Budgets that fill as you spend
Set a limit for each expense and watch its bar fill as you spend. Open one to see its last six months: what you paid, and what’s still pending.
A clearer way to manage money, together.
Track spending, plan the month, and share only the wallets you choose. No bank login required.
Coming soon to the App Store
See how Monly works
Free to download. Optional Pro upgrade.
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Your month, understood.
Monly opens on what decides your month: what came in, what went out, what’s due next and how every budget is doing.
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Every invite is a single-use link for one person, and it expires after a week.
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It’s saved on his phone first and sent right away when he’s online, or the next time he opens Monly with a connection.
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Shared wallets catch up whenever someone opens the app, so everyone works from the same expenses, budgets and bills.
- Roles that match real life
- The Owner manages members and every part of the wallet. Editors add and edit expenses, budgets and bills. Viewers see everything but can’t change the shared wallet. People join as Editors, and the owner can change anyone’s role.
- Up to six people
- A couple, a family, a flat of housemates: each shared wallet holds up to six members, including you.
- Works offline
- Add and edit expenses without a connection. Your changes are sent the next time you open Monly online. Sharing, invites and joining need a connection.
- Everyone keeps a copy
- If sharing ends, each member keeps their own copy of the wallet on their phone. Balances, reserves and plans always stay on each person’s own phone.
Sharing your own wallet is part of Monly Pro. The people you invite join for free, with Sign in with Apple.
Insights
See what changed, and why.
A financial health score, cash flow and where every dollar goes by category, worked out from the expenses, bills and budgets you already track.
- One score, four pillars
- Savings, budgets, subscriptions and bills each feed a single health score from 0 to 100.
- Cash flow against last month
- See what’s left after spending, and how it compares with the month before.
- Where every dollar goes
- Spending by category, a six-month trend and the biggest changes against last month.
- Rules you can live by
- Group categories into shares like Essentials 55% and Future me 20%, and watch the month track against them.
September at a glance
- Financial Health
- 85/100Excellent
- Income
- $5,850
- Expenses
- $4,121
- Net this month
- $1,729+$770 vs last month
This month by category
Current expenses $4,718.49
- Home & bills
- 56%
- Food
- 19%
- Transport
- 16%
- Lifestyle
- 6%
- Subscriptions
- 3%
The health score, cash flow, categories and spending trend are free. Monly Pro adds the full list of biggest changes.
Ask & plan
Say it once. Monly handles it.
Monly’s AI works from your own numbers. Tell it what happened or what you want changed, in plain words, and it does the bookkeeping. Clear, single entries are recorded right away with Undo; anything that reshapes several items waits for your OK.
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Set up
Add a subscription in one line
Say “Add my YouTube Premium subscription”. Monly asks only what it can’t know (here, the price), then creates the monthly budget under Subscriptions, with its due date and the days left. Edit and Undo sit right on the card.
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Log
Log a purchase, see what’s left
Type “Just paid $6.40 at Blue Bottle” and it’s recorded straight away in the right budget, Coffee, with Undo, next to how much of that budget you’ve used. Snap a receipt or import a PDF and Monly lists what it found for you to review first. Pay with Apple Pay? An optional Shortcuts automation logs it for you.
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Change
Several changes, one OK
Ask for a few things at once: “Raise Groceries to $700, lower Shopping to $220, and mark Phone and Internet as paid.” Monly proposes the whole set first, applies it when you tap Apply, and keeps a single Undo all.
The assistant and receipt scanning are free within a daily and monthly AI allowance; Monly Pro makes it much larger. How your data is handled
AI answers, plans and receipt readings can be wrong or incomplete, so check them before relying on them. Monly is a budgeting tool, not financial advice.
Every week
The weekly routine, handled.
Budgets, bills, subscriptions and balances: the four things worth a weekly look, each one a glance.
Bills that say when
Every bill shows how many days are left (or how long it’s overdue) in words, not just color. Automatic bills mark themselves paid; manual ones wait for your OK.
- Overdue5 days overdue
- Due soonLast day
- Coming up7 remaining days
Every subscription, by the month and by the year
Mark a bill as a subscription and see every one in one list, with what they cost each month and what that adds up to over a year.
$150.87 a month$1,810.44 a year
$1,810.44 a year$150.87 a month
10 active subscriptions
Move money between your own balances
Log a movement from your main account to a reserve, once or every month. It’s bookkeeping you do by hand: Monly never moves real money and never connects to your bank.
Monly Pro
Go deeper when your money gets more complex.
Monly is free to use. Monly Pro is one optional subscription for more wallets, sharing, unlimited goals and a much bigger AI allowance.
- Unlimited walletsHome, travel, a rental flat, each with its own budgets and currency, kept apart.
- Shared walletsPlan money with your partner or family. The people you invite join for free.
- Unlimited goalsEmergency fund, a trip, a paid-off card: track every goal side by side.
- AI plans and a plan coachMore plans, built around you, with guidance on what to do next.
| Feature | Free | Monly Pro |
|---|---|---|
| Wallets | 1 | Unlimited |
| Share your walletsJoining someone else’s wallet is free. | Not included | Included |
| Savings goals | 1 per wallet | Unlimited |
| Balances & cards | Main + 1 reserve | Unlimited + cards |
| AI plans | Your first plan | Unlimited plans + coach |
| Insights | Overview | Full list of changes |
| AI assistant | A daily allowance | Much larger allowance |
| Export & import | Not included | Included |
Always free: budgets, bills, subscriptions, the health score, and receipt scanning and Ask within the daily and monthly AI allowance.
How billing works
- Billed by Apple as an auto-renewing subscription. You choose a plan inside the app, where the price is shown in your currency before you pay.
- Eligible new subscribers can start the yearly plan with a 3-day free trial; it then renews at the yearly price unless you cancel at least 24 hours before the trial ends.
- Cancel any time in your Apple Account’s subscription settings. Cancelling never deletes anything you’ve created.
- Monly Pro covers your own Apple Account; Family Sharing isn’t available. People you share a wallet with join for free.
Coming soon to the App Store
Privacy
Private by default. Shared by choice.
Your wallets are stored on your iPhone. Only a wallet you deliberately share is stored on our server, and only the people you invite can see it. AI features send data only when you use them.
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Your iPhone
Your wallets, expenses and budgets are stored here. No account needed.
Private wallets Never stored on our server.
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A wallet you share
Only that wallet is stored on our server, so its members can sync.
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People you invite
They see that one wallet, in the role you give them.
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AI features
When you use an AI feature, what it needs is sent through our AI gateway to Google’s Gemini API to answer you. With Monly Pro, opening Insights or a plan runs its analysis automatically. Not kept on our servers.
- No bank login. Ever.
- Monly never connects to your bank and never asks for bank credentials.
- Sign in with Apple, only to share
- You sign in only to share a wallet or join one, and Apple lets you hide your email.
- AI sends what the feature needs
- Your message, a receipt photo, or a summary of the wallet you’re using (budgets, recent transactions, bills, balances, goals and plans). Never used to profile you or for ads.
- No ad tracking
- No ads, no advertising identifiers, no data selling. The app sends pseudonymous usage events; this website loads nothing from third parties.
Is Monly free?
Yes. Monly is free to download and free to use, with a few limits: one wallet of your own, one savings goal per wallet, a main balance plus one reserve, and a daily and monthly AI allowance. Monly Pro is an optional subscription, billed by Apple, that removes the wallet, goal and reserve limits and gives you a much larger AI allowance. You see the exact price in the app before paying anything.
Which features require Monly Pro?
Sharing your own wallets, more than one wallet, unlimited goals, extra reserves and credit cards, new AI plans and the plan coach, the full list of biggest changes in Insights, the AI monthly review, export and import, and a much larger AI allowance. Budgets, bills, subscriptions, the health score, receipt scanning and Ask stay free.
Does Monly connect to my bank?
No. Monly never connects to your bank and never asks for bank credentials. You log expenses yourself, by typing, speaking or photographing a receipt, or automatically when you pay with Apple Pay, after a one-time Shortcuts setup. Balances are tracked by hand.
Can invited people see my other wallets?
No. Sharing is per wallet. An invitation gives access to that one wallet and nothing else.
What happens when sharing stops?
Everyone keeps their own copy as a private wallet, as it was when they last synced. Nothing is deleted from anyone’s phone; the wallet simply stops syncing. If you’d like its server copy deleted, email us.
Does Monly work offline?
Yes, for everyday use. You can add and edit expenses without a connection, in shared wallets too, and changes to a shared wallet are sent the next time you open Monly online. Sharing, joining, invites and AI features need a connection.
How does Monly’s AI use my data?
AI features are optional. When you use one (the assistant, receipt scanning, typed or spoken entries, plans and the plan coach, insights, monthly reviews, or Apple Pay categorisation), Monly sends what that feature needs through our AI gateway to Google’s Gemini API: for example your message, a receipt photo, or a summary of the wallet you’re using (budgets, recent transactions, bills, balances, goals and plans). With Monly Pro, opening Insights or a plan runs its analysis automatically. We don’t keep those requests or answers on our servers, and they’re never used to profile you or for ads.
How do I cancel or restore a subscription?
Monly Pro is managed by Apple: cancel any time in your Apple Account’s subscription settings, at least 24 hours before the period ends. To restore a purchase on a new device, open any Monly Pro feature and tap “Restore purchases” at the bottom of the Monly Pro screen, signed in with the same Apple Account.
How do I export or delete my data?
“Export All Data”, in your profile under Data Management, saves a backup file and is part of Monly Pro. Private wallets are stored only on your phone, so deleting the app deletes them. To delete your Sign in with Apple account and any shared-wallet data from our server, email us.
Make this month make sense.
Budget on your own, or with the people you share money with.
Coming soon to the App Store
For iPhone · Requires iOS 18.6 or later · Free to download, with optional Monly Pro