Daily expense manager
A daily expense manager that keeps your money private
mFinley is a daily expense manager for Android and the web. You log each spend as it happens, sort it into a category, and see your month at a glance. Your data is stored on your phone. mFinley never links to banks, never reads SMS and shows no ads.
Here is how the daily habit works, what is free, and where mFinley may not suit you.
The daily habit, in four steps
- Log it when you spend. Tap +, type the amount, pick a category and save. It takes a few seconds. Cash, UPI or card, it all goes in the same way.
- Use categories that fit your life. Start with the default categories and change them to suit you.
- Check your month. The monthly dashboard shows what came in, what went out, and a spending chart by category. Search and filters help you find any entry.
- Set budgets. Give your biggest categories a monthly limit. The app shows your progress against each budget.
Income and expenses in one place
mFinley is an income expense manager too. Add your salary, freelance payments or rent received as income. The monthly view puts income next to spending, so you can see what is left.
Want to bring in older records? Import a CSV file with Date, Amount, Description and Category columns. With your own Gemini key, you can also import a bank statement using the optional AI.
What is free and what is in Pro
| Feature | Free | Pro |
|---|---|---|
| Expense and income tracking | Yes | Yes |
| Categories, search and filters | Yes | Yes |
| Monthly dashboard and budgets | Yes | Yes |
| CSV import and export, local backup | Yes | Yes |
| Encrypted cloud backup (Google sign-in) | Yes | Yes |
| Optional AI on your own Gemini key | Yes | Yes |
| Year view and trends | No | Yes |
| Net-worth history | No | Yes |
| Goals and the Fin Freedom Simulator | No | Yes |
| Assets, vehicles and insurance | No | Yes |
| Unusual-spending alerts and recurring-payment detection | No | Yes |
Pro costs ₹149 a month or ₹999 a year. The yearly plan has a 7-day free trial. You subscribe in the Android app through Google Play. Unusual-spending alerts and recurring-payment detection work without AI.
Privacy, plainly
- Your entries are stored on your phone. On the web app, they are stored in your browser.
- No bank login. mFinley never links to your bank.
- No SMS reading. mFinley never reads your messages.
- No ads.
- Cloud backup is optional and encrypted. It needs Google sign-in.
- AI is off until you add your own Gemini key. Then the text you send for AI features goes to Google's Gemini API on your key. It does not pass through MoonProduct's servers.
- The trade-off: nothing is imported automatically. You add each entry, import a CSV, or use the optional AI statement import.
Who it suits
- You pay by cash and UPI and want one place to note it all.
- You don't want an app to read your SMS or connect to your bank.
- You want a simple daily habit now, and net worth and goals later.
- You want to use it on your phone and on a computer.
Who it may not suit
- You want every bank transaction pulled in automatically. mFinley does not do that.
- You want the app screens in Hindi, Tamil or another Indian language. The app is in English only.
- You want to share one budget with a partner on two phones. mFinley has no shared or couples mode.
- You want an iPhone app. mFinley has an Android app and a web app only.
Compare: mFinley vs Monefy · mFinley vs Money Lover · mFinley vs Money Manager
Frequently asked
What is the best daily expense manager app?
The best one is the one you will open every day. Look for fast entry, clear categories, a monthly view and budgets. Then check what the app does with your data. mFinley covers the basics for free, keeps your data on your phone, and never reads SMS or links to banks.
Is mFinley free?
Yes. Daily tracking, categories, search and filters, the monthly dashboard, budgets, CSV import and export, local backup, encrypted cloud backup and optional AI are all free. Pro costs ₹149 a month or ₹999 a year, with a 7-day free trial on the yearly plan.
Can I track income as well as expenses?
Yes. Add income such as salary or freelance payments. The monthly dashboard shows income and spending side by side.
Does mFinley read my SMS or link to my bank?
No. mFinley never reads SMS and never links to banks. You add entries yourself, import a CSV, or use the optional AI statement import with your own Gemini key.
Do I need AI to use mFinley?
No. Daily tracking works without AI. AI is optional and runs on your own Gemini key. It can answer questions about your spending, import statements and suggest categories.
What language is the mFinley app in?
The app's screens are in English only.
Can I use mFinley on a computer?
Yes. mFinley has a web app at mfinley.moonproduct.tech as well as the Android app.
Start today
Log your first expense today.
Free for daily tracking. No ads. No bank login. No SMS reading.