Monefy Review 2026: A Simple Offline Log With a $59.99 Premium

Monefy is one of the long-running names in manual expense tracking, and the numbers explain the loyalty. An average of 4.7 from about 6,700 US App Store ratings, a 57 MB install that runs on iOS 15, and a design that asks for the amount and nothing else. This review uses only Monefy's App Store listing, help center, terms of service and privacy policy, fetched on 12 September 2026. Anything those do not settle is marked as unverified, and on pricing that turns out to be a lot.

What Monefy is

A manual money log from Reflective Technologies ApS, a Danish company, sold on the App Store as Monefy: Bills & Money Tracker. It runs on iPhone, iPad and iPod touch with iOS 15.0 or later, and on Android. No web app was found. The current iOS build is version 1.10.10, released 26 August 2026, with 16 interface languages on the listing.

The whole product is one screen. Tap the red minus or the green plus, type an amount, pick a category, and the donut chart updates. The description puts it plainly: you do not need to fill in anything except the expense amount.

Pricing, as listed

Free to download, and the description says it offers an auto-renewing Premium Subscription. The US App Store purchase list shows exactly one item, Monefy Premium at $59.99, and does not say whether that is a month, a year or forever.

Monefy's terms of service widen the picture without settling anything: Premium may be sold as a monthly subscription, an annual subscription or a one-time purchase, available from time to time, and all sales are final with no refunds. A free trial is mentioned only conditionally. The description says any unused portion of a free trial period, if offered, is forfeited on purchase, and no length appears anywhere we fetched. Recent App Store reviews describe a trial converting to a $59.99 yearly charge, which points at an annual plan, but that is a user report and this page treats it as one.

What Premium unlocks is only half documented. The help center says Premium users can create unlimited accounts and hide archived ones. Recent reviews mention recurring transactions, extra icons and report sharing as things that now sit behind it, which Monefy's materials neither confirm nor deny.

What is genuinely good

Entry is fast in the manual sense, and that is a real category. Amount first, category second, done. A built-in calculator handles split bills, recurring entries repeat daily, weekly, monthly, yearly or at an interval you set, and editing a category updates the past transactions that used it. That last detail is the kind of thing only long-lived apps bother to get right.

It also runs with no account and no Monefy server anywhere in the loop. The help center says your entire budget lives in a single encrypted database file inside the app's sandbox on your device, and that Monefy's servers never touch it. Two devices sync through your own Google Drive or Dropbox. The app collects no personal identifiers unless you email support.

The basics are all present: multiple accounts, which Monefy calls pockets, a monthly budget mode, a donut chart with a selectable report period, 150-plus currencies, passcode protection with Face ID or Touch ID, a dark theme, and widgets mentioned in the help center.

And people stay. The most consistent praise in recent App Store reviews is how simple and quick it is, with several reviewers describing five or more years of use. Five years with one money app is a stronger endorsement than any feature list.

What is weak or missing

The price has no period attached to it. A $59.99 purchase with no stated term. A trial with no stated length. Terms saying monthly, annual and one-time may each exist. And no refunds, on any of them. Recent reviews return to this constantly: the shift from a one-time purchase to a subscription, the trial converting to a full-year charge, and a purchase that did not carry over between Android and iPhone.

The ads question has three different answers depending on which Monefy page you read. The help center says zero ad SDKs. The privacy policy says Google AdSense and AdMob may be used in the app, with personalized advertising through the Google Mobile Ads SDK. The App Store privacy label lists third-party advertising identifiers. And recent reviews of the free tier mention ads and a paywall prompt on every open. We are not going to reconcile those for you, because we cannot.

Every expense is typed. No voice entry, no receipt scanning, no photo attachment, no Apple Pay automation and no bank sync appear in any source we fetched, and one recent review asks for attachments. If manual entry is what stopped you tracking last time, nothing here has changed.

Smaller gaps, briefly. You set each exchange rate by hand, with a 1 to 1 fallback when one is missing. Weekly budgets are Android only. The export format is not stated. Recent reviews mention crashes, data resetting and the app failing to open after updates.

Privacy, in Monefy's own words

On storage: "Your entire budget lives in a single, encrypted database file that stays inside Monefy's private sandbox on your device," and, "Monefy's servers never touch the file." On identity: "Your email address is collected if you send an email to our support email." On sharing: "We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information."

On advertising, the privacy policy says, "We may use Google AdSense and Admob Advertising on our Website and in our App." The help center, asked whether Monefy shares any data with third-party advertisers, says, "No. Monefy contains zero ad SDKs." Both documents are current. Both are Monefy's.

Who Monefy suits

Someone who wants a free, offline log that never asks for an email. Someone using an iPad or an Android phone alongside an iPhone, syncing through Google Drive or Dropbox. Someone for whom a donut chart is enough analysis. And someone content to type every amount, or to pay $59.99 without knowing the period until the purchase sheet appears.

It suits you less if you want receipts read for you, purchases logged automatically, a net-worth figure, or a price with a term attached before you tap.

How Cash Book differs

Cash Book keeps the part Monefy gets right, which is no account and data on the phone, and changes how an expense gets in. The primary paths are voice logging, where one sentence becomes one or several transactions, and receipt scanning, where a photo of a receipt, bill or screenshot is read line by line. A one-time Shortcuts automation handles Apple Pay taps, and a three-tap keypad covers everything else. Transactions stay on the iPhone with optional iCloud sync. The price is stated up front: a 7-day trial, then $39.99 a year or $19.99 once, with no free tier, no iPad or Android version and no bank sync. The full side-by-side is in Cash Book vs Monefy.

The bottom line

Monefy earns its ratings on one good decision, made a long time ago and never abandoned: the amount is the only thing you have to type, and the log never leaves your device. Its problems are all in the ring around that decision. A Premium price with no stated period. A trial with no stated length. No refunds. A help center and a privacy policy that disagree about ads.

A free, offline tap log on any device is still a sensible thing to want, and Monefy is still a sensible way to get one.

Get Cash Book on the App StoreFree for 7 days. $19.99 once for lifetime.

Get Cash Book on the App StoreFree for 7 days. $19.99 once for lifetime.