Moneta

Moneta is a private, on-device money manager built for people who handle more than one currency. Track NTD, USD, and IDR side-by-side, see your total net worth in your chosen base currency, and never give up your data to a cloud service to do it.

🌍 Multi-currency by design
- Add wallets in NTD, USD, or IDR. Mix as many as you need.
- Set your base currency once; every total auto-converts.
- Manual or auto-updated FX rates — your choice, your data.
- Cross-currency transfers track the conversion rate you actually got, not an approximation.

💰 Track every movement
- Income, expense, and transfer transactions
- Recurring schedules: daily, weekly, monthly, yearly
- Budgets per category with monthly auto-reset
- Goals with deadlines and progress tracking
- Receipt OCR — capture, scan, file, on-device only

📊 Analytics that explain themselves
- Cash flow by period
- Top spending categories
- Net-worth trend across all wallets
- Filter by date, currency, type — composable and fast

🔐 Auth that respects you
- Optional biometric lock (fingerprint or face)
- Optional 4-digit PIN, independent of biometric
- Optional Google Sign-In — used only for PIN recovery
- Encrypted backup: passphrase-protected .moneta file you save anywhere

🌐 Trilingual UI
English · Bahasa Indonesia · 中文 — switch any time, no restart.

🚀 Privacy by default
- No analytics, no telemetry, no tracking pixels
- Zero data leaves your device unless YOU export it
- Encrypted backups use AES-GCM-256 with PBKDF2 key derivation

🎯 Built for real life
- Manages cash + bank accounts + e-wallets in one view
- Works offline by default
- Quick Add from the notification shade
- Daily reminder if you want one

Your wealth, elevated.