Every budgeting app wants an account and a copy of your financial history on their servers. eMony has no backend at all — your data lives in a local database on your phone. No signup, no sync, nothing leaves the device. It still does the real work: multi-account tracking, monthly budgets that warn you at 80% before you blow past them, recurring transactions that log themselves, savings goals and reports. Plus fingerprint lock and local backup. No AI, no cloud. That's the point.