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
The year was 2014 when we started living together. As a young working couple, we earned well and spent freely, saving only what was left — if anything. It felt easy. Until we had our first child.
So we decided to be more responsible.
And overcorrected. We cut everything and optimized every detail. It worked on paper, but it didn't feel right either. In reality, it felt heavy. Restricted. Like we were constantly saying "no" — not just to things, but to life itself.
The older we get, the more we realize: the moments we can create with the people we love don't wait. Our family, our kids, the younger versions of the people closest to us. Those windows don't stay open forever. Sacrificing all of them for a number in a savings account isn't a good plan. It's just a different kind of anxiety.
So we stopped chasing perfection and started looking for balance.
That's when we found the 50/30/20 framework — not as a strict rule, but as a guide. A simple structure that gave every part of life its place: securing our savings, covering our needs, and still leaving room for what makes life feel like… life.
For the first time, we had something that made sense for our budget, without extremes. Slowly, budgeting stopped feeling like a "diet" and started feeling like a lifestyle.
When we first started using the system, our needs were taking up over 60% of our monthly income. Having everything in one place finally gave us the big picture, so we focused extra savings on reducing our mortgage. When income grew, we didn't upgrade our lifestyle to match. About a year later, needs dropped under 50%. Savings were above 20%. And there was still space left for meaningful experiences, joy, and living.
That system became Monnetta, which we launched in 2025.
Today, it's helping couples and families around the world find their balance and steadily grow their savings. Nothing would make us happier than knowing it helped your family 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.