Skynite · Android & iOS
The expense tracker that never sees your money
Mona runs entirely on your phone. No bank login, no account, no server holding your statements. Your data syncs to your own Google Drive — or nowhere at all.
Get Mona on Android Free trial first. ₹999 once — no subscription.
Why you can believe the privacy claim
Not a policy promise — a consequence of how the app is built.
- No backend serverThere is no copy of your data for anyone to hand over, sell, or lose.
- drive.file scope onlyGoogle permits Mona to touch only files it created. The rest of your Drive is invisible to it.
- No analytics SDKsThe app ships with no trackers and no ad libraries.
- Works fully offlineSync is optional. The app never needs a network to function.
Why “no backend” is the whole point
Most expense trackers ask you to connect a bank account or forward statements to their servers. That means a company you have never met holds a complete record of what you earn and where you spend it — and becomes a target worth attacking.
Mona has no server to attack. Expenses are parsed on your device, stored in a database on your device, and backed up only to a private folder in the Google Drive you already own. The developer cannot read any of it, because there is no copy to read.
See it on Google Play No account needed to start.
What it does
Expenses
Import bank statements (PDF, CSV, XLSX), scan receipts, or read UPI and bank alert SMS on Android. Duplicates are caught before they reach your ledger.
Net worth
Track accounts, investments, property and loans in one figure that updates as you record things.
Document vault
Passports, policies, warranties and IDs — encrypted on device, synced to your Drive, searchable offline.
Family sharing
A shared household budget and task list, with membership by Google account. Shared expenses only — personal spending stays private.
Gift register
Record wedding and function gifts by guest and family, and see what is owed in return.
Travel & trips
A trip diary with a budget that tracks spending linked to that trip.
Start the free trial Works fully offline. Nothing uploaded.
Common questions
Does Mona need my bank login?
No. Mona never asks for bank credentials and has no way to connect to a bank. You import statements yourself, or let it read transaction alert SMS on Android. Nothing is fetched from your bank.
Where is my data stored?
In a database on your device. If you connect Google Drive, an encrypted backup is written to a private folder in your own Drive using the drive.file scope — which only grants access to files Mona itself created, not the rest of your Drive.
Can the developer see my expenses?
No. There is no server, so there is no copy of your data anywhere the developer can reach. This is a property of the architecture, not a policy promise.
Does it work offline?
Yes, fully. Google Drive sync is optional — the app is completely usable with no account and no network connection.
Is there a subscription?
No. Mona is a one-time ₹999 purchase for lifetime access, after a free trial. There is no recurring charge.
Nothing to lose by trying it
Your money and documents, on your device only
Free trial, then ₹999 once. No subscription.
Install Mona — ₹999 once One payment. No renewals.
More about Mona
- Expense Tracker With One-Time Payment — No Subscription
- UPI Expense Tracker — Track UPI Spending Automatically
- Digital Document Vault — Store IDs & Policies Offline
- Wedding Gift Register App — Track Moi & Return Gifts
- A Walnut Alternative That Keeps Data On Your Phone
- Pricing — ₹999 Once, Lifetime Access