MoneyGrid: budget and business

MoneyGrid keeps your personal finances and those of each business or project in one place, with real double-entry bookkeeping underneath: every transaction is a balanced entry, so balances, net worth and reports always add up. EVERYTHING ON YOUR PHONE No account, no cloud, no ads. Your transactions, balances and budgets are stored on the device. They only leave it when you decide: when you export a backup, when you turn on entry by voice or receipt photo, or when you share an expense group or an economy, which travel end-to-end encrypted. DAY TO DAY - Payment accounts, cards, assets and liabilities grouped with totals and net worth, also shown in a second currency. Accounts, cards and liabilities with balances in several currencies. - Expenses, income, transfers, buying and selling assets, taking and paying debt (debt can go straight to an expense), balance adjustments and manual journal entries. - One-screen editor: category grid, splits, calculator keypad, date and time, photo and tags. Each category can have a preferred account. - Entry by voice (with tags) or receipt photo: the app drafts the transaction and you review it before saving. Optional and off by default. - Search across descriptions, tags, categories and accounts, plus a tag filter and subtotals of what you filter: expenses, debt and net. - Each account's register with date, cleared and person filters; swipe a transaction to copy or delete it. - One or more people from your contacts per transaction, each with their own amount, and favorites; filter by one to see how much they owe you or you owe them and send them the balance via WhatsApp. The app does not ask for access to your contacts: it only sees the one you pick. PLANNING AND BUDGET - Scheduled transactions with repetition, instalments up to an end date and automatic payment; reminders with Pay, Skip or Postpone. - Today screen with calendar, overdue items and what is due today; Upcoming payments for 30, 60 or 90 days. - Cards with the closing and due date of each statement, statements with Pay, instalments that go to their statement by themselves and a due date reminder. - Budgets by day, week, fortnight, month or year, with rollover and rings per category that open their transactions for the period. - Goals for savings, debt, net worth or results, tracked by themselves from accounts or tags, with a notice when reached. REPORTS - Income and expenses, assets and liabilities, cash flow, projected balance, debt, net worth, period comparison and trends per category. - For businesses: results with fixed and variable costs, break-even point, balance sheet, 12-month view and a consolidated view of all economies. SEVERAL ECONOMIES One personal economy and one per business, each with its base currency and budget period. Contributions and withdrawals between them are recorded on both sides. An economy can be shared by link with another person, for example the household one: it travels end-to-end encrypted and both of you add and see the same entries. SHARED EXPENSES Trip or event groups: who paid, how it is split and who pays whom with the fewest transfers. They can be shared by link, end-to-end encrypted, with no sign-up. CURRENCIES AND LANGUAGES 189 currencies with daily rates from 98 central banks and, in Argentina, the dollar rate of your choice. Interface in 70 languages. IMPORT AND BACKUP Imports another app's backup (accounts, categories, transactions, schedules and budgets) and checks every balance. Own backup, restore and CSV export. SECURITY PIN or biometric lock. Dark and light themes. The download is free. Some features may require a subscription in the future; the app will tell you before any charge. MoneyGrid is not a bank and gives no financial advice: calculations are based on what you enter. Privacy policy: https://moneygrid-app.netlify.app/privacy Terms of use: https://moneygrid-app.netlify.app/terms

MoneyGrid opens faster and responds better from the first use. Shared economies do less work while the app is open: when nothing has changed, the sync every minute is a single request to the server, so it uses less battery and doesn't hold up what you save.