# Monerva: Spend Wisely — Track spending. Build wealth. > Track spending. Build wealth. (iPhone/iPad app by Christian Bueno.) - Source: https://appshunter.io/ios/app/monerva-spend-wisely/id6762997733 (this page in markdown: same URL + `.md`) - Developer: [Christian Bueno](https://appshunter.io/developer/1650324531) - Category: Finance - Price: $0.99 - Age rating: 4+ - Requires: iOS 13.0 · 39 MB - Languages: American English - Released: 2026-05-07 - Data updated: 2026-09-09 - User reviews in markdown: https://appshunter.io/ios/app/monerva-spend-wisely/id6762997733/reviews.md ## What is Monerva? Take control of your money with Monerva — the offline-first personal finance app built for real budgets, real wallets, and real spending habits. No accounts. No cloud. Your data lives on your device. --- TRACK EVERY TRANSACTION --- Log income and expenses in seconds. Organize by category and see exactly where your money goes. Use the built-in receipt scanner to auto-fill the amount, date, and merchant from a photo. --- MULTI-WALLET SYSTEM --- Create wallets for cash, bank accounts, or any fund. Transfer money between them with optional fees. Every transaction links to a wallet so balances stay accurate automatically. --- CREDIT CARD TRACKING --- Add credit cards, charge expenses to them, and record payments. Track your outstanding balance and credit utilization in real time. --- BUDGET BY CATEGORY --- Set monthly spending limits per category. See which categories are on track, approaching the limit, or over budget. Month Projection tells you if you'll finish the month under budget. --- SAVINGS GOALS --- Define goals with a target amount and deadline. Track progress with color-coded bars. Contribute any amount at any time and watch your goal fill up. --- DEBT & LOAN TRACKER --- Track money you owe and money owed to you. Log partial payments, view full payment history, and set date reminders so due dates never sneak up on you. --- ANALYTICS & INSIGHTS --- Spending over time, category breakdowns, income vs. expenses, average daily spend, and intelligent insights — all powered by your own data, no server required. --- PRIVACY FIRST --- Monerva never connects to the internet. All data is encrypted on-device. Enable Privacy Mode to blur all amounts with one tap. --- MORE FEATURES --- - Receipt scanner with on-device OCR - Emergency fund calculator - Recurring expenses - PDF export for transactions and debts - Data backup and restore - Custom categories and income sources - 40+ currencies - Dark mode - iPad support Download Monerva and start building better money habits today. ## Version history (last 5 releases) ### 3.14.0+110 — 2026-06-29 **QR Codes — your payment QRs, always on hand** Store your bank and e-wallet "scan to pay me" QR codes right inside Monerva, in a new QR Codes vault under Manage & Plan. Add as many as you like, name each one (GCash, BPI, Maya…), and keep more than one image per entry. When someone needs to pay you, open it full-screen and tap to zoom so it scans easily, or save it to your gallery. Your QR codes are included in your backup. No more hunting through your camera roll or reopening your bank app. **Quick Calc — a calculator inside the amount field** Need to do math while entering an amount? Tap the calculator icon to open a familiar iPhone-style keypad — split a shared bill by any number of people, add a tip, add tax/VAT, or take a percentage discount, then drop the result straight into the field. There's also a standalone calculator in Settings & More for quick math anytime. **Calendar View for Transactions** Browse your log as a month calendar, not just a list. Each day's circle is tinted by its net — green when you came out ahead, red when you spent more than you earned — so patterns jump out. Tap any day to see that day's transactions with income, expense, and net totals. A toggle in the Logs screen flips between calendar and list, and your choice is remembered. **Overall Monthly Budget** Set a single spending cap for the whole month — the budgeting model most people actually use — right alongside your existing per-category budgets. The new Overall Budget card shows how much you've spent across every category, what's left, and a clear "over budget" warning, on both the Budget tab and your dashboard. **Income Trend Chart** A new chart shows your income over time, with Daily (last 2 weeks), Weekly (last 8 weeks), and Monthly (last 6 months) views. Find it in Analytics and as a compact card on your dashboard. **Transaction Detail View** Tapping a transaction — in the list or the calendar — now opens a read-only detail view instead of jumping straight into the edit form. See the full record at a glance: amount, category, the date and time it was logged, the wallet or card used, your note, and any receipt photos — with Edit and Delete buttons right there. It's a safer "just look at it" view, so a stray tap can no longer change a saved entry. **Add an Expense Straight From a Credit Card** Open any credit card's detail screen and tap Add Expense to log a purchase with that card already selected — no more opening the global add screen and hunting for the right card. Record Payment now sits right beside it. And on the Credit Card and Wallet detail screens, tapping any transaction opens the same read-only detail view as your main log. **Filter Spending by Category** The Spending by Category chart in Analytics now has a checkbox on every legend row. Uncheck a category to drop it from the pie and the center total, so you can focus on just the categories you care about — the percentages recalculate against what's left. **Tidier Logs & Debts** Secondary actions on the Logs and Debts screens are tucked into a single "⋯" menu, so Search and privacy stay one tap away while Calendar, Forecast, Export, and Group-by-contact live neatly out of the way. **Customizable Dashboard, Now With More** The Overall Budget and Income Trend cards are both dashboard widgets you can reorder or hide like any other, in a refreshed Customize Dashboard sheet with clearer toggles. **Fixes & Polish** - Fixed an issue where confirming "Exit App" on Android could leave a black screen instead of closing the app. - Transactions now keep the time of day they were logged, shown in the new detail view. - Editing an existing transaction no longer pops the keyboard open on the amount field automatically. - The sort-by-category toggle now also works in the calendar's day view. - Cleaner budget cards and various UI refinements. 100% offline. No account. No ads. No data collection. ### 3.5.0+99 — 2026-06-05 Monerva is a personal finance tracker built for people who want full control over their money — without cloud accounts, subscriptions, or privacy trade-offs. Everything runs on your device. **What's New:** **Multiple Accounts (up to 5)** Keep separate finances truly separate. Create up to 5 independent ledgers — Personal, Business, Family, a side hustle — each with its own transactions, wallets, credit cards, debts, budgets, recurring rules, and savings goals. Switch from the dashboard in a tap; only app-level preferences (theme, currency, app lock) are shared. Your existing data moves automatically into a default "Personal" account on upgrade — nothing is lost. Backups are per-account, and you can restore a backup into the active account or as a brand-new one. **Reset Account** Start a ledger over without deleting it. A multi-step, type-to-confirm flow (impact summary → type the account name → confirm) wipes all data in an account while keeping its name, icon, and color. **Home-Screen Quick Actions Widget** Add a Monerva widget to your home screen for one-tap access to Add Expense, Add Income, Transfer, and Wallets — straight into the right screen, even from a cold start. Theme-adaptive for light and dark. **Debt Interest** Attach an interest rate to any debt (simple or compounding, annual or monthly). Monerva shows accrued interest and the true total owed, not just the principal — with a live worked example as you type. **Debt Summary by Contact** See every debt grouped by person. Each contact shows your net position at a glance, and tapping one opens a plain-language settlement view ("Sarah owes you $1,200" / "You owe Mike $300") with all their debts in one place. **Segmented Payment Progress** Installment debts now show a clear segmented progress bar — "3 of 12 payments" reads instantly instead of a vague loading-style bar. **Analytics Category Drilldown** Tap any category in Spending by Category to see exactly which transactions made up that total. **Redesigned Navigation Bar** A new liquid-glass floating navigation bar with a gliding selection pill, saturated frost, and a floating add button — plus smoother fade-up transitions between tabs. **Stronger Security** All local data is now encrypted at rest with AES-256, with the key stored in the device keychain/keystore. **More Improvements** - Debt contact field clarified: "Who you owe" vs "Who owes you" - Per-account notifications — taps switch to the right ledger first - Numerous performance and UI polish fixes across the app 100% offline. No account. No ads. No data collection. ### 2.15.1+81 — 2026-05-22 Monerva is a personal finance tracker built for people who want full control over their money — without cloud accounts, subscriptions, or privacy trade-offs. Everything runs on your device. **What's New:** **Receipt & Document Photos** Attach photos directly to any expense or income entry. Snap a receipt with your camera or pick from your gallery — up to 3 photos per transaction. Photos appear as a thumbnail grid in the form and as a small preview on the transaction tile. Tap any photo to open a full-screen viewer with pinch-to-zoom. Save photos to your device gallery with one tap. When you take a photo, Monerva reads the date from the image's EXIF metadata and shows it alongside the photo so you know exactly when it was captured. Photos travel with your backup as embedded data and are cleaned up automatically when you delete a transaction. **Credit Card Detail: Tabs + Floating Record Payment** The Credit Card detail screen is now organized into three tabs: All (purchases and payments merged), Purchases, and Payments. Purchases are grouped by billing statement period with statement date dividers, so you can see exactly which charges fall in each cycle. The old "Record Payment" text button at the bottom is replaced by a floating green action button — always visible, no scrolling required. **Bug Fixes & Improvements** - Screenshots and the app switcher thumbnail now work normally (FLAG_SECURE removed) - Transaction note field expands up to 5 lines instead of cutting off at one 100% offline. No account. No ads. No data collection. ### 2.13.0+78 — 2026-05-13 **What's New:** **App Lock with PIN & Biometrics** Protect your financial data with a 4-digit PIN and optional Face ID or fingerprint unlock. Set a grace period so you're not locked out every time you switch apps. Set up a recovery question as a safety net if you forget your PIN — answer it to reset your PIN without losing your data. App Lock lives in its own dedicated settings screen with clear sections for status, authentication, recovery, and grace period. Tactile haptic feedback on every keypad tap. **Recurring Bill Notifications** Monerva now sends a notification every time a recurring expense or income entry generates automatically. Know exactly when your subscriptions, salary, or regular payments hit your ledger — even without opening the app. If 4 or more entries generate at once, they bundle into a single summary notification. Toggle this off anytime in Settings → Recurring Expenses. Privacy mode keeps amounts hidden in notification text. **Recurring Income** Set up automatic income entries — salary, freelance payments, side hustles. Assign them to a wallet so your balance updates automatically when entries generate. Recurring expenses and income can now both be linked to a specific wallet or credit card. **Forecasted Transactions** Add future-dated transactions to plan ahead. They appear in your transaction list with a forecast badge but won't affect your current balance until the date arrives. **Spending Summary** Generate a detailed spending summary for any date range. See your net balance, expense breakdown by category with a tappable pie chart, income breakdown by source, and your top 5 expenses. Tap any category to drill into individual transactions. **Next Month Forecast** Estimate next month's spending based on your recurring expenses (fixed costs) and your average variable spending from the past 3 months. Compare against your budget to plan ahead. **Wallet & Credit Card Form Redesign** Adding or editing a wallet or credit card now shows a live preview at the top of the form. Watch your card update in real time as you change the color, icon, photo, nickname, or limits. Credit cards share one consistent gradient surface across grid, list, form preview, and detail screen. Live utilization hint warns at 80%+ and over limit. **Borrower & Contact Quick-Pick** The borrower field in the debt form now suggests names as you type. Tap your most-used contacts from the list that appears when you focus the field, or type a few letters to filter. Names are saved automatically. Manage your contact list from Settings → Contacts — add icons, reorder, delete. **Record Payment: Wallet & Card Auto-Logging** When you record a debt payment, select which wallet or credit card the money came from. The payment is automatically logged as a transaction in your ledger and your balance updates instantly. Edit or delete the payment later and the linked transaction reconciles automatically. **Debt Overdue Notifications Redesigned** Overdue debt notifications now fire once on the actual due date at 9:00 AM instead of repeating daily. Friendlier copy with the counterparty name when someone owes you. **Charts and Analytics** The Analytics entry in Settings is now Charts and Analytics with a refreshed icon — a clearer label for the charts, trends, and breakdowns inside. **More Improvements** - Transfer Funds shortcut pill on the wallet summary card and each wallet's detail screen - Installment debts: Record Payment pre-fills the amount with your monthly payment value - Statement PDF export for wallets and credit cards — any date range - Sortable Manage & Plan settings grid: long-press to reorder - Grid and list view toggle for wallets and credit cards - Dismissed due-debt dashboard cards now stay dismissed across app restarts - Manage & Plan grid cards larger and easier to tap - Security: all data encrypted with AES-256; screenshots blocked in app switcher 100% offline. No account. No ads. No data collection. ### 2.4.1+57 — 2026-05-07 No release notes. ## Apps similar to Monerva | App | Rating | Price | Category | | --- | --- | --- | --- | | [Subscription Tracker: Sabsi](https://appshunter.io/ios/app/subscription-tracker-sabsi/id6785761583) | — | $2.99 | Finance | | [Ember Finance](https://appshunter.io/ios/app/ember-finance/id6759897966) | — | Free | Finance | | [Savr: Budget & Goals](https://appshunter.io/ios/app/savr-budget-and-goals/id6759642668) | — | Free | Finance | | [billmo](https://appshunter.io/ios/app/billmo/id6780882032) | — | Free | Finance | | [Judit: Bills & Subscriptions](https://appshunter.io/ios/app/judit-bills-and-subscriptions/id6759475228) | — | Free | Finance | | [Jeepi - Auto Tracker](https://appshunter.io/ios/app/jeepi-auto-tracker/id6762830138) | 4.0 (1) | $4.99 | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-09.*