# Moneto: Expense & Budget — Spending, Debt & Savings Goal > Spending, Debt & Savings Goal (iPhone/iPad app by Gunawan Santoso.) - Source: https://appshunter.io/ios/app/moneto-expense-and-budget/id6763198512 (this page in markdown: same URL + `.md`) - Developer: [Gunawan Santoso](https://appshunter.io/developer/1843786072) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 13.0 · 56 MB - Languages: American English - Released: 2026-04-26 - Data updated: 2026-08-26 - User reviews in markdown: https://appshunter.io/ios/app/moneto-expense-and-budget/id6763198512/reviews.md ## What is Moneto? Moneto — the simple, private money manager for personal finance. Track expenses, plan budgets, hit savings goals, and see exactly where your money goes. No sign-up. No ads shoved down your throat. 100% offline by default. Whether you're paying down debt, saving for a trip, or just tired of your balance surprising you, Moneto gives you an editorial-clean dashboard that shows income, expenses, wallets, debt, and investments in one place. Built for daily expense tracking that actually sticks. WHY MONETO • Everything on-device — your data never leaves your phone • No account, no email, no ads-driven tracking • Multi-wallet, multi-currency, multi-language (10 languages) • Designed around a real monthly cutoff, not the calendar first • Backup & restore whenever you want EXPENSE & INCOME TRACKING Log transactions in seconds. Categories, subcategories, labels, notes. Wallet-to-wallet transfers. Recurring transactions for rent, subscriptions, salary. Smart search and filter by date, category, or wallet. 40+ currencies with automatic exchange rates. BUDGET PLANNER Daily, weekly, biweekly, monthly, or yearly budgets. Real-time progress bars with overbudget alerts. Category roll-ups so groceries and dining out don't slip through the cracks. Period-aware — set your own monthly cutoff (15th, 25th, custom). SAVINGS GOALS Set a target, pick a wallet, watch the needle move. Visual milestones keep momentum honest. Auto-links savings transactions to your goal so you never double-count. FINANCIAL PLANNER Map out next month before it arrives. Plan income vs expenses, set a target saving rate, and compare planned vs actual. Great for couples, freelancers, and anyone whose income isn't flat. DEBT TRACKER Owed and lent, in one ledger. Record payments, watch remaining balance drop, and link every payment back to a real transaction — no double entry. ASSET & NET WORTH TRACKER Investments, property, vehicles, crypto, valuables. Log value changes over time and watch your net worth chart grow across all wallets and assets. EVENT TRACKING Trips, vacations, weddings, holidays. Group transactions by event and see the real total — in your home currency even when you spent in euros and yen. REPORTS & INSIGHTS Cashflow charts, category breakdowns, calendar heatmap, monthly reports, spending streaks, savings-rate trends. Export beautifully formatted PDFs. Daily, weekly, and yearly views. MULTI-WALLET & MULTI-CURRENCY Checking, savings, cash, e-wallets, credit cards, investment accounts. Each wallet has its own currency. See unified balance in your main currency with live FX rates. MORE • Light + dark mode with editorial Instrument Serif typography • Custom theme color • Calendar view of every transaction day • Custom monthly cutoff day • Passcode lock • Recurring transaction reminders • 10 languages: English, Spanish, German, Arabic, Hindi, Indonesian, Japanese, Malay, Burmese, Turkish • Backup & restore to file Moneto, Budget Planner, Expense Tracker, Debt Tracker, Savings Goals, Net Worth Tracker — Moneto covers your entire personal finance picture without the bloat. Your finances. Your device. Your rules. Download Moneto today and take real control of your money. ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Premium Upgrade | $12.99 | one-time | ## Version history (last 5 releases) ### 1.3.2 — 2026-08-05 What's new in 1.3.2: - Minor improvements and bug fixes ### 1.3.1 — 2026-07-30 Your labels are back on the Overview. • New "Expenses by Label" card — see spending grouped by your own labels, not just categories • Tap any label to open its transactions • Reorder or hide it like any other card in Overview Plus the fixes and features from 2.12.0 if you're coming from an older version. ### 1.3.0 — 2026-07-29 Receipts, your own account icons, and a calmer look. • Attach a receipt photo to any transaction, from the camera or your gallery • Upload your own image as an account icon — any bank, any wallet • Start budgeting in seconds: enter your income and get a sensible starting set • Turn a transaction into a recurring one right from the add screen • Search your categories instead of scrolling through them • Lend more from a real account, and record admin fees separately • Hide settled debts to keep the list to what's still active • Choose your text size, and see softer number colours throughout • Clearer budget and report cards, with new per-day and biggest-day insights • More complete Spanish and Indonesian translations • Fixes: the Planner add button, clipped budget history, and amount formatting ### 1.2.0 — 2026-07-24 What's new in 1.1.1: - A refreshed, clean black & white look - A clearer view of your income and expenses - Performance and stability improvements ### 1.1.9 — 2026-07-24 What's new in 1.1.1: - A refreshed, clean black & white look - A clearer view of your income and expenses - Performance and stability improvements ## More apps by Gunawan Santoso - [Money Manager: Daily Expenses](https://appshunter.io/ios/app/money-manager-daily-expenses/id6753577383) - [Kraepelin Test: Pauli Focus](https://appshunter.io/ios/app/kraepelin-test-pauli-focus/id6756816118) - [Breathe: Calm & Relax](https://appshunter.io/ios/app/breathe-calm-and-relax/id6757665889) - [DayStack: Todo & Pomodoro](https://appshunter.io/ios/app/daystack-todo-and-pomodoro/id6760934238) - [Fasting Track: Timer & Water](https://appshunter.io/ios/app/fasting-track-timer-and-water/id6761097927) - [TimeTrack: Work & Study Timer](https://appshunter.io/ios/app/timetrack-work-and-study-timer/id6761272437) All apps by Gunawan Santoso: https://appshunter.io/developer/1843786072 --- *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 2026-08-26.*