Track your budget, expenses and investments, and see your net worth as one number.
TidyWallet is a personal finance app for Android. It handles money in several currencies, on credit cards, and in crypto and metals. You don't connect a bank or create an account, and your records are stored only on your phone.
Spending is ahead of the month. At this rate you'd finish 438.00$ over.
When a balance can't be converted to your main currency, the app leaves it out of the total and lists it here so you know the total is incomplete.
Features
Twelve features and how each one works
Keep each account in its own currency.
Add bank, cash, credit card and asset accounts, each in the currency it was opened in. Totals are shown in your main currency along with the exchange rate used. If there's no rate for a currency, the app lists that balance separately and tells you it isn't in the total. Tap an account to see its balance over time, the money that came in and went out, and its transactions.
- Accounts in any currency. A credit card shows how much you owe and how much credit is left. You can also set a card to track only. Each purchase is then logged by category on the card, and only the payment from your bank counts as spending, so nothing is counted twice. The free plan includes one money account and one asset account.
- Crypto & metals. Record what you buy and sell, and prices update automatically. On both plans, the Portfolio tab lists every holding with its quantity and current value. The purchase cost and gain or loss of each holding are on the paid plan.
See whether your spending is on track for the month.
A marker compares how far through the month you are with how much of the budget you've spent, so you can see early when you're spending too fast.
- Budgets with pace. Set a limit per category by week, month or year, or for a one-off date range such as a holiday or a move. Unused money can roll over, and a short sentence tells you where you'll finish at your current rate.
- Analytics. The free plan shows this month's spending and the Categories tab for any month. The paid plan adds income and net, a running total compared with last month, twelve months side by side, any period you choose, and a comparison with the previous period. If a month has no records, the app says so.
Charts built from the transactions you enter.
Home shows your net worth as a line or as a bar for each period. You can drag along it to any day, and cash and assets are shown separately underneath. Each category's spending across the month is drawn in its own colour. Every chart uses only your own records.
- Charts only when there's data. Each chart is drawn from the records you entered. When a month has no records, its charts are hidden.
- Categories, two levels deep. A category can have subcategories, such as Transport and then Fuel, with no further levels. Parent categories can be collapsed to hide their subcategories, and duplicate categories can be merged into one.
- Calendar view. The transactions list can switch to a calendar that shows each day's net total. Amounts that don't fit are shortened, for example to 1.2k, and marked as shortened. Tap a day to see its transactions. The calendar and the list are built from the same records, so their totals always match.
Enter regular payments once and let the app repeat them.
Rent, salary and standing orders can run as recurring rules. Entries you type often can be saved as templates. Search covers your whole ledger, from the first entry onward.
- Recurring rules & templates. A standing order is added on its due date. You choose for each one whether it's posted straight away or waits for you to confirm it. A template fills in the form with one tap.
- Notifications. You get a notification when a standing order is due and when a budget goes over its limit. Each type has its own switch. Turning a notification off only stops the message, so the rent is still posted.
- Search across every year. Search covers notes, categories and account names, including the other account in a transfer. If nothing matches, the app tells you it found no results.
Lock the app and choose how your records are backed up.
There's no TidyWallet account and no server storing your records. Your ledger stays on your phone, opens with your fingerprint or face, and only leaves the phone as a file you choose to export or back up.
- App lock. An optional lock that opens with your fingerprint or face. It asks again after you've been away from the app for a minute. Opening the file picker doesn't count as leaving.
- Export, backup & restore. Export your records as CSV or PDF. Save a backup file, protected with a passphrase if you want. On the paid plan, back up to your own Google Drive, once or every day. You can restore from a backup file or from Google Drive on either plan.
How it works
Pick a main currency
You choose it once, the first time you open the app. All totals are shown in this currency, and each account can use any currency.
Add your accounts
Add bank, cash and credit card accounts from Home, and holdings from the Portfolio tab. Each account has its own currency and can start with an opening balance.
Record as you go
Record transactions as they happen. Budgets, categories, analytics and net worth are all calculated from them, so there's nothing to reconcile.
Plans
What the free plan includes and what the paid plan adds
The free plan has no time limit. It lets you record your spending and your holdings with one money account, one asset account and one budget. The paid plan removes those limits and adds the purchase cost and gain or loss of each holding, the full analytics, and a backup copy in your own Google Drive.
- One money account, one asset account, and one budget
- Transactions, transfers, categories, search, the calendar and the keypad in full
- The Categories tab for any month, and this month’s spending in Analytics
- Recurring rules, saved templates and their notices
- Record buys and sells, and see each holding’s quantity, live price, current value and price chart
- CSV and PDF export, and a backup file you keep
- App lock, light and dark themes, and no advertising of any kind
- Everything in Free, without the account and budget limits
- Cost basis, unrealised and realised gain, allocation, and each holding’s share of the portfolio
- Full analytics, including income and net, running totals compared with last month, twelve months side by side, any period, custom date ranges, and a comparison with the previous period
- Cloud backup of your ledger to your own Google Drive, by hand or every day. Restoring from Drive is free on both plans.
On the free plan you can still record purchases and sales, and the Portfolio shows every holding with its quantity, price and current value. The paid plan is sold monthly or yearly through Google Play, and either comes with a 7-day free trial for new subscribers. Google Drive backup is the only feature that sends your ledger off your device. It stays off until you turn it on, and the Privacy page lists exactly what it sends.
FAQ
Does it connect to my bank?
No. There's no bank connection or login. You enter transactions yourself, and you can export them as CSV, PDF or a backup file at any time.
What leaves the phone?
By default, only requests for public exchange rates and asset prices. The app uses Frankfurter for exchange rates, CoinGecko for crypto and gold-api.com for metals. Before those requests, it also reads a small file from this site that lists any of these services that are paused. None of them needs an account or API key, and none of the requests include your ledger. When you search for an asset to add, the text you type is sent to CoinGecko. The Privacy page has the details. The only exception is cloud backup, a paid feature that's off until you turn it on. It saves a copy of your ledger to your own Google Drive, and with automatic backup on it does this every day. TidyWallet has no server of its own.
Do I need to register for any API keys?
No. Exchange rates, crypto prices and metal prices work without an account or key. If you have a CoinGecko or metals.dev key, you can add it in Settings to get your own rate limit. The app works fully without one.
Can I change my main currency later?
Yes. Amounts recorded under the old main currency stay in that currency, and any total that can't include them tells you so.
How do I move to a new phone?
Make a backup on the old phone, move the file to the new phone, and restore it there. You can protect the backup with a passphrase or skip it. Without a passphrase, anyone who opens the file can read it. With one, the backup can't be opened if you lose the passphrase.
Is there a paid plan?
Yes. The free plan includes one money account, one asset account and one budget. You can record all your transactions and holdings and see this month's spending. The paid plan removes those limits and adds the purchase cost and gain or loss of your holdings, the full analytics, and cloud backup to Google Drive. The paid plan is sold monthly or yearly through Google Play, with a 7-day free trial for new subscribers. Neither plan shows ads.