MoneyOS

MoneyOS is your personal money command center — built for Singapore, and built to stay completely private.

Most finance apps ask you to link your bank, hand over your data, and sync everything to the cloud. MoneyOS does the opposite. Every dollar you track lives only on your phone. No account. No sign-up. No cloud. No ads selling your data.

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📊 SEE YOUR WHOLE FINANCIAL PICTURE
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• Net worth tracking with a clear history chart — watch it grow over time
• Assets and liabilities in one place: cash, investments, CPF, property, loans
• Cashflow at a glance — income vs. expenses across the last 6 months

💸 SPEND AND BUDGET WITH CONFIDENCE
• Fast, bank-style amount entry — just type the digits
• Custom categories, budgets, and spending-trend charts
• Attach receipt photos to any transaction
• Smart reminders for bills, loans, credit cards and insurance

📈 TRACK YOUR INVESTMENTS
• Portfolio allocation charts and real returns (XIRR)
• Dividend income tracked automatically into your cashflow

S BUILT FOR SINGAPORE
• CPF-aware — model contributions and use CPF-OA as a payment source
• Tax Optimization based on IRAS reliefs, so your savings estimate is real
• Money Audit surfaces reliefs you may be missing
• Everything in SGD, tuned to how money actually works here

🔒 PRIVACY BY DESIGN
• 100% offline — your data never leaves your device
• Protected with PIN and biometric unlock
• Full backup and restore, and CSV import/export — you own your data
• Home-screen widget for a quick net-worth glance

Whether you're paying down debt, building your first emergency fund, growing a portfolio, or optimizing your taxes before year-end, MoneyOS gives you one calm, private place to see it all.

Take control of your money — without giving it away.