Moniq vs Money Mood

Log an expense in two taps. Moniq is a simple, private budget app: no account, no ads, no tracking. Your data stays on your device. iCloud sync is optional, and you can import or export everything anytime. • Two taps to log spending, on iPhone or Apple Watch • See where your money goes with clear insights and trends • Set your own targets for needs, wants and savings • Track subscriptions and bills, with optional reminders • Unusual spending is flagged for you • Search every transaction by name, category or amount • Widgets for the Home Screen, Lock Screen and Apple Watch • Your currency, your theme Free, with no subscriptions. If Moniq helps you, an optional tip unlocks two supporter themes. From the developer: “I’ve used money trackers for a decade. The good ones keep disappearing, and the new ones are bloated or cost more than they’re worth. So I’m building the one I want to use, for myself and for anyone who wants the same.”

Money Mood is a personal money tracker built around the amount you can use right now and the payday ahead. Start in the way that fits you: - Set your salary and payday for a recurring monthly money cycle. - Start with your current balance and add income when payday arrives. - Optionally confirm recurring income before it changes your balance. Keep everyday money management quick: - Add expenses and income in a few taps. - Check how a purchase affects the rest of the current money cycle before logging it. - Review a visual weekly spending story. - Spot likely upcoming subscriptions from repeated monthly charges. - Protect money for fixed, variable, or mixed recurring bills before Safe/day is calculated. - Add a cushion to variable costs such as electricity and water, then resolve a due bill with its actual amount or let matching transactions reconcile it. - Turn on due-date reminders for Bills Ahead; a resolved monthly bill releases its reserve and returns automatically next month. - Unlock richer insights naturally as you record transactions and return on new days. - Hide any unlocked insight from the dashboard whenever you want. - Optionally track borrowed cash with a repayment date, payday, or month-end schedule. - Keep outstanding borrowed cash reserved from Safe/day until it is marked repaid. - Enter large currency amounts faster with contextual zero shortcuts. - Create up to three wallets, each with its own default logging currency. - Log foreign-currency transactions with latest or manual exchange rates while keeping summaries in the base currency. - Switch the app language between system default, English, Vietnamese, and Burmese. - See your available money and recent activity at a glance. - Keep frequently used Quick Add categories visible and open the full category list only when needed. - Organize transactions with main categories, optional subcategories, and your own custom labels. - Create, edit, reorder, and delete labels from your profile. - Create custom subcategories under each main category. - Search, filter, summarize, paginate, and export transaction history from Activity. - Keep all app data stored locally on your device. No account is required.