MyMoooolah

Plan the month, track what actually moved, and see where the year is heading — without an account, a subscription, or a single byte leaving your phone. MyMoooolah is a household budgeting app that keeps your money to yourself. There is nothing to sign up for, nothing to sign in to, and no bank connection. You enter your own figures, and they stay on the device. PRIVACY, AS THE FOUNDATION • No account, no sign-in, no cloud • No tracking, analytics or advertising — and no third-party code of any kind • The app makes no network requests at all • Your data leaves only when you tap Export or Back up and choose where it goes • "Erase all data" does exactly that PLAN THE MONTH • Set what comes in, your recurring bills, your everyday spending and what you set aside • Every screen saves as you type • Give a single month its own figures without disturbing the plan — anything you don't type carries forward, and the app tells you it did • See the plan against the 50/30/20 rule, with unallocated income called out rather than quietly counted as savings KEEP UP WITH THE BILLS • A month calendar showing what's paid, what's marked paid and what's still to go out • Subscriptions with renewal dates • Sinking funds with targets, contributions and whether each is on track SEE WHERE YOU STAND • Financial health — six measures read from records you already keep, each scored on a stated scale and weighted into one figure out of 100 • Goals — sinking funds, emergency runway, a debt-free date and retirement, each with a projected date or the reason there isn't one • Net worth, with assets, liabilities and history • Debt payoff by snowball or avalanche, with a payoff order and a debt-free date • Cash flow day by day to your next payday, with the lowest point marked • Monthly review puts the plan beside the log, line by line • Yearly review builds the year from what you've logged and projects the rest LOG WHAT MOVED • Enter transactions by hand, or import a bank statement CSV — you pick the file, map the columns, check every row, then confirm, and you can undo it afterwards • The file is read on your phone, and nothing about it is sent anywhere AN APP THAT SAYS WHEN IT DOESN'T KNOW Much of what makes this app different is what it refuses to do. A measure it can't score is left out with its reason, never counted as a zero. A category it had to guess is labelled as a guess. A logged row it can't match to your budget is listed plainly rather than folded into a total. Where two screens disagree, it names the contradiction instead of quietly resolving it. Nothing here is advice — it's a description of what your own figures say today. WHAT IT DOESN'T DO There is no bank connection, so your account balances are yours to update. That is the deliberate trade: connecting to a bank is exactly what would require an account, a server and your credentials. Everything here works without them. Free, with no in-app purchases and nothing held back. For iPhone. Pounds, dollars or euros. Four colour themes, light or dark, and support for larger text.