My Money Life: Finance Planner
Personal finance & budget tracking made simple
My Money Life helps you take control of your finances. Track budgets, net worth, retirement projections, and Social Security estimates — all in one private, on-device app. Nothing you enter ever leaves your phone.
Data & Privacy
How is my data stored?
All your financial data is stored locally on your device only. Nothing is sent to any server — your data never leaves your phone.
How do I back up my data?
Go to Settings → Export Data to save a JSON file of all your data to your device.
How do I restore from a backup?
Go to Settings → Import Data and select your exported JSON file. Only sections present in the file are overwritten — everything else is left untouched.
I lost my data after reinstalling. Can I recover it?
Data is stored on-device only and cannot be recovered after uninstalling. Export a backup from Settings regularly, especially before switching devices.
Security
What is PIN lock?
You can set a 4-digit PIN in Settings → PIN Lock to require a PIN each time the app opens. To change or remove your PIN, visit the same screen.
How do I reset the app?
Go to Settings → Wipe All Data and type "wipe" to confirm. This permanently deletes all budgets, snapshots, retirement inputs, net worth data, and Social Security data.
Features
What does the KPI tab show?
The KPI tab is your financial dashboard — it shows a summary across all sections (Budget, Net Worth, Retirement, and Social Security) in one place so you can see the full picture at a glance.
What are Snapshots?
Snapshots let you save a point-in-time copy of your Budget, Net Worth, or Retirement plan. You can compare multiple snapshots side by side or load one to continue editing.
How does the Budget planner work?
Add your income and expense categories, set amounts, and view totals by month or year. Save snapshots to track how your budget changes over time.
How does Net Worth tracking work?
Add your assets (cash, investments, real estate, etc.) and liabilities (loans, credit cards, etc.) to see your net worth and debt ratio. Save snapshots to track your progress.
How does the Retirement calculator work?
Enter your age, salary, 401k balance, contribution rate, and employer match. The calculator projects your balance at retirement and models withdrawals through age 90 to show whether you're on track.
How do I use the Social Security estimator?
Enter your earnings history in the Social Security tab to estimate your monthly benefit at different claiming ages. You can push the result directly to the Retirement calculator with one tap.
Appearance
Can I use dark mode?
Yes. Go to Settings → Appearance and choose Light, Dark, or Automatic (follows your device setting).