Mona
Know what you can spend.
Not your balance. Not what is left in the account. What is genuinely yours to spend today — once this month's budget and the bills already on their way out have been counted.
iPhone & iPad · No subscription · No ads · No account to create
Safe to spend
$1,284
17 days left · $75 a day and you stay inside budget
Money in
$5,200
Money out
$1,416
Saved
$3,784
Today
−$182Medical
Health insurance
−$133Entertainment
Movie night
−$44Coffee
Morning flat white
−$5Safe to spend
No app should tell you the rent is available to spend.
Your balance is a lie of omission — it counts money that is already promised to someone else. Mona sets those promises aside first, then shows you what is left.
An answer for today
Mona divides what is left across the days remaining, so every day has a number. Stay near it and you land inside your budget.
See where the month lands
One bar carries two things at once: how much you have spent, and how much of the month has gone. Fill behind the marker means you are pacing well — and Mona projects where you will finish while there is still time to change it.
Adding an expense
Three ways in. All of them take seconds.
The fastest tracker is the one you actually keep using. Your most-used categories sit one tap away.
Tap it
A purpose-built keypad — no menus to scroll, no forms to fill.
Type it
Describe it in plain words — "coffee 5" — and Mona files it.
Say it
Out loud, hands full, walking away from the counter.
Insights
It tells you what changed, not just what you spent.
Your week
You spent $1,204 this week — 12% less than last, mostly by cutting delivery. Rent lands Monday, so keep about $1,800 aside.
A weekly read on your spending, and a quiet word when something is unusual.
Unusual this month
2Food is 40% up
$1,412 vs $1,008 average
↗ 40%Recurring
4 charges Mona spotted in your historyNetflix
next Fri, Mar 20
$17.99Spotify
next Tue, Mar 24
$11.99Everything else
A whole money app, not a single trick.
Every account in one place
Cash, bank accounts and cards together. Transfers between your own accounts never count as spending.
Budgets that fit your life
By month, week, quarter or year — and by category, when one part of the month needs watching more than the rest.
Recurring charges, found for you
Mona reads your own history to spot the subscriptions and bills that repeat, then sets them aside before showing you a figure.
Home & Lock Screen widgets
The number you need most, without opening anything. Plus Control Center controls and an evening reminder, if you want one.
Siri, and your own words
Ask Siri to add an expense or read back a category. App Shortcuts work without opening Mona at all.
Your data, exportable
Everything out as a spreadsheet, whenever you like. Encrypted backups you keep yourself.
Free, yours, and private
Free. Not free-for-now.
Every feature, for everyone, with nothing locked. Mona has no subscription to sell you, which is also why it has no reason to collect anything.
No subscription, no adsNo upsell, no locked features
No account to createOpen it and start
Works offlineNo server to be down
Stays on your deviceAnd in your own iCloud — never ours
Encrypted backupsKept by you, restored by you
Export everythingAs a spreadsheet, any time
In your language
Nine languages — and your country's numbers.
Every amount, date and number written the way your country writes it, not translated from someone else's.
Know what you can spend.
Free — every feature, no subscription, no ads. Not your balance, but what you can actually spend today.
Download on the App Store