Most partners don't have a money problem.
They have a shared plan problem.
You went from two incomes to one. It feels different
Parental leave, daycare, one partner stepping back. You knew it would change things financially, but not quite like this. Nobody's overspending on purpose. But there's no shared picture of where the money is going. That uncertainty quietly turns into tension.
Suddenly there are more and more expenses you never planned for
Diapers, formula, a bigger car, a bigger place. Then school. Then activities. The list keeps growing and the budget you thought you had doesn't quite exist anymore. It doesn't feel like a crisis — but it doesn't feel like control either.
You want to give your family a good life. But you're scared of overdoing it
A family trip, a nice dinner, something small for yourself. You hesitate every time because you don't actually know if you're okay. So you hold back and feel guilty either way — whether you spend or you don't. That's not responsibility. That's just anxiety.
All it takes is a shared plan you both keep an eye on.
Here's how Monnetta fixes that
Plan your month together before it starts
You and your partner sit down and set the plan for the month. You agree on your spending targets, what you're saving for, and what's okay to enjoy. It takes minutes. And it replaces a hundred small arguments before they happen.
Gives your money a structure that makes sense
Monnetta simplifies your plan by dividing it into three sections: Needs, Wants, and Savings, then suggests the 50/30/20 guidelines as a target. No judgment. The goal is a balanced plan that gives you room to live today while still steadily growing your savings.
Helps you build the most important habit in budgeting
Monnetta has one of the fastest expense entry systems around, with full offline support.
This small habit is often overlooked by other budgeting apps. Yet it's the single most powerful thing you can do for your finances. It keeps you aware of where your money is going in real time, helps you understand your spending patterns, and stops overspending before it happens.
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
We tried both extremes. First, we spent freely and saved almost nothing. Then we swung the other way — cutting everything, optimizing obsessively. That didn't feel right either.
Because the older you get, the more you realize: the moments you can still create with the people you love don't wait. Your family, your kids, the younger version of the people closest to you. Those windows don't stay open forever. Sacrificing all of them for a number in a savings account isn't a plan. It's just a different kind of anxiety.
So we built our budget around the 50/30/20 framework. Not as a rule, but as a structure. It gave us a guaranteed slice for wants, somewhere between 0 and 30%, so when something meaningful came up we could say yes without guilt. And our savings kept growing at the same time. Now budgeting feels more like a lifestyle and less like a diet.
When we first started using the system that became Monnetta, our needs expenses were above 50%. A year later they were below 50%, savings above 20% and we still had room for life.
Monnetta is already helping a growing number of families manage their shared finances. Nothing would make us happier than knowing it helped yours too.
— Yanko & Rali
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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.