Never wait to payday agian with a "buffer fund"!

A buffer fund is like a credit amount equal to or greater than one month of your income, but without the risk of high interest rates. Once your salary arrives, the buffer is automatically refilled.

It acts as a financial safety net set aside to cover essential expenses when your income is delayed, irregular, or disrupted. In Monnetta, it helps you maintain consistency and control in your monthly planning, no matter when your salary comes in.

Why You Need a Buffer Fund?

Most people don’t get paid on the 1st. If your budget depends on your payday, it’s hard to stick to a monthly plan.

A buffer fund solves this by acting as a bridge—letting you start each month confidently, without waiting for your paycheck.

How It Works in Monnetta?

Monnetta builds budgets around full calendar months - from the 1st to the last day. If your income arrives later in the month, the buffer fund lets you start budgeting and spending from day one.

Example

Imagine you get paid $5,000 on the 20th of each month.
Instead of waiting, you already have $5,000 saved as a buffer.

• On the 1st, you use that buffer for your regular expenses.
• When your salary arrives on the 20th, it refills the buffer.

You’re always spending last month’s money, not waiting on the next paycheck.

Benefits of a Buffer Fund

• ✅ Start every month with a clear budget
• ✅ Avoid waiting for your paycheck to plan or spend
• ✅ Reduce stress from income delays or fluctuations
• ✅ Stay out of debt or overdraft
• ✅ Build long-term financial resilience

How Much Should You Keep?

• Minimum: One month of essential expenses
• Ideal: One full month of income

The more you save, the more flexibility and peace of mind you gain.

Final Thought

A buffer fund isn’t just backup money. It’s a tool for predictability and control.
In Monnetta, it helps you stop reacting to income timing and start owning your financial rhythm. Just as we believe:
Plan first. Track second.