Monefy

Monefy focuses on entering a purchase when it happens. Its manual workflow and statement imports avoid making a bank connection part of setup. The free core covers everyday tracking; the optional upgrade adds unlimited accounts, recurring entries and advanced filters. On iOS, Premium is an automatically renewing subscription purchased through Apple.

To record a purchase, use the red minus button, enter the amount, choose the account and select a category icon. The green plus button records income. A date and note help distinguish a delayed entry from today’s spending. Category edits also affect older transactions using that category, so renaming one changes how the history is described.

One budget across phones

In Settings, Synchronization, authorize Google Drive or Dropbox. Use the same cloud account on the other phone. Turning synchronization off leaves local records intact. No separate app account is needed for local entry; a provider account is needed for optional sync.

For accounts in different currencies, set the conversion rate yourself in Currencies. The help guide says a missing rate falls back to one to one, so an unset rate can make a combined total misleading.