The Credentials
Bank aggregation hands a third party a live, categorised feed of everything you buy, everywhere, forever. The most commercially valuable document about you in existence, sitting on a server you have never seen.
Live on Google Play · Version 2.2.0
Your Money. Your Device.
Nobody Else's Business.
A Private, Offline-First Budget Planner and Expense Tracker. No account. No bank login. No trackers. No monthly rent. Your entire financial life is written to an Encrypted Vault on your phone — and it stays there.
0 Trackers
0 Ads
0 Subscriptions
AES-256 Backups
MyneWallet: Budget Tracker
The Private Financial Vault
Smart BudgetingAugust
$0.00
To Assign — Every Cent Has A Job.
Home1,865 / 1,865
Food & Dining1,204 / 1,550
Transportation318 / 520
Subscriptions125 / 125
The Three Ransoms
Most Money Apps Ask For Three Things Before They Will Help You.
A Bank Login. A Monthly Payment. And Permission To Study What You Buy. MyneWallet asks for none of them.
The Rent
A tool you open daily makes a superb subscription. Miss a payment and the app you have fed for three years locks you out of your own history. You were never buying software — you were renting access to your own numbers.
The Attention
Ad interstitials, upsell modals, sync spinners. Every extra second between I spent money and it is logged is a second you will eventually stop spending — and an untracked week is what actually breaks a budget.
Buy It Once. Log In Seconds. Keep Everything.
Smart Budgeting
Every Cent Has A Job.
Zero-based budgeting is the only method that answers the question you actually have. Not what did I spend? — but what am I allowed to spend right now?
Assign Your Money Before It Assigns Itself
Every dollar that lands gets a destination. Rent, groceries, the trip in March, the card you are digging out of. When the To Assign counter reaches zero the plan is complete — and every envelope on screen is a promise you have already funded.
- Auto Assign — fill from last month, fill your goals, or split proportionally, with the pool updating live as you drag.
- Safe To Spend — one honest figure separating liquid cash from money already committed elsewhere.
- Over-assignment warnings that name the exact amount instead of quietly letting the plan drift out of balance.
- Smart Fund Exclusions — keep the emergency fund out of daily spendable so you stop borrowing from your future self.
Total BalanceAug 2026
$13,489.91
Safe to Spend$8,921.28
Savings excluded — you told it that money already has a job.
This Month’s Income
+$9,700.00
This Month’s Expense
−$4,941.36
New Transaction2 taps
$46.20
ShellTransportation
Needs
WantsExtras
CashChecking
Credit Card
Saved locally. No network call. No spinner.
Three Seconds From Counter To Ledger
A tracker only works if you actually open it, so this one is engineered around a single number: the seconds between spending and logging. Two taps for the common case, the full form when you want one, no network round-trip in either.
- Needs, Wants and Extras on every expense, so you learn what drives the choice — not only where the money went.
- Unlimited tags — Date Night, Work, Trip: Lisbon — layered over categories instead of competing with them.
- Real credit-card logic. Cards are liabilities, so debt never inflates your cash position.
- Drag and drop everything. Accounts, categories and envelopes reorder into the sequence your head already uses.
The Analysis Engine
An Analysis Engine. Not A Pie Chart.
Everyone else derives insight from a bank feed. MyneWallet derives it from your own ledger, on your own silicon, at sixty frames per second.
Find The Day Your Money Leaks
A monthly total hides the truth. A spending calendar shows it: the damage is concentrated, repeatable, and usually lands on the same weekday.
- Spending Heatmap — every day of the period coloured by intensity, with your heaviest day and true daily average named.
- Rhythm detection — the weekday that quietly costs you the most.
- Needs / Wants / Extras sunburst — drill into a nested ring to see how much of the month was genuinely non-negotiable.
- Cash-flow river — income streaming from each source into each category in one Sankey view. PRO
Spending Calendar6 Months
LessMore
RhythmSaturday
Heaviest day$1,955.53
Average day$197.63
Net Worth12 Months
$40,495.20
Assets$43,467.85
Liabilities$2,972.65
Numbers That Are Actually True
Net Worth and Obligations in one place: what you own, what you owe, what is scheduled to leave, and where the balance is genuinely headed over the next thirty days — computed from your real obligations, never a hand-waved average.
- Net Worth Trend across your full history, assets and liabilities separated. PRO
- 30-Day Outlook naming the exact date your balance dips, and to what. PRO
- Loans, debts and subscriptions as first-class obligations, with payoff plans and price-change detection.
- PDF statements you can hand to an accountant without handing over an account. PRO
The Private Financial Vault
A Breach Of Our Servers Cannot Expose You. We Do Not Have Any.
That is the difference between a privacy policy and a privacy architecture. One is a promise about what a company will choose to do. The other is a statement about what is physically possible.
Encrypted Local Database
Your ledger lives in an encrypted store inside the OS-enforced app sandbox. Never uploaded, never mirrored, never indexed.
Backups You Control
Opt in and your vault is encrypted with AES-256 and a randomised IV before it leaves the device — into your own Google Drive, in your own account.
Privacy On The Screen Too
App Lock with biometrics, PIN or pattern. Block Screenshots kills recording and app-switcher previews. One tap masks every figure.
Your Data Walks Out With You
Full CSV import and export, plus PDF statements. No lock-in, because there is nothing to lock you into.
Aura
Built For Displays Worth Looking At.
A 60fps, hardware-accelerated interface in light and AMOLED-optimised dark. Quantum, Aurum Noir and Carbon Slate join the standard themes with PRO. Simplify Dashboard hides Budget and Net Worth if you only want a tracker today, and brings them back the moment you want more.
Transparent Pricing
Say Goodbye To Endless Monthly Subscriptions.
The core engine is free, permanently. If you want the deep analytics and unlimited structure, you buy it once — and it is yours for good.
The Whole Engine
Not a trial and not a crippled demo. A complete, private, offline money manager that never expires and never shows you an advertisement.
- Zero-based budgeting with envelopes and Auto Assign
- Accounts, categories, tags and obligations
- Category, Nature, Tag and Heatmap analytics
- App Lock, Block Screenshots, balance masking
- Encrypted Google Drive backup and restore
Pay Once. Own It Forever.
Every limit removed and every future capability included. Tied to your Google account, so it survives reinstalls and new phones.
- Unlimited accounts, envelopes and categories
- Twelve months of history in one combined view
- Burn-down pacing, cash-flow mapping, payee intelligence
- Net Worth Trend, 30-Day Outlook and payoff plans
- Quantum, Aurum Noir and Carbon Slate themes
- PDF statements, and new capabilities as the app grows
The Honest Comparison
What The Category Made Normal.
| Typical Budgeting App | MyneWallet | |
|---|---|---|
| What you pay | Monthly or yearly, indefinitely | One lifetime unlock |
| Where the ledger lives | Vendor cloud | Your device only |
| Account required | Email and password | None |
| Bank credentials | Aggregator link | Never requested |
| Analytics & ad SDKs | Standard | Zero shipped |
| Works in airplane mode | Partially, if at all | Completely |
| If you stop paying | Access restricted | You keep everything |
| If the company disappears | Data at risk | Nothing changes |
Straight Answers
The Questions Worth Asking.
Is MyneWallet free?
Yes. MyneWallet is free to download and the core budgeting and tracking engine is free permanently — no advertisements, no trial expiry. PRO is an optional one-time purchase that removes every limit. It is not a subscription and it never renews.
Does MyneWallet work offline?
Completely. MyneWallet is offline-first by architecture. There is no account and no sign-in, and every feature — including the full analysis engine — works with the device in airplane mode. The app touches the network only if you personally enable Google Drive backup or make a purchase through Google Play.
Does MyneWallet connect to my bank?
No. MyneWallet never asks for bank credentials and uses no aggregation service. That is deliberate twice over: continuous read access to your accounts is the single largest privacy concession in personal finance software, and the two seconds spent logging a purchase are the moment you actually notice it. The app is engineered to make those two seconds as fast as physically possible, not to remove them.
Where is my financial data stored?
In an encrypted SQLite database inside your device’s private application sandbox, which Android isolates from every other app. The Brink Labs operates no servers holding your financial data, so no copy of your ledger exists outside your phone unless you choose to back it up to your own Google Drive.
What happens if I lose my phone?
You restore from a backup you control. MyneWallet encrypts your entire vault on-device with AES-256 and a randomised initialisation vector, then uploads that ciphertext to your own Google Drive. Restoring on a new phone is a two-tap operation. You can also export a plain CSV at any time and keep it wherever you like.
Is MyneWallet a subscription?
No. PRO is a single one-time unlock tied to your Google account. It never expires, it survives a reinstall and a new phone, and new PRO capabilities added in future updates are included rather than sold again.
What is zero-based budgeting?
Zero-based budgeting means assigning every unit of income a specific job before it is spent, until the amount left to assign reaches zero. Instead of reviewing what you spent after the fact, you decide in advance what each dollar is for. MyneWallet implements it with envelopes, an Auto Assign tool, and a live To Assign counter that reads zero when the plan is complete.
Can I import my history from another budgeting app?
Yes. MyneWallet imports CSV files and adopts the categories it finds automatically, ranked by how material each one actually is, so your history arrives intact rather than collapsing into an uncategorised bucket. Export is equally complete — CSV for your raw data, PDF for a formatted statement.
Does MyneWallet show advertisements or track me?
No. There is no advertising network, no attribution SDK and no product-analytics SDK in the app, and Google’s Firebase suite is not integrated. Do not take our word for it: put the app behind a network monitor, or simply use it in airplane mode, where nothing degrades.
Which platforms does MyneWallet support?
Android, through Google Play. There is no web version and no cross-device sync — a direct and deliberate consequence of storing your ledger only on your own device.
Transparency
Transparency & API Data Usage
Published in full so a reviewer, a researcher or an answer engine can find it without hunting. The complete legal text lives in the Privacy Policy.
What this app is for
The exact purpose of the MyneWallet application is to provide a high-performance, strictly offline-first personal finance engine. It allows users to securely track daily expenses, manage zero-based budgets, monitor net worth and obligations, and visualise spending locally on their own device.
Why we request Google user data
This app requests OAuth access to the Google Drive API strictly and exclusively so that you can back up and restore your own encrypted financial ledger to your own Google Drive account. We do not access, read, aggregate or transmit your data to any third-party server. MyneWallet’s use and transfer of information received from Google APIs to any other app will adhere to the Google API Services User Data Policy, including the Limited Use requirements.