Moneycule - Personal Finance

Take full control of your money — all in one place.

Moneycule is a powerful personal finance manager designed for people who want a clear, honest picture of where their money goes. Whether you're tracking daily coffee runs, managing multiple bank accounts across currencies, saving toward a dream, or planning ahead with a monthly budget — Moneycule keeps every rupee, dollar, and euro in check, right on your device.

Ask Your Finances Anything

Moneycule includes an AI financial assistant that actually knows your data. Ask it things like "Where did my money go this month?", "Am I on track with my savings goal?", or "Which subscriptions am I still paying for?" — and get a real answer drawn from your accounts, transactions, budgets, and goals. No generic advice. No guesswork. Just your numbers, explained in plain language. The AI assistant is available as part of Moneycule Premium.

Track Every Transaction, Your Way

Log income, expenses, and transfers in seconds. Assign categories and subcategories — from Salary and Investments to Food, Transportation, and Debt — and attach tags to group related spending across categories. Need to split a dinner bill between Food and Social Life? The split transaction feature divides any amount across multiple categories atomically, so nothing gets lost. For regular payments, set a transaction to repeat daily, weekly, monthly, or yearly — and Moneycule generates future entries automatically in the background, so your books are always up to date.

Snap a photo of a receipt or attach a document directly to a transaction, so paper trails live alongside the numbers that matter.

Manage All Your Accounts in One Dashboard

Add any account type — cash, debit and savings cards, credit cards, loans, overdrafts, investments, insurance, and more. Each account gets its own currency, balance, and a custom icon and color you choose, making them instantly recognizable in lists and charts. Credit accounts display a utilization indicator so you always know how close you are to your limit. Accounts you no longer actively use can be archived, keeping your active list clean without losing a single historical transaction.

Budgets That Adapt to Your Life

Create budgets that track spending by category or by account — whichever matches how you think. Set them to repeat on any schedule from daily to yearly, and Moneycule automatically resets and reapplies them each period. A live progress bar shows exactly how much budget remains, and the status flips to Completed the moment you hit your limit.

Save Toward Goals You Actually Care About

Turn any savings account into a Goal and set a target amount and deadline. Every time you transfer money into that account, Moneycule updates your progress automatically — no manual entry needed. When you reach your target, the goal is marked as achieved and timestamped, giving you a record of every financial win.

Plan for Recurring Costs Before They Arrive

Subscriptions, services, insurance renewals, annual fees — the Planner's Expenditure tracker lets you record any recurring cost with a validity period and a reminder. Choose how many days in advance you want a notification, and Moneycule will alert you before the next payment hits, so you're never caught off guard.

Insights That Make Sense

The Dashboard brings your financial picture together in one scrollable view. See your income versus expenses as a trend over time, category and subcategory spending breakdowns in interactive charts, tag-based spending summaries, upcoming expenditures at a glance, and investment account projections. Flip between weekly, monthly, quarterly, and yearly views with a single tap.