Coin — Personal Money OS

Coin is a personal money app built around one question: how much can I actually spend right now? Not your bank balance — your Safe to Spend number. It's your money minus what's already spoken for: rent, subscriptions, upcoming bills, savings goals. One honest number, with a full breakdown so it never feels like a black box. WHAT YOU GET Safe to Spend See exactly what's yours to spend today — and tap to see exactly why, line by line. Money Timeline Your income and expenses as a living history, not a spreadsheet. Grouped by day, with daily totals that actually make sense. Money Spaces Give your money purpose without opening new bank accounts. Set aside for rent, an emergency fund, or a trip — all virtual, all instant, nothing physically moves. Goals Save toward something real. Every goal shows your pace and an honest completion estimate. Future Money See your projected balance over the next 30, 60, or 90 days, built from your actual recurring bills and income — not vague predictions. Money Health A transparent 0–100 score built from four visible factors: savings rate, emergency reserve, fixed costs, and commitment coverage. No hidden math, no judgment — just clarity. Fast entry Add an expense in about two seconds: type the amount, tap a category. Your most-used categories come first, Coin learns your merchants, and it all works offline. BUILT FOR HOW YOU ACTUALLY LIVE - Multiple accounts and currencies — cash, cards, savings, business - Personal and business money in one place, one tap to switch - Full English and Ukrainian support YOUR DATA STAYS YOURS Coin runs entirely on your device. No account required, no server, no tracking, no ads. Export everything as JSON anytime, or erase it all in one tap. Cloud sync is opt-in and coming later — never required. Coin isn't a spreadsheet and it isn't a budgeting chore. It's the fastest way to actually know where you stand.