Budget as a team
One fair plan, the same page. Bring harmony to your relationship and reach your goals together. Start your free trial today
One calm month, together
Here is how a month feels when you both work on the same plan
First day of the month
Open the same plan
Coffee first, money talk second, and it takes five minutes. You both see the month at a glance: needs, wants and savings, already in their place.
In your free time
Enjoy it, guilt-free
A park day, a lunch out, a spontaneous treat. When your wants have room in the plan, there is no guilt or stress.
Month after month
Watch your savings grow
A little lands in your funds every month. Small, steady and shared, until the thing you are saving for is simply there.
Awareness
Designed for maximum awareness
Know exactly where you stand this month, together.
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.
Savings
A new, powerful saving approach
Easy to plan, and it encourages spending on what truly matters.
Priority savings first
You don't need to predict every savings goal in advance. Identify the most important goals and set money aside for them at the beginning of the month.
Flexible savings at month end
The remaining savings are allocated proportionally at the end of the month, so your plan adapts to your actual spending. The more you have left over, the larger the contribution to goals like your Vacation fund.
Funds
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.
Security & privacy
Your data stays yours
Monnetta is built so that your financial data stays safe by design.
No bank sync. By design.
Bank sync means handing your login to a third-party aggregator that keeps a live feed of every purchase you make. Monnetta has no such link, so there is no bank access to hijack and no transaction history to leak. You decide what goes in.
You own your data, always
Export your data anytime, or delete your profile and have everything removed from our servers within seconds. No hoops, no waiting, no questions asked.
GDPR compliant, SSL & encryption
Monnetta is GDPR compliant, your data travels over SSL and is encrypted. Privacy-friendly analytics only, never used to profile you. Read our privacy policy.
One plan · Two partners · One price
Simple, fair pricing
Start with a 7-day free trial, cancel anytime. One subscription covers you, your partner and up to 5 people in total, so nobody pays extra to join the plan.
For up to 5 people.
Subscribe via Apple or Google.
Best value: save 32% (about €4.17 a month). For up to 5 people.
Subscribe via Apple or Google.
How we compare
Most budgeting apps are built for one person. Here is how Monnetta compares with some well-known brands.
| App | Monnetta | YNAB | Monarch | Quicken Simplifi |
|---|---|---|---|---|
| Approach | Balance, fairness, communication | Zero-based | Dashboard & net worth | Spending plan |
| Built for | Couples & families | One budgeter | Shared household | Solo |
| Designed around two people | From day one | Shared seat | Shared seat | – |
| Works outside US/CA | Partial | Partial | – | |
| Bank connection | None, by design (more secure) | Optional | Core feature (US/CA only) | Core feature (US only) |
| Works offline | Limited | – | – | |
| Investment & net worth tracking | – | – | Basic | |
| Monthly price | €5.99 | ~$14.99 | ~$14.99 | Annual only |
| Annual price | €49.99 | ~$109 | ~$100 | ~$48–72 |
Competitor pricing and features as listed on their sites, July 2026. Competitor prices are in USD, Monnetta's in EUR; your local App Store price may differ.
What's included
Everything you need, and nothing more
Proactive communication
Tag a transaction or category to start a conversation, or use the in-app chat to communicate about money.
Fair and balanced
Built on the 50/30/20 rule and pay-yourself-first, so needs, wants and savings each get a fair share.
Simple for both of you
Easy to pick up, even if one of you isn’t into budgeting. Most entries take about 3 seconds, and setup takes around 5 minutes.
Custom categories
Tailor your budget with categories that reflect your lifestyle and goals.
Offline access
Plan and track even when flying or without internet - syncs when you’re back online.
Ad-free experience
Stay focused on your goals without distractions. No ads, ever!
Sometimes, all it takes is the first step.
Three calm steps from the store to your shared plan.
Step 1
Take it from the store
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. Grab a tea, sit down together and make it yours.
Step 3
You two are set
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.
Ready to team up on your money?
Try it free for 7 days. Set up your shared plan together in about 5 minutes and bring more harmony to your relationship.
Our story
In 2015, we started living together as a young working couple. We were fortunate to earn well and indulge in a vibrant social life filled with activities and memories. However, it was costly. Traveling, restaurants, adventures. Despite our high income compared to our region, we found ourselves falling short of saving as much as we desired.
Travel to Prague, 2015Read the full story
We wanted to manage our money better. We got into the FIRE movement, which stands for Financial Independence, Retire Early, and other ideas that encourage retiring early. This turned out to be a mistake for us. We focused too much on achieving financial freedom, which made us feel lonely and caused us to ignore our personal relationships. We turned down many short trips, restaurant invites, and even lost contact with some of our friends. Neither of our extreme financial decisions felt right for us.
Google Sheets from 2018Furthermore, 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. 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.
It became pretty obvious that we needed to find a balance. Could we keep growing our savings while still having enough to live comfortably? That’s when we found 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).
The Khan Academy Video
As our plan took shape, we faced the daunting reality of adapting to a higher lifestyle where 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%.
After several years of budgeting, we discovered our balance at 40/30/30. This approach allowed us to spend guilt-free while adhering to our guidelines, making budgeting feel like a lifestyle rather than a strict diet.
To make sure we’re both on the same page financially and to help us stick to our 40/30/30 balance, we’ve created Monnetta.
Available on iOS and Android since 2025We’ve been dedicated to delivering for years, and we’re committed to keeping up the good work. We’re not just building the app, but also anything that can help couples manage their finances more smoothly and with less stress.
Today, Monnetta is a project for couples everywhere, guiding them toward financial balance and helping them build their savings over time.
It’s so inspiring to hear about Monnetta’s work with couples. We hope it’s helpful to you as well!
— Yanko & Rali 💙
FAQs
Frequently asked questions
Quick answers, in plain words.
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.
Should I connect to a bank?
No. Monnetta is designed without bank connections because we believe they are not necessary for managing your money well. This approach keeps your financial data more secure, avoids potential syncing issues, and allows us to focus on building a simpler and more reliable experience.
Is my data safe, and is Monnetta GDPR compliant?
Monnetta never connects to your bank, so your bank credentials and transaction feeds are never exposed. Monnetta is GDPR compliant, and your data is protected with SSL and encryption. You own your data: export it anytime, or delete your profile and have it removed from our servers within seconds. See our privacy policy for details.
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.
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