, Bills, Other, Salary, and Gifts. Add or edit categories, assign a colour, and create a category while recording a transaction.

Archive

Archive an account or category to hide it from new-transaction lists. Archived items remain in balances and reports.

Search

Find transactions by note, amount range, date range, type, accounts, and categories. Filters apply together. Trashed items are excluded unless you choose to include them.

Reports

Income, expense, and net totals for this month, last month, this year, or a custom range. Breakdowns by category and by account, with charts. Transfers are not counted as income or expense. Trashed items are excluded; archived accounts and categories still appear.

Trash

Deletes from the main screens move to Trash. Restore or permanently delete individual items, or empty Trash. Permanent deletion happens only in Trash and always asks for confirmation. Trashing an account or category that still has transactions asks you to move those transactions as well.

App lock

Optional PIN lock, off by default. Biometrics can be enabled in addition to a PIN. The app locks on launch and after a short time in the background. Changing or disabling lock requires the current PIN.

Daily reminder

Optional notification at a time you choose, to record the day’s transactions.

Appearance

System, light, or dark theme. On Android 12 and later, colours can follow the device wallpaper.

Local backup

Dated JSON snapshots on the device. Automatic daily backup at a time you set, plus backup on demand. Copies older than seven days are removed. Restore replaces all data after a confirmation that shows record counts. Export or share a snapshot through the system file picker.

CSV

Export active transactions. Import from a spreadsheet with column mapping, a preview of valid and error rows, and an option to create missing accounts or categories.

Google Drive

Optional. The same JSON backups (not encrypted) can upload to a folder you can see, Moniko/backups/, on your Drive. Files older than seven days are removed. If you are offline, uploads wait and complete later when you are online and the app is unlocked. Restore from a Drive snapshot. Signing out stops uploads and does not delete files already on Drive. Google is never required for daily use.

Offline and private

No advertisements and no analytics. No account is required. The app works without the internet. The only feature that uses the network is optional Drive backup after you sign in.