MonetaZen
IT EN
A little less searching. A lot more peace of mind.

Your finances.
In perfect . balance

Track everyday spending, manage meal vouchers, and monitor your wealth in two taps. 100% private, offline, and right on your device.

Download on the
App Store
Get it on
Google Play

Available for iPhone and Android • No account required • 100% Local

Good afternoon, John

Here's your balance for October

Oct 2026
CURRENT MONTH
MONTHLY BALANCE
+99.5%
€ 1,990.00
Positive average monthly savings rate
INCOME
€ 2,000.00
EXPENSES
€ 10.00
YOUR ACCOUNTSView all ›
Bank / Card
Revolut
€ 2,990.00
Cash
Wallet
€ 0.00
20 available
Meal Vouchers
€ 160.00
Benefit
Welfare
€ 0.00
RECENT TRANSACTIONS1 transaction
Radical Privacy

On your device.

Your accounts, transactions, and habits never leave your phone. Local encryption, protected by your phone's biometrics.

Always ready

Works offline.

No loading spinners and no cloud dependency. It opens instantly, whether you're on a flight or underground.

Zero Tracking

No account.

No email required, no password to remember. Download, open, and enjoy calm financial clarity right away.

Guided Workflow

Less digging.
More clarity.

Built to reveal your financial health in under 2 seconds, without hostile spreadsheets or convoluted nested menus.

Good afternoon, John

Here's your balance for October

Oct 2026
CURRENT MONTH
MONTHLY BALANCE
+99.5%
€ 1,990.00
Positive average monthly savings rate
INCOME
€ 2,000.00
EXPENSES
€ 10.00
YOUR ACCOUNTSView all ›
Bank / Card
Revolut
€ 2,990.00
Cash
Wallet
€ 0.00
20 available
Meal Vouchers
€ 160.00
Benefit
Welfare
€ 0.00
RECENT TRANSACTIONS1 transaction
Lunch
29/10/2026 • 14:06
-€ 10.00
LunchPersonal# Pizza
PAYMENT BREAKDOWN (SPLIT):
Account: Revolut€ 10.00
Edit Expense
Assets

Overview of liquidity and allocated resources

TOTAL NET WORTH
+€ 1,990.00
€ 3,150.00
Liquidity
€ 2,990.00
Meal Vouchers
€ 160.00
Benefits
€ 0.00
BANK ACCOUNTS & CARDSAdd
Revolut€ 2,990.00
CASH & WALLETS
No cash wallet configured
MEAL VOUCHERS (TICKETS)Add
Edenred20 vouchers (€8.00 ea.)€ 160.00Exp. 31/12/2027
Statistics

Expense analysis, subscriptions and plans

ANNUAL BALANCE
2026
+€ 1,990.00
+99.5% Annual Savings
Income
€ 2,000.00
1 income
Expenses
€ 10.00
1 expense
Avg Income / mo
€ 2,000.00
Avg Expense / mo
€ 10.00
MONTHLY TREND 2026Tap a month for details
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
RECURRING PLANS & SUBSCRIPTIONS
Manage plans ›
Unique Architecture

Designed for how you actually spend.

Not another receipt hoard, but a precision instrument crafted for real-world personal finances.

Integrated Welfare Welfare

Smart Meal Voucher Tracker

Have corporate meal vouchers sitting in your app? Calculate your remaining purchasing power instantly:

Total value of your vouchers: €208.00
Fixed Overhead

Recurring Expenses

Streaming, gym, rent, and utility bills. See how much they weigh on your monthly net income.

  • Video streaming €17.99 / month
  • Gym €29.90 / month
Local encryption

Face ID & Biometrics

No external server can read your transactions: records are encrypted locally with AES-256 (keys derived via PBKDF2) and sealed behind your phone's biometrics.

Zero external servers
Impeccable Craft

Liquid Glass Design System

Six native color themes inspired by iconic design movements (from Bianco Light to Blu Dark, Swiss precision, and Violet).

  • White
  • Dark Blue
  • Playful
  • Serious
  • Business
  • Violet

Financial privacy isn't a feature.
It's the foundation.

Most financial apps demand bank sync so they can monetize aggregated transaction profiles or pitch credit offers. MonetaZen takes the opposite stance: everything runs locally on your device, with no central servers storing your spending habits.

Frequently Asked Questions

Everything you need to know

Absolutely not. MonetaZen runs no profiling servers and sells no data. Your financial records live exclusively inside your phone's encrypted storage.

You can track your voucher balances (Edenred, Pluxee, etc.) with face values and expiry dates. When shopping, log payment in vouchers with one tap: the app decrements your tickets and warns you before they expire.

MonetaZen features password-protected local backup. You can export an encrypted archive anytime and restore it onto your new phone in seconds, keeping full control of your data.

No account required. Download the app and start recording transactions immediately. You will never be asked for an email, a password, or a sign-up form.

Yes, 100%. As a native offline-first application, all entry flows, calculations, analytics, and balance checks run instantly without any internet connection, even in airplane mode.

The clarity of money.
The calm of mind.

Start managing your personal finances without anxiety today. Available free for iOS and Android.

Download for iOS Download for Android