Log in seconds
Expenses and income
Log movements with category, date and payment method. Filters, search and monthly stats.
Your money, under control.
Track your expenses and personal finances from your phone
Expenses, income, budgets, savings goals and debts in a single app. Log in seconds, see where your money goes and share bills with anyone, in any currency.
- Free, no ads
- Works offline
- No tracking
- Multi-currency
In 20 seconds
From the group chat to clear accounts
This is a trip with Minkay: everyone logs, the app splits, you settle up in a few payments and every currency stays separate.
How it works
Ready in three steps, no spreadsheets
From the notebook or Excel to your phone in under five minutes.
1Create your account
Sign in with email, Google or Apple, pick your main currency and your categories.
2Log what you spend
Add each expense or income in seconds, with category, payment method and any currency.
3See the result and settle up
A global report per currency shows what you owe and what you're owed, group by group.
Features
Everything to track your spending, module by module
Each module solves a real everyday problem: from the small expenses you never notice to the debt you forget to collect.
Cap alerts
Budgets and limits
Set a monthly cap per category and find out before you overspend, not after.
Visible progress
Savings goals
Set a target, add contributions and see how much is left for that trip or big purchase.
Receivables up to date
Loans and debts
Track what you lent or borrowed, with installments, collections and history per person.
Automatic
Recurring expenses
Subscriptions, rent, utilities: logged automatically every week, month or year, with a heads-up before the charge.
PDF and link
Reports
Spending by category, monthly trend and balance per currency. Export to PDF or share a link.
Groups and trips
Shared expenses
Create groups for trips, the flat or a night out and split bills equally, by amounts or percentages.
S/, USD, EUR and more
True multi-currency
Log in any currency. Minkay groups and settles per currency, without forcing conversions.
Control per account
Cards and payment methods
Link each expense to your card or account to know what you paid with and how much goes on each.
Who it's for
Split expenses for trips, roommates and friends
Solo, as a couple or in a group: Minkay adapts and everyone sees their share.
Multi-currency
Trips
Expenses in several currencies, settled when you get back, no spreadsheets.
Recurring
Roommates
Rent, power and internet as recurring bills, split without arguments.
Goals
Couples
Shared expenses and savings goals together.
Clear debts
Friends
Nights out and gifts: who paid, who owes and how much.
Free
Your money
Income, expenses, budgets and cards in one place.
Gamification
Saving earns points too
Minkay turns good habits into visible progress: weekly missions, achievements for milestones and a streak that rewards logging every day.
Missions
Short challenges that guide your first steps and reinforce the habit of logging.
Log 5 expenses
+30 XP3/5Contribute to a goal 3 times
+40 XP2/3Close the month within budget
Done1/1
Achievements
Bronze, silver and gold for your milestones: first expense, 100 movements, first goal reached.
First expense
Bronze
100 movements
Silver
Green month
Silver
Goal reached
Gold
Streak
Every day you log a movement adds to your streak. Milestones at 3, 7, 14 and 30 days.
5
5 days in a row
SS
Level
Every expense, contribution or settled debt earns XP. Level up and compete with friends in the ranking (optional).
Level 7 · Saver680 / 1000 XP
The app
Designed to log in the moment, not later
What matters first, big buttons and everything works without signal: the app saves on your phone and syncs when you are back online.
- Light and dark mode, in Spanish and English.
- Data stored on your device and backed up in the cloud.
- The same account on your phone and the web dashboard.
- Reports and balances ready to share on WhatsApp.
Screenshots
See it in action
The real app screens, just as they appear on the App Store and Google Play.
Your balance per currency
No currency conversion, plus the best card to pay with today.
Split expenses with your group
Trips, shared flats and nights out in any currency.
Settle up in fewer payments
Group debts, simplified.
Know what you are owed
All your groups in one global report.
Download
Download Minkay free on Android and iOS
Available on Google Play and the App Store. Sign in with email, Google or Apple and get your finances in order in minutes.
No credit card. No ads, no tracking. Optional plan with extras.
FAQ
Frequently asked questions about Minkay
- Yes. The core features are free and ad-free. There is an optional plan with extras for those who want more.
- Yes. You log without a connection and it syncs when the signal is back.
- Yes. Minkay groups balances and debts per currency, without forcing conversions. The exchange rate screen is informational only.
- Yes. Log your expenses and income in soles (S/) with category and payment method, set a monthly budget and see where your money goes. When you travel, add dollars or any other currency without mixing the totals.
- Yes. Split travel and group expenses equally, by amount or by percentage, simplify debts and settle them per currency. And manage your personal finances in the same app.
- No. You can add them as participants without an account and, when they sign up with the same email, they are linked to their history automatically.
- Yes. Sign in with the same account as the app to see your summary, goals and groups from the browser.
- From the app in Profile > Delete account, or by writing to us. The steps are on the privacy choices page.
Demo
Book a demo
We show you Minkay live and see together how it fits your trips, your group or your finances.
- 30 minutes, at a time you choose
- On Google Meet: the link lands in your inbox
- We answer your questions and look at your case
Google Calendar opens in a new tab.
Contact
Minkay is a free app to split expenses and manage your personal finances in Peru and Latin America: multi-currency travel expenses, bills between roommates, couples and friends, budgets, savings goals, credit cards and PDF reports. It works offline on Android and iOS.