Monetrics
Development activeEstimated release Q2 2026 · Information subject to changeTake back control of your finances: budgets, automation, forecasting, and multiple currencies, never leaving your device.
Overview
Monetrics is a fully offline, encrypted budget manager for Android, built from scratch in Kotlin and Jetpack Compose. It handles multiple accounts, recurring transactions, budget rollover, forecasting, and 165 currencies, all without ever touching a network.
The Problem It Solves
Most budget apps fall into one of two camps: simple expense trackers that top out at "you spent $47 on coffee," or full-featured tools that require cloud accounts, bank linking, and a willingness to hand your financial data to a third party. Monetrics occupies the space between them. It offers real budgeting mechanics: period-aware budgets with rollover, a genuine recurring transaction engine, per-account currency support, and balance forecasting, without requiring an internet connection or trusting a remote server. The entire database is AES-256 encrypted on-device. There are zero network permissions in the manifest. Your data never leaves your phone unless you explicitly export an encrypted backup.
Feature Highlights
Accounts & Transactions
Multiple account types (checking, savings, cash, credit card, investment, loan, and more), each with its own currency. Transactions are signed (income positive, expenses negative) and every entry records the resulting account balance, creating an immutable history you can query at any point in time. Cross-currency transfers let you move money between accounts with a user-set conversion rate, no API call needed.
Budgets That Roll Over
Named budgets operate on daily, weekly, monthly, or yearly periods and can be scoped to specific categories or accounts. Unused budget carries forward to the next period automatically, with an optional cap to prevent infinite accumulation. A real-time BudgetSnapshot calculates spent, remaining, percentage used, and an over-budget flag. No stale numbers.
Recurring Transactions
This is not a reminder system. Monetrics runs a full recurrence engine backed by WorkManager and AlarmManager. The daily trigger time is user-configurable. Rules support once, daily, weekly (specific day), monthly (specific day or last-of-month), and yearly frequencies with interval multipliers. Two posting modes: Auto (silent, hands-free) and Manual Confirm (sends a notification; you confirm, edit the amount, or skip). Anchor-from-last-posted logic ensures correct scheduling even after catch-up periods.
Forecasting & Calendar
The Forecast screen projects future account balances based on upcoming recurring rules and flags danger levels: safe (green), caution (yellow), danger (red). Those tints carry into the Calendar view so you can see trouble coming at a glance. Drop below a threshold and you get a push notification. The Calendar shows income, expense, and recurring indicator dots per day, with tap-through to a full day detail.
Templates & Hotbar
Up to four transaction templates can be pinned to a hotbar that appears above the navigation bar on the Today and Calendar screens. One tap posts a transaction (Auto mode) or opens a confirmation sheet (Confirm Amount mode). It turns your most common transactions (morning coffee, transit pass, weekly groceries) into single-tap actions.
Navigation
The app uses a double navigation bar. Ten destinations split across primary and secondary rows for thumb reachability. A context-aware FAB changes its behaviour depending on the active screen: new transaction on Today, new budget on Budgets, and so on.
Privacy & Security
- SQLCipher AES-256 encryption: the entire database file, not just sensitive fields.
- Android Keystore: encryption key derived and stored in hardware-backed storage.
- PIN lock with configurable auto-lock timeout.
- Zero internet permissions: the manifest contains no network access. No analytics, no telemetry, no crash reporting.
- Encrypted backup and restore through Android's Storage Access Framework. No cloud account required.