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.
The Brink Labs
Your Money.
MyneWallet
Live on Google Play · Android
Your Money.
Your Device.
Nobody Else’s Business.
A budget planner and expense tracker that never asks for a bank login, never sends your ledger anywhere, and works with the phone in airplane mode. Not because it is offline-tolerant — because there is nowhere for it to phone.
0 trackers
0 ads
No sign-up
AES-256 backups
Free to use. One-time unlock for the full engine. No subscription, ever.
This monthSafe to spend
$412.80
Assigned$3,200 of $3,200
Obligations, next 30 days$1,148
Where this livesYour device only
The Short Version
Fourteen Facts, No Marketing.
- What it is
- MyneWallet is a private, offline-first budget planner and expense tracker for Android, published on Google Play by The Brink Labs.
- What it costs
- Free to download and free permanently for the core engine. PRO is a single one-time unlock — not a subscription, and it never renews.
- Free tier limits
- 3 accounts · 7 envelopes · 10 categories · 4 obligations, a 3-month rolling ledger and 1 month of analytics per section. Tags are unlimited.
- What PRO removes
- Every cap above, plus 12 months of analytics per section, full historical analysis, Net Worth Trends, the 30-Day Outlook, Cash Flow Sankey and Payee Intelligence.
- Where the data lives
- In an encrypted database inside your device's app sandbox. The Brink Labs runs no server that holds your financial data.
- Bank connection
- None. MyneWallet never requests bank credentials and uses no aggregation service. You enter transactions yourself.
- Account required
- None. There is no sign-up, no email and no password. The app opens ready to use.
- Trackers
- MyneWallet ships no advertising SDK, no attribution SDK and no analytics SDK. Firebase is not integrated.
- Offline capability
- Total. Every feature, including the full analysis engine, works with the device in airplane mode.
- When it uses the network
- Twice only, and both are your choice: an optional encrypted backup to your own Google Drive, and purchases through Google Play.
- Backup encryption
- AES-256 with a randomised initialisation vector, applied on-device before anything leaves the phone.
- Budgeting method
- Zero-based budgeting: every unit of income is assigned a job before it is spent, until the To Assign counter reads zero.
- Sync across devices
- None, deliberately. Sync implies a copy, and there is no copy of your ledger anywhere but your device.
- How the business earns
- From one-time PRO unlocks, and nothing else. No advertising inventory, no data brokerage, no recurring revenue.
The Three Ransoms
Most Money Apps Want 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 one payment and the app you fed for three years locks you out of your own history. That is not owning software. That is renting your own numbers.
The Attention
Ad interstitials, upsell modals, sync spinners. Every second between I spent money and it is logged is a second you will eventually stop spending. An untracked week is what actually breaks a budget.
Buy It Once. Log In Seconds. Keep Everything.
How It Works
Three Jobs.
Done Properly.
Most finance apps do many things adequately. This one does three things and holds itself to a standard on each.
01 — ALLOCATE
Every Cent Has A Job
Every dollar that lands gets a destination. Rent, groceries, the trip in March, the card you are digging out of. When To Assign reaches zero, every envelope on screen is a promise already funded.
- Auto Assign — fills the plan from a preset, then you argue with it.
- Safe to Spend — separates liquid cash from money already committed.
- Need, Want or Extra on every envelope, so the trade-off is visible.
- Credit cards modelled as liabilities, so debt never inflates a cash position.
To assignLive
$0.00
Take-home$3,200
Envelopes funded11 of 11
Savings rate18.4%
CaptureSeconds to log
2 taps
Network callsZero
Works in airplane modeEntirely
Accounts requiredNone
02 — CAPTURE
Logged Before You Put The Phone Down
A tracker only works if you open it. This one is engineered around one number: the seconds between spending and logging. Two taps for the common case, the full form when you want it, no network round-trip either way.
- Quick Add for the case that happens forty times a month.
- Unlimited tags layered over a capped category set.
- Multi-currency accounts at a rate you set yourself.
- CSV import that adopts your existing categories by materiality.
03 — ANALYSE
An Analysis Engine, Not A Pie Chart
Net Worth and Obligations in one place: what you own, what you owe, what is scheduled to leave, and where the balance lands in thirty days — computed from real obligations, never a hand-waved average.
- Spending heatmap with rhythm detection — the weekday that quietly costs the most.
- Cash Flow Sankey showing where income actually goes.
- Payee Intelligence — who you pay, how often, and how that is trending.
- 30-Day Outlook built from dated obligations, not a moving average.
Spending rhythmTen weeks
Heaviest weekdaySaturday
ComputedOn device
The Vault
A Breach Of Our Servers
Cannot Expose You.
We do not have any. Your ledger lives in an encrypted database inside your device’s app sandbox, and The Brink Labs operates no server that receives it. 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 possible.
Where your data isAll of it
On your device100%
On our servers0%
Shared with third parties0%
BackupsAES-256, your Drive
App LockFree, never gated
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.
3 accounts
7 envelopes
10 categories
4 obligations
3 mo ledger
1 mo analytics
∞ tags
- Zero-based budgeting with envelopes and Auto Assign
- Accounts, categories, tags and obligations
- Category, Nature, Tag and Heatmap analytics, one month at a time
- 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.
∞ accounts
∞ envelopes
∞ categories
∞ obligations
Full ledger
12 mo analytics
- Unlimited accounts, envelopes, categories and obligations
- Full historical ledger analysis, and twelve months of analytics in every section
- 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
Try The Method First
Six Instruments,
No Install Required.
The same architecture, running in your browser. Allocate a budget, price your subscriptions, find your runway or measure your net worth — without downloading anything or telling us who you are.
Open the instrumentsThe instruments6 live
01 · Zero-Based BudgetAllocate
02 · Subscription AuditStop the leaks
03 · Emergency FundBuild a floor
04 · Debt PayoffClear the debt
05 · True Hourly WagePrice your hours
06 · Net WorthMeasure the position
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.
How does MyneWallet make money if it does not sell my data?
From one-time PRO unlocks, and from nothing else. There is no advertising inventory, no data brokerage, no affiliate placement and no recurring revenue to protect, which is precisely why the app can afford to work entirely offline. A business model that depends on your attention or your ledger produces different software, and the difference is visible in every screen.
Do I need an account to use MyneWallet?
No. There is no sign-up, no email address and no password. You open the app and start budgeting. An account exists to identify you to a server, and there is no server here to be identified to — the only optional Google sign-in is for backing up an already-encrypted file to your own Google Drive.
What are the limits of the free version of MyneWallet?
The free tier allows 3 active accounts, 7 active envelopes, 10 active budget categories and 4 active obligations, with a 3-month rolling ledger and 1 month of analytics in each of the Category, Nature, Tag and Heatmap sections. Tags are unlimited, nothing is time-limited, and there are no advertisements. The one-time PRO unlock removes every one of those caps and extends analytics to 12 months per section alongside full historical ledger analysis.
Is there an iPhone version of MyneWallet?
Not currently. MyneWallet is an Android application distributed through Google Play, and there is no iOS release, no web application and no desktop client at this time.
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.
| Purpose of the app | An offline-first personal finance engine: track expenses, run zero-based budgets, monitor net worth and obligations, all on the device. |
|---|---|
| Scope requested | Google Drive API, via OAuth. |
| Used for | Backing up and restoring your own encrypted ledger to your own Drive. Nothing else. |
| Never used for | Reading, aggregating, profiling or transmitting your data to any third-party server. |
| Servers holding your data | None. The Brink Labs operates no such 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.