Couple's Finance Kickstart
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Build a Budget
That You and Your Partner
Will Stick To
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Shared finances are powerful
They're also where most of the tension lives 😬
You stop guessing, you start deciding together
One shared plan. Both of you know what's coming in, what's going out, and what's left. No more "did you check the account?" conversations.
Your budget bends with your life
New baby, new city, one income for a while. Monnetta helps adjust your plan without drama. The plan adapts with you instead of breaking.
You spend freely on what matters, without the guilt
When you know you're on track, you stop hesitating. That dinner out, that trip — you either do it or you don't. But you decide, you don't just worry.
Designed for maximum AWARENESS
Know exactly how you're doing this month with your want expenses
See your planned amount, the guideline, what you've spent so far, and how many days are left at a glance. Fully aware in real time.
NEW POWERFUL
saving approach
A savings approach that's easy to plan and encourages spending on what truly matters
With Monnetta's Priority and Flexible Savings, you don't need to predict every savings goal in advance. Instead, you identify the most important goals and set money aside for them at the beginning of the month.
The remaining savings you allocate proportionally at the end of the month. This means your plan adapts to your actual spending. For example, the more money you have left over, the larger the contribution to goals like your Vacation fund.
Your money, organized into purpose-built pockets
Every fund has a goal and a progress bar
From emergency fund to vacation to a new car, each pocket tracks its own balance and shows exactly how close you are to your goal.
Cover an expense from a fund, keep your budget clean
Covering an expense from savings takes two taps. Your monthly budget stays untouched and the expense still shows up in your history exactly where it should.
Watch your total wealth grow
Your combined funds balance is always visible at the top. Month after month, consistent saving compounds into something meaningful.
How it works
See Monnetta in Action
ONE COUPLE 💑 - One PRICE 🏷️
Pricing
It's simple! 1-week free trial, then €7.99 month or €59.99 year (equivalent to €4.99 month) for up to 5 people
Start with one week free trial. Cancel anytime.
For up to 5 people 👫
Subscribe via Apple or Google.
For up to 5 people 👫
Subscribe via Apple or Google.
What's Included?
Everything you need to take control of your money.
Ad-Free Experience
Stay focused on your goals without distractions. No ads, ever!
Shared Budgeting
Easily manage finances with your partner or family, together in one place.
Offline Access
Plan and track even when flying or without internet - syncs when you’re back online.
Custom Categories
Tailor your budget with categories that reflect your lifestyle and goals.
Quick Transaction Input
Built for awareness - not friction. Most entries take just 3 seconds to enter.
Proven Budgeting Methods
Combines time-tested, 50/30/20, and pay-yourself-first approaches. All in one simple app.
Easy Onboarding
Get set up in minutes with a streightforward guide designed for clarity.
Add Family for Free
Bring up to 5 family members into your budget at no extra charge.
Sometimes, all it takes is the first step.
Step 1: Download & Install
On Android or iOS, we’ve got you covered. Try it free for the first week. Cancel anytime. You’ll also get an email reminder one week before your trial ends - no surprises.
Step 2: Set Up Your Plan
With a clear, step-by-step onboarding guide, you’ll be set up in about 5 minutes. No confusion, just a simple start toward better money management.
Step 3: Ready!
You now have a full overview of your finances at your fingertips. Try to stick to the plan, but don’t worry if you miss a target or if your targets seem too far from guidelines. You’ll adapt and improve the following months.
First Step Starts Here
Get it on your preferred platform and experience it risk-free for one week. You'll be in control long before the trial period is over.
Still not sure?
Discover if our solution aligns with your vison. Let's start with who is not for...
Monnetta may not be ideal for you if you’re looking for...
If you want a tool that manages everything on behalf of you.
If you believe that tracking past expenses alone is enough to achieve your financial goals.
We’re committed to delivering top-tier service and that means investing in the right people. If you believe excellence comes without cost, this app might not align with your expectations.
Try Monnetta if you’re looking for...
The 50/30/20 method is proved to be one of the simplest way to start budgeting effectively. Monnetta helps you stay within the guidelines for strong and balanced finances.
Balanced finances mean freedom. When wants stay under 30% of income, you can take new opportunities with confidence. Living fully today while steadily progressing toward long-term goals.
Say no to blind autopilot budgeting. Be in the driver’s seat of your finances so no tool decides for you. They’re there to simply assist you to be more productive and financially stress-free.
With quick inputs and daily rhythm, Monnetta boosts awareness and control.
Monnetta is for people who want to move forward, not just look back. You make a plan and track against it.
Shared budgeting can be tricky. Monnetta makes it simple and there’s no extra cost for family members.
Whether abroad or on a plane, Monnetta works offline. Your plan is always in your pocket.
Create your own categories and subscriptions. So everything is organized the way you want.
We’re committed to ongoing development and innovation. With a clear roadmap ahead, our mission is to make the app more effective and valuable for you. Continuous learning and improvement are at the core of what we do.
Founder's Story
In 2015, we embarked on a journey of living together as a young working couple. We were fortunate to earn well and indulge in a vibrant social life filled with activities and creating cherished memories. However, despite our high income compared to our region, we found ourselves falling short of saving as much as we desired.
Travel to Prague, 2025Determined to take control of our finances, we delved into the world of FIRE (Financial Independence, Retire Early) and other movements that advocated for early retirement. This decision, however, proved to be a misstep. We embarked on a relentless pursuit of financial freedom, leading to a sense of isolation and neglect of our personal relationships. We declined numerous short trips, restaurant invitations, and even lost touch with friends. Neither extreme of our financial choices resonated with us.
Google Sheets from 2018As we grew older, we came to a profound realization: the moments we create with our loved ones don’t wait for us. Our family, our children, and the younger versions of our closest friends are precious gifts that deserve our attention and investment. Sacrificing these connections for the sake of accumulating wealth in a savings account is not a sustainable or fulfilling path.
Furthermore, statistics indicate that as we age, we tend to feel more lonely. We don’t want to miss out on these precious moments while we still have them.
Now that we’ve got a better grasp of things, we’ve moved away from chasing financial perfection and started focusing on balance. That’s when we stumbled upon this Khan Academy tutorial about the 50/30/20 framework. We didn’t use it as a strict rule, but as a helpful guide to finding balance in our budget. This simple structure gave us a clear framework for our budget and life, making sure everything had its place: saving at least 20% of our income, covering our essential expenses, and still having room for what really makes life enjoyable (up to 30% of our wants).
As our plan took shape, we faced the daunting reality of adapting to a higher lifestyle where our needs surpassed 50%. Initially, our needs were at 60%, leaving us with 20% for wants and the remaining 20% for savings. By utilizing our savings to reduce our essential expenses, we managed to gradually bring our needs below 50%. Eventually, we discovered that our balance is rather 40% for needs, 30% for wants, and 30% for savings.
For the first time, we found a financial plan that aligned with our budget and values, free from the constraints of extreme measures. Gradually, budgeting transformed from a restrictive “diet” into a sustainable lifestyle.
To ensure that we could effortlessly manage our finances and maintain this balance, we created Monnetta.
Available on iOS and Android since 2025We’ve been diligently working for years to deliver, and we’ll continue to do so.
Today, Monnetta is a fantastic resource for couples everywhere, guiding them toward financial balance and helping them build their savings over time.
It’s truly inspiring to hear about Monnetta’s work with other couples, helping them find their balance and enhance their lives together. We hope it helps you too!
— Yanko & Rali 💙
FAQs
Frequently Asked Questions
Dive into the following questions to gain insights into the powerful features that Monnetta offers
How do I get started?
To get started, download the app and complete the onboarding steps.
Can I add my own categories?
Yes, absolutely! You can add as many categories as you like, but we recommend keeping it simple.
How many people can I add from my family?
You can add up to 5 people to a family budget.
How does the "Pay Yourself First" feature work?
In Monnetta, "Pay Yourself First" is called "Priority Savings". These are treated with the highest priority, before other expenses.
What if I receive my salary in the middle of the month?
In that case, you’ll need buffer money - enough to cover your expenses (ideally double) until your salary arrives. This ensures you can plan for the entire month, regardless of when you get paid.
Are there subcategories?
Yes and no. You can add a sub-item under a category, but it functions more like a recurring transaction, such as a fitness subscription, Netflix, or utility bills. Even if the amount varies slightly, it helps with monthly budgeting predictions.