Money Manager Ex

Install MMEX on a secured offline machine.

Enable SQLCipher with a complex passphrase.

Manually import bank statements via encrypted USB.

Run local-only reports to monitor net worth growth.

Create accounts for each currency held.

Set up auto-update for exchange rates.

Enter transactions in local currency.

View consolidated reports in a single 'Base' currency for global net worth overview.

Add stock ticker symbols to the 'Stocks' section.

Record buy/sell transactions.

Link dividends directly to a checking account entry.

Monitor the 'Portfolio Value' report alongside the 'Budget' report.

Create 'Loan' accounts with interest rates and terms.

Schedule repeating monthly payments.

Use the 'Cash Flow Forecast' to predict debt-free dates based on current payment velocity.

Create a dedicated 'Business' database file.

Categorize entries by tax-deductible headers.

Attach digital receipts to every transaction.

Export the CSV at year-end for tax filing.

Place the .mmb database file in a shared Nextcloud folder.

Install MMEX on both spouses' computers.

Sync the folder locally on both machines.

Ensure file locking is respected to prevent database conflicts.

Use the 'Tags' feature to label all project-specific transactions.

Run a 'Transaction Filter' report by Tag.

Compare total tagged expenses against the project's allocated budget.