Monerva vs Zero

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.

A finance tracker that understands everyday language. Type what you spent, earned or paid, and see your money come together—from daily expenses to your full net worth. LOG IT LIKE YOU’D SAY IT Type “coffee 180 gcash” or “grab 250 yesterday”. Zero picks out the amount, category, account and date, then lets you review the entry before saving. Scan a receipt or choose a photo to fill in the details. For quicker access, start an entry from a widget, Control Center or Shortcuts. ASK YOUR MONEY “How much did I spend on food last month?” Get a clear answer from your own records, with the entries behind it. No digging through transactions or adding things up yourself. ALL YOUR ACCOUNTS, TOGETHER Track cash, banks, e-wallets, credit cards, loans, investments and assets in any currency. Recognizable bank logos and card designs make accounts easy to find, while your net worth brings the bigger picture into view. KNOW WHAT’S AHEAD • Monthly and weekly budgets with carryover and a daily spending allowance • Bills, paydays and recurring entries, with reminders before they’re due • Savings goals with estimated completion dates • Installment plans, repayments and money owed in either direction • A balance forecast to help you plan beyond today SEE WHERE IT WENT Understand your spending with category breakdowns, income, savings and comparisons over time. Share a report as a PDF or export your entries to CSV. MAKE IT YOURS Choose a color theme, pick an app icon and arrange your Home screen around what matters to you. Enjoy Zero in light or dark mode. PRIVATE BY DESIGN • No sign-up, ads or tracking • Works offline, with your records stored on your device • Optional sync through your own iCloud • Face ID or Touch ID protection • Hide your amounts with a tap BUY ONCE. KEEP IT ALL.