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.
Get Early AccessBe one of the first to try XYMONY.
You check your bank balance. You check GCash.
Then you remember there's a bill due. Maybe you're saving for something, too.
That's where XYMONY comes in.
You check your bank balance. You check GCash.
You remember a bill is due, and you're trying to save.
"Okay… but how much can I actually spend?"
That's the number that matters.
If you've ever asked "Pwede pa ba?" — XYMONY was built for you.
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.
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.
From your goals to your budget and daily transactions, XYMONY keeps your money organized and easy to see.
Set savings goals and see how close you are, one step at a time.
See your budget, progress, and which categories need attention.
See your Safe to Spend, income, expenses, and money right now in one clear 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 — and a few honest facts about how it works: you enter your own balances, nothing requires connecting your bank account, and everything stays tied to your account and synced across your devices.
— Mitch, Founder, XYMONY
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.
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