MonoList
Private lists. Clear tasks. No account required.
- Lists for shopping, errands and planning
- Notes and local reminders where you need them
- Free to use, with optional support
MonoBudgetThe budget app for your fixed costs, on iPhone and Android
Keep track of your income and recurring fixed costs and see right away what is really left each month.
No bank connection · No account · Your financial data stays on your device
The problem
Rent, fixed costs, income, and annual bills get messy fast. Most budgeting apps feel like overkill or make you re-enter the same recurring costs every month. And it is rarely clear how much is really left once the regular costs are covered.
The solution: MonoBudget
MonoBudget keeps your income, fixed costs, and annual bills in one clear place, and shows what recurs so nothing slips through. Sharing some costs with a partner or roommate? It can also show who pays for what and split them fairly. Your financial data stays on your device: no account, no MonoBudget server for your financial data, no ads.
See it in action
Built around you
Track your own income and expenses with clarity. That's the free core. Sharing a household? MonoBudget Pro adds a second person, so couples and roommates can see who pays for what.
Recurring costs without the follow-up work
Set up income and fixed costs once: monthly, quarterly, semi-annually, yearly, or on a custom interval of any number of days, weeks, months, or years. MonoBudget creates the matching entries automatically and can remind you before larger recurring payments.
Categories that make sense to you
Organize income and expenses with custom categories and colors. Sensible defaults help you get started; after that, you can shape everything around your own budget.
Insights that actually help
MonoBudget Pro shows key figures and breakdowns by category and person. The expense chart starts at zero and carries your income as a second line, with what has already happened kept apart from what is still forecast, so a month's bar length means what it looks like it means. In the dedicated Fair Split calculator, plan a 50/50, income-based, or custom adjustment for the current period, with a preview for next year. MonoBudget enters the monthly adjustment in your budget and shows who transfers how much to whom. The transfer itself is up to you, most easily as a recurring bank transfer. When something changes, update or remove the adjustment with a tap.
Try it without the app: the fair split calculatorWhat if things change?
A new job, a move, a loan paid off? The question is always what would be left each month. Copy your real figures into a scenario, adjust what the change would cost or bring in, and compare the result against today. Your real budget stays untouched.
Privacy first
By default, everything stays on your device: no account, no MonoBudget server for your financial data. You create exports yourself; automatic backups are optional, encrypted, and protected by your own passphrase.
Free forever, Pro when you want more
Free
- Track income and expenses for 1 person
- Custom categories and colors
- Recurring transactions (monthly to yearly, or custom)
- Manual data export and import, optionally passphrase-encrypted
- Optional Face ID / fingerprint / passcode app lock
- Color themes in light and dark, English and German
Pro
Pro
- A 2nd person
- Advanced analytics: KPIs, trends, distributions
- Scenarios: try a change out before you commit to it
- Fair Split with yearly preview and monthly adjustments
- Automatic encrypted backups
- Two extra color themes
Questions and answers
Can two of us use MonoBudget on two phones?
Not on the same budget at the same time. MonoBudget keeps everything on the device and syncs nothing, because syncing would need a server that knows your finances. You can export a backup and import it on the second phone so it shows the same state. That import replaces all data on the second phone, though, and changes made there do not flow back. So the best setup is one person keeping the budget, and the two of you looking at it together.
What happens when I switch phones?
With Pro, MonoBudget backs up your data automatically and encrypted: to iCloud Drive on iPhone, and on Android to a folder you choose, including one in a cloud app like Google Drive. On the new phone you restore the backup with your passphrase. Without Pro, export your data yourself beforehand and import the file on the new device. The guide covers both.
Why is there no bank connection?
It would need access to your account, usually through a third party that reads your transactions. Fixed costs do not need that: you enter rent, insurance or subscriptions once, and MonoBudget creates the entries every month by itself. That way nobody but you sees into your accounts.
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