Oneby2 is an all-in-one expense tracker, budget planner and bill-splitter that runs entirely on your phone. No bank login. No account. Nothing leaves your device unless you choose to share it.
Free to download on Android. No account required to get started.
Built to be used daily, not set up once and abandoned.
Dedicated flows for expenses, income and transfers — multiple payment accounts on one entry, two-tier categories, and cross-currency transfers handled automatically.
Photograph a receipt for on-device text recognition, or turn on notification capture and let a bank or UPI alert draft the entry for you — nothing is ever uploaded.
Per-category budgets, or let Smart Budget apply a 50/30/20, 60% Solution or 70/20/10 framework automatically across what you already track.
Itemize a shared bill, settle up with friends, and send a link so the other person can confirm or dispute it — no install and no account needed on their end.
Hold accounts in different currencies, convert per-account, and compare remittance rates before sending money home — one home currency ties it all together.
Track mutual fund holdings priced daily off AMFI's official NAV file, rolled straight into one net worth figure alongside every account you hold.
Rent, EMIs and subscriptions post themselves on schedule, and a cash flow forecast flags the lowest your balance will dip before it happens.
EMI calculator, investment growth projector, debt payoff simulator, take-home salary calculator, emergency fund runway and an itemized bill splitter — all free.
No bank-account linking, ever. Your ledger lives in an encrypted database on your phone, with full CSV export and daily backup to a folder you choose.
You're logging real transactions inside a minute of opening the app.
Cash, bank, cards, wallets and investments — in as many currencies as you actually use. Nothing is linked or verified with a bank; you enter what you hold.
Quick Add, scan a receipt, or let notification capture draft it from a bank or UPI alert — you just confirm.
Budgets, reports, net worth and a forecast of what's coming — always on your phone, never in someone else's cloud.
No bank login, no ads reading your spend, nothing to sign up for — your ledger stays on your own phone.
Itemized splits, settle up, and a shareable link the other person can confirm with no install at all.
A second currency is free. Remittances get their own rate comparator so you know you're getting a fair deal.
Smart Budget frameworks turn "make a budget" from a spreadsheet chore into something the app does for you.
Nothing needed to log or budget day to day is ever locked — Pro buys depth and room to grow, not the ability to use the app.
🎁 Every new install starts with 90 days of Pro, free — no card, no signup. Pick a plan any time to keep it after.
No account, no trial clock, no card required.
Cancel anytime. Adds scale and depth on top of everything in Free.
A private, all-in-one personal finance tracker for Android — expenses, budgets, split bills, multi-currency accounts and investments, without ever asking for your bank login.
No, never, by design. You log transactions yourself — by hand, by scanning a receipt, or by turning on notification capture, which reads a bank or UPI alert on your phone and drafts the entry without ever asking for credentials.
It's stored only on your device in a database encrypted with a key held in the Android Keystore. There's no account and no cloud copy of your ledger — see the Privacy Policy for exactly what does and doesn't leave your phone.
Yes. Share any split expense as a link or QR code — the other person opens a plain web page to confirm or dispute it, with no install and no account needed on their end.
Yes — two currencies at once on the free tier, more with Pro, plus a remittance rate comparator if you send money across borders.
Yes. The free tier covers the entire day-to-day habit with generous limits — unlimited transactions always. Pro removes the scale limits and adds deeper reports, insights and automation. Every new install also gets 90 days of Pro free, no card required, so you can try the full thing before deciding.
Yes — manually entered mutual fund holdings are priced daily against AMFI's official public NAV file, and roll straight into your net worth figure.
Not yet — Oneby2 is Android-first. iOS is on the roadmap for later, see What's New for what's currently being built.
Free to download, with no account required to get started.
▶ Get it on Google Play