# Monnetta

> Personal finance app that helps couples manage their money, budgets, and savings together as a team.

## About

This file provides a structured overview of the documentation and content available on this site,
optimized for consumption by Large Language Models (LLMs) and AI assistants.

## Pages

- [Monnetta – Balanced Finances for Couples](https://monnetta.app)
  Monnetta is a shared budgeting app for couples and families built around the 50/30/20 rule. It costs €5.99/month or €49.99/year for up to 5 family members, works offline with no bank connection required, and is available on iOS and Android with a 7-day free trial.
- [Blog – Monnetta](https://monnetta.app/blog)
  Practical money tips for couples and families. Articles on the 50/30/20 budgeting method, saving strategies, sinking funds, and shared finances.
- [Save First, Then Start Spending – Pay Yourself First Method](https://monnetta.app/pay-yourself-first-method)
  A complete guide to the Pay Yourself First budgeting method. Learn how to automatically set aside savings before spending, and how it combines with the 50/30/20 rule to build wealth faster.
- [Sinking Funds – Your Budget's Superpower](https://monnetta.app/sinking-funds-your-budget-super-power)
  Sinking funds are dedicated savings buckets for predictable irregular expenses — car insurance, holidays, home repairs. By setting aside small amounts monthly, you eliminate financial surprises and keep your main budget clean.
- [The Real Reason Couples Are Still Surprised by Their Spending](https://monnetta.app/the-reason-couples-are-still-surprised-by-their-spendings)
  Most couples track spending at month-end, by which point surprises are unavoidable. This article explains how shifting to daily awareness — logging expenses as they happen — eliminates end-of-month financial shocks.
- [Why a Buffer Fund Is Essential for Your Finances](https://monnetta.app/what-is-buffer-fund)
  A buffer fund is a cash reserve of 1–2 months of expenses held in your main account. It lets you plan a full monthly budget even when your salary arrives mid-month, and absorbs timing mismatches between income and bills.
- [Couple's Finance Kickstart – Free 6-Day Email Series](https://monnetta.app/newsletter)
  A free 6-day email course that teaches couples how to build a shared budget they will both stick to. One email per day, 10 minutes each. Covers income alignment, the 50/30/20 method, savings goals, and how to start together.
- [Monnetta Affiliate Program](https://monnetta.app/affiliate)
  Earn a commission by referring couples to Monnetta. The affiliate program offers a revenue share for each paying subscriber referred through your unique link.
- [Latest Updates – Monnetta](https://monnetta.app/updates)
  Release notes and changelog for the Monnetta app. See new features, improvements, and fixes shipped to iOS and Android.
- [Affiliate Program — Monnetta Monnetta](https://monnetta.app/affiliate)
- [Monnetta Affiliate Program - Terms & Conditions Monnetta](https://monnetta.app/affiliate-terms)
- [Blog – Monnetta Monnetta](https://monnetta.app/blog)
- [Category 'Guide' Monnetta](https://monnetta.app/category/guide)
- [Category 'Insights' Monnetta](https://monnetta.app/category/insights)
- [Cookie Policy Monnetta](https://monnetta.app/cookie-policy)
- [Content Manager](https://monnetta.app/decapcms)
- [End User License Agreement Monnetta](https://monnetta.app/eula)
- [End User License Agreement Monnetta](https://monnetta.app/eula-one)
- [Shared finances feel chaotic?](https://monnetta.app/get-your-shared-finances-in-order)
- [Monnetta – Balanced Finances for Couples](https://monnetta.app)
- [Monnetta for Couples - Never Fight About Money Again](https://monnetta.app/initiate-the-positive-change-in-your-shared-finances)
- [Accepted Invitation Monnetta](https://monnetta.app/invitation-accepted)
- [Failed to accept invitation Monnetta](https://monnetta.app/invitation-failed)
- [Monnetta - Links](https://monnetta.app/links)
- [Finally, a budget your partner will stick to](https://monnetta.app/make-sure-that-money-work-in-your-relationship)
- [Monnetta for Couples - Never Fight About Money Again](https://monnetta.app/never-fight-about-money-again)
- [Newsletter Monnetta](https://monnetta.app/newsletter)
- [Save First Then You Can Start Spending Monnetta](https://monnetta.app/pay-yourself-first-method)
- [Privacy Policy Monnetta](https://monnetta.app/privacy)
- [Privacy Policy Monnetta](https://monnetta.app/privacy-one)
- [Monnetta - 3 Months Free for Couples](https://monnetta.app/promo/3months)
- [Monnetta - 6 Months Free for Couples](https://monnetta.app/promo/6-lucky-months)
- [Services Monnetta](https://monnetta.app/services)
- [Shared finances feel chaotic?](https://monnetta.app/shared-finances-feel-chaotic)
- [Sinking Funds - Your Budget’s Superpower Monnetta](https://monnetta.app/sinking-funds-your-budget-super-power)
- [Thank you for voting! Monnetta](https://monnetta.app/survey-could-not-build-the-log-expenses-habit)
- [Thank you for voting! Monnetta](https://monnetta.app/survey-looking-for-free-app)
- [Thank you for voting! Monnetta](https://monnetta.app/survey-missing-a-feature)
- [Thank you for voting! Monnetta](https://monnetta.app/survey-partner-did-not-follow-the-budget)
- [Thank you for voting! Monnetta](https://monnetta.app/survey-prefer-not-to-say)
- [Thank you for voting! Monnetta](https://monnetta.app/survey-prefer-one-time-payment)
- [Thank you for voting! Monnetta](https://monnetta.app/survey-test)
- [Thank you for voting! Monnetta](https://monnetta.app/survey-too-difficult-to-start)
- [Thank you for voting! Monnetta](https://monnetta.app/survey-too-expensive)
- [Posts by tag 'budget cycle' Monnetta](https://monnetta.app/tag/budget-cycle)
- [Posts by tag 'budgeting' Monnetta](https://monnetta.app/tag/budgeting)
- [Posts by tag 'budgeting for couples' Monnetta](https://monnetta.app/tag/budgeting-for-couples)
- [Posts by tag 'budgeting method' Monnetta](https://monnetta.app/tag/budgeting-method)
- [Posts by tag 'expenses' Monnetta](https://monnetta.app/tag/expenses)
- [Posts by tag 'Financial Planning' Monnetta](https://monnetta.app/tag/financial-planning)
- [Posts by tag 'insights' Monnetta](https://monnetta.app/tag/insights)
- [Posts by tag 'Irregular Expenses' Monnetta](https://monnetta.app/tag/irregular-expenses)
- [Posts by tag 'planning' Monnetta](https://monnetta.app/tag/planning)
- [Posts by tag 'Saving Strategy' Monnetta](https://monnetta.app/tag/saving-strategy)
- [Posts by tag 'Sinking Funds' Monnetta](https://monnetta.app/tag/sinking-funds)
- [Posts by tag 'tip' Monnetta](https://monnetta.app/tag/tip)
- [Posts by tag 'tracking' Monnetta](https://monnetta.app/tag/tracking)
- [Terms and Conditions Monnetta](https://monnetta.app/terms)
- [Terms and Conditions Monnetta](https://monnetta.app/terms-one)
- [The Real Reason Couples Are Still Surprised by Their Spending Monnetta](https://monnetta.app/the-reason-couples-are-still-surprised-by-their-spendings)
- [Latest Updates Monnetta](https://monnetta.app/updates)
- [Why a Buffer Fund Is Essential for Your Finances Monnetta](https://monnetta.app/what-is-buffer-fund)

## Quick Links

- Full Documentation: https://monnetta.app/llms-full.txt
- Documentation Manifest: https://monnetta.app/docs.json
- AI-Optimized Index: https://monnetta.app/ai-index.json
- Sitemap: https://monnetta.app/sitemap.xml

## For LLMs

To get the complete documentation in a single file, request:
https://monnetta.app/llms-full.txt

For structured access to individual pages with metadata:
https://monnetta.app/docs.json

For RAG (Retrieval Augmented Generation) systems:
https://monnetta.app/ai-index.json

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