Frequently asked questions

Yes. The free tier includes unlimited transaction entries with limits on categories, subcategories, accounts, budget plans, and scheduled payments. Premium at $0.99 per month raises or removes limits and adds advanced features. Regional app-store pricing and tax can vary.

Premium removes all limits — unlimited categories, subcategories, accounts, budget plans, and scheduled payments — plus unlocks zero-based budgeting, advanced goal tracking, net worth tracking, advanced analytics, Google Drive auto-sync backup, and desktop read-only preview for Windows and Mac.

Easymony stores core financial records locally in SQLite and does not sell them. Optional Google Drive backup uses limited account access and network services that you choose to enable. Support requests may contain information you send voluntarily. See the privacy policy for complete boundaries.

Core transaction tracking, budgeting, and local reports are designed to work without an internet connection. Downloading the app, sharing some exports, and optional Google Drive backup require a connection.

The free tier includes: 14 budget categories max, 12 subcategories per category max, 5 accounts max, 1 budget plan, and 3 scheduled payments max. Everything else is unlimited — transactions, PDF exports, ZIP backups, multi-currency support, biometric lock, and visual analytics. For most individual users, these limits are more than enough.

Subcategories let you organize each budget category into more specific groups. For example, an 'Insurance' category can have subcategories like Health Insurance, Car Insurance, Home Insurance, Life Insurance, Travel Insurance, Device Insurance, Business Insurance, Pet Insurance, Premiums, Claims, Renters Insurance, and Disability Insurance. Easymony uses a two-level structure: Category → Subcategory. Free users get up to 12 subcategories per category; Premium users get unlimited.

Zero-based budgeting is a method where you assign every dollar of income to a specific category — so your income minus your expenses equals zero. Easymony supports zero-based budgeting as an optional toggle in Premium. Unlike YNAB which forces this method, Easymony gives you gentle warnings if you don't assign all your income, but never blocks you. You choose your budgeting style.

Easymony supports multiple goal types including savings goals, debt payoff goals, emergency fund goals, and more. You can set target amounts, deadlines, and track progress over time. Premium users get advanced goal tracking with deadline support and more goal types. The app helps you visualize your progress toward each financial goal.

Net worth tracking automatically calculates your total net worth from all the accounts and data in Easymony. It adds up your assets (savings, cash, etc.) and subtracts your liabilities (credit card debt, loans) to show your net worth in real-time. Premium users also get historical net worth trends to see how their financial health changes over time.

Free users can create up to 5 accounts. Premium users get unlimited accounts. You can create accounts for cash, bank accounts, credit cards, savings, investment accounts, or any custom type. Each account can have its own opening balance, and you can track them all separately to see your complete financial picture.

Yes. You can undo or delete any transaction within the current month. If you enter the wrong amount or select the wrong category, just undo or delete it and re-enter. There's no time limit within the current month — fix errors instantly without worrying about messing up your records.

Easymony is designed for one-tap entry. Pin your most-used categories to the home screen, tap the category, enter the amount, and you're done. That's it. The interface is intentionally minimal — clear navigation, visual category icons, and the fewest possible steps.

Premium users get a read-only desktop app for Windows and Mac that lets you view your financial data on a larger screen. It syncs with your mobile data via Google Drive (encrypted), so you can review budgets, transactions, reports, and analytics on your computer. It's read-only — all edits are done on your mobile device.

Free users can manually export encrypted ZIP backups and store them anywhere (Google Drive, email, USB). Premium users get automatic Google Drive sync — your data is encrypted and backed up to your Google Drive automatically, so you never have to think about it. Restoring from Google Drive is just one tap.

Free users: Navigate to Settings > Backup & Restore > Export Backup to generate a complete ZIP file of your database. Save it to Google Drive, email it to yourself, or copy it to a USB drive. To restore, go to Settings > Backup & Restore > Import Backup and select your ZIP file. Premium users: Your data is automatically backed up to Google Drive, so just log in on your new device and restore.

Yes, you can secure your financial records using your device's built-in biometric authentication (Face ID or Fingerprint) or a custom PIN code, ensuring only you can access the app. This adds an extra layer of protection even if your phone is unlocked.

Easymony supports over 150 world currencies. You can set a primary currency and manage manual exchange rates for accounts in other currencies without relying on unstable third-party APIs. This makes it ideal for expats, travelers, and anyone managing finances across multiple currencies.

Easymony is available on Android (Google Play). iOS is in development and coming soon. Premium users also get a read-only desktop preview for Windows and Mac, synced via Google Drive.

Mint was discontinued and selected features moved to Credit Karma. YNAB focuses on connected accounts and guided zero-based budgeting. Easymony takes a different approach: manual entry, offline core features, local storage, custom subcategories, and an optional low-cost Premium tier.

Yes. Easymony lets you generate professional PDF reports of your transaction history, filtered by date range, category, or account. You can share these via email, WhatsApp, or save them to your device. For full data backup, you can export a complete ZIP file of your entire database.

No. Easymony uses manual entry, so it does not ask for your bank-login credentials. Core records are stored on your device; optional backup services have separate data and network behavior described in the privacy policy.

Device security and the optional Easymony app lock help protect local records, but they do not replace a backup. If a phone is lost or damaged, recovery depends on having a current usable manual backup or an enabled Google Drive backup.

Easymony was created by Tony Stacks (Sohail), an independent React Native developer who was frustrated with finance apps that either charge high subscriptions or sell user data. The app is a passion project built on the belief that financial tools should be accessible to everyone — affordable and private.

In Easymony, you can create scheduled payments for bills, rent, subscriptions, and any recurring expense. Set daily, weekly, monthly, or custom recurrence intervals. Easymony will notify you before each payment is due so you never miss a deadline. Free users get up to 3 scheduled payments; Premium users get unlimited.

Yes. We're currently testing SMS-based transaction detection that will automatically detect and log transactions from bank SMS alerts — no manual entry needed. This feature is coming to both iOS and Android in an upcoming update, and will be available to Premium users.

Absolutely. Easymony is designed primarily for young adults (18-35) but its simplicity makes it accessible to all ages. The one-tap entry system, visual category icons, clear navigation, and minimal steps make it intuitive enough that even kids can use it. There's no complex setup, no confusing menus, and no learning curve. Just tap a category, enter an amount, and you're done.