Your balance doesn't tell the whole story. XYMONY brings your money, upcoming bills, savings, and spending together so you can see what's really available.
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Example numbers, for illustration.
That's the number that matters.
"Okay… but how much can I actually spend?"
They're not the point on their own. Together, they're what makes your Safe to Spend accurate.
See where your money lives.
See what's coming in.
Know where your money is going.
Know what's already waiting for your money.
Keep upcoming payments visible.
Keep money you're setting aside in view.
Your total balance isn't always the same as the money you actually have available for everyday spending. Safe to Spend takes your total money, then factors in this month's credit card payment, your bills, and what you've set aside for goals — so what's left is what's truly yours to spend.
Bank, GCash, Maya, cash, or whatever you use.
The commitments and savings you're already juggling.
Log what comes in and what goes out.
This is what it was all for.
If you've ever asked "Pwede pa ba?" — XYMONY was built for you.
See what you can actually spend.
Know what payments are coming.
Keep money you're setting aside in view.
I didn't build XYMONY because people need another expense tracker.
I built it because I wanted a simpler answer to one question:
"How much can I actually spend?"
No complicated spreadsheet. No accounting jargon. Just a clearer picture of my money.
— Mitch, Founder, XYMONY
A few plain facts about how XYMONY handles your money information.
You enter your own balances and transactions. XYMONY doesn't require linking your bank account to work.
Your information is kept associated with your XYMONY account, so it's there when you log back in.
Log in on your phone and your laptop with the same account, and your information syncs between them.
After your first login, you can set up a PIN so you don't have to type your email and password every time.
It's your total money, minus this month's credit card payment, your bills, and the money you've set aside for goals — so it reflects what's actually available, not just your raw balance.
No. You add your accounts and enter your balances and transactions yourself — bank, GCash, Maya, cash, or however you keep your money.
XYMONY is a web app that works on both your phone and computer. You can also add it to your phone's Home Screen, so it feels more like an app.
Yes. When you log in to the same account, your XYMONY data is synced across your devices.
No. After setting up your account, you can use your PIN for easier everyday access.
XYMONY is currently being built and tested. Join the waitlist to be notified when early access becomes available.
I'm still building and testing XYMONY. Join the waitlist and I'll let you know when it's ready.
Join the early-access list and be notified when XYMONY is ready.
Get Early Access