Money In
How much money came in?
Track income across your monthly cycle in one clear view.
Calm budgeting for real life
Make money last every month.
Monthmate is a calm, mobile-first budgeting app that answers six monthly money questions, from safe-to-spend to a monthly savings target. No spreadsheets. No shame — just six clear answers every month. Learn how safe to spend beats your bank balance.
- Know exactly how much is safe to spend
- Never miss a bill again
- See if you're getting richer each month
Illustrative preview of the Monthmate app with sample budget numbers
Must pay
RM 180
Electric · due in 3 days
Should save
68%
Holiday fund goal
Getting better?
+RM 180
vs last month
Hi there
Jun 1 – Jun 30 · Day 12
Safe to spend
RM 842
RM 28 / day18 days left
Money in
RM 4,200
Money out
RM 2,890
Must pay
RM 680
Should save
RM 420
Getting better?+RM 180
Electric bill
Due in 3 days
RM 180
6 monthly questions
Not category overload
Offline-first
No account to start
No bank link
You stay in control
Know how much you can safely spend today
Bills stay reserved and savings stay protected. What is left is your allowance for the rest of this budgeting cycle.
Features
Six questions. One calm dashboard.
Monthmate is built around the questions you actually ask at the end of every month, not abstract accounting categories.
Money Out
Where did my money go?
See spending by category without spreadsheet chaos.
Must Pay
How much must I pay every month?
Bills and recurring costs, always visible before payday.
Bill tracker guideSafe to Spend
How much can I safely spend?
A daily number that accounts for bills, savings, and buffer.
Learn about safe to spendShould Save
How much should I save?
One monthly savings target reserved in safe-to-spend — not guilt.
Getting Better?
Am I getting richer or poorer?
Month-over-month trends so you know if you're improving.
Included
Everything you need. Nothing you don't.
Safe to spend, every day
Income minus spent, unpaid bills, and either your monthly savings target (blank defaults to 10% of income) or a 5% of income emergency buffer when the target is zero, divided by the days left in your budgeting cycle, including today. Payday does not change that count.
Safe to spendBills you won't forget
Track must-pay items with due dates and payment status. Unlimited bills on free so your safe-to-spend stays accurate.
Bill trackerSavings with a target
Set a monthly savings target free — reserved automatically in safe-to-spend.
Savings targetReports that make sense
Core reports stay free. Try on-device Premium features for 30 days with no automatic charge, then choose $3.99/month, $24.99/year, or $79.99 lifetime for full reports, history, CSV import, and month-in-review. Your first completed cycle report stays available.
How it works
Know how much you can safely spend today
Monthmate reserves unpaid bills and savings, then spreads what is left across the days remaining in the budgeting cycle, including today. A new budget uses the calendar month. Payday is a reminder and does not change that count.
Set up your month
Pick your currency, income, recurring bills, savings target, and payday. Your billing cycle starts on the 1st by default.
Log what happens
Add transactions as you go. Categories stay simple. No bank connection required to start.
Check safe to spend
Your hero number updates daily: income minus spending, unpaid bills, and your savings reserve or emergency buffer, spread across the days left in the budgeting cycle, including today.
Review and improve
See whether you're getting richer or poorer month over month. Core reports and CSV export are free. Full reports, history, CSV import, and month-in-review are Premium: $3.99/month, $24.99/year, or $79.99 once.
Safe-to-spend formula
safe_to_spend = income − spent − unpaid_bills − savings_target − emergency_buffer (5% of income, only when savings target is zero)
daily_safe_to_spend = safe_to_spend ÷ days_left_in_the_budgeting_cycle
If the result is negative, Monthmate shows a clear warning, never a confusing “normal” negative number.
Compare
How Monthmate stacks up
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Rocket Money cancels subscriptions and tracks spending with bank sync. Compare Rocket Money and Monthmate — and when Monthmate is the better rocket money alternative.
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vs Honeydue
Honeydue is built for couples with bank aggregation. Compare Honeydue and Monthmate on privacy, safe-to-spend, offline use, and shared household budgeting.
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vs Copilot Money
Copilot Money is a polished iOS finance app with bank sync. Compare Copilot and Monthmate on pricing, privacy, safe-to-spend, and offline budgeting.
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vs Mint vs Monarch vs Monthmate
Mint vs Monarch is the most common ex-Mint debate. Compare Monarch Money and Monthmate on pricing, privacy, safe-to-spend, and offline budgeting.
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Guides
Practical money guides
Learn safe-to-spend budgeting, bill tracking, and offline money management — no bank login required.
Best Dave Ramsey Budget App Alternatives (2026)
EveryDollar is the official Dave Ramsey budget app. Compare EveryDollar alternatives including Monthmate for safe-to-spend clarity without zero-based category math.
Budget Apps With a Free Plan or a One-Time Price (2026)
Monthmate's core budget is free. Premium is $3.99/month, $24.99/year, or $79.99 once. Compared with Goodbudget, BudgetVault, Actual Budget, and YNAB on 13 October 2026.
Best Budgeting Apps Without Bank Login (2026)
A budgeting app without bank login stores your plan on your device. Compared 13 October 2026: Monthmate, BudgetVault, Goodbudget, Actual Budget, Penno, YNAB, and PocketGuard.
Budget App for Couples: Shared Money Without the Fights
How couples can budget together with shared bills and one safe-to-spend number — without linking bank accounts or drowning in categories.
Best Family Budget App: Plan Together Without Bank Login
Find a family budget app that tracks bills, safe-to-spend, and savings across your household — without bank credentials.
Best Mint Alternatives in 2026 (After Mint Shut Down)
Mint shut down in 2024. Here are the best Mint alternatives for budgeting in 2026 — from bank-linked apps to offline safe-to-spend planners like Monthmate.
Explore
Budgeting tools & guides
Deep dives on safe-to-spend, bills, savings, and how Monthmate compares.
Budgeting appSix monthly questions in one dashboardMoney managementMonthly clarity without spreadsheetsSafe to spendDaily number after bills and savingsBill trackerDue dates and paid statusSavings targetOne monthly number reserved in safe-to-spendPaycheck budgetDaily allowance for the rest of the cycleOffline budgetNo bank login requiredZero-based budgetBills reserved, without category envelopesFlexible pricingFree; Premium $3.99/mo, $24.99/yr, or $79.99 lifetimeCouples budgetingShared bills, one household planFamily budgetHousehold planningExpense trackerLog spending + safe to spendCompare appsHow the daily allowance compares
Pricing
Try Premium for 30 days. Choose the plan that fits.
Core budgeting stays free. After setup, enjoy every on-device Premium feature for 30 days without payment details or automatic charges. Then choose $3.99/month, $24.99/year, or $79.99 lifetime. The same features are included in every paid plan. Your first cycle report stays available, and existing lifetime purchases keep their access. USD list prices; localized store prices apply. Cloud sync is not included. Machine-readable pricing.
Free
Core budgeting stays free after your 30-day Premium preview.
Free/ forever
- Safe-to-spend & dashboard
- Quick logging & widgets
- Unlimited bills
- Monthly savings target
- Core monthly reports
- CSV export
- First completed cycle report
- No account required
Premium Monthly
Flexible access. Renews monthly until canceled.
$3.99/ month
- Everything in Free
- Full reports & spending history
- Month-in-review
- CSV import
- Future on-device Premium features
- Works offline; no bank login
Premium Yearly
Save 48% versus 12 monthly payments. Renews yearly until canceled.
$24.99/ year
- Everything in Free
- Full reports & spending history
- Month-in-review
- CSV import
- Future on-device Premium features
- Works offline; no bank login
Premium Lifetime
Pay once for the same on-device Premium features. No renewals.
$79.99/ one-time
- Everything in Free
- Full reports & spending history
- Month-in-review
- CSV import
- Future on-device Premium features
- Works offline; no bank login
FAQ
Common questions
Quick answers about how Monthmate helps you budget month to month.
What is safe to spend?
Safe to spend is the amount you can use today without risking bills or savings. Monthmate calculates it from your income, spending so far, unpaid bills, and either your monthly savings target (blank defaults to 10% of income) or a 5% of income emergency buffer when the target is zero, divided by the days left in your budgeting cycle, including today. Payday does not change that count.
Does Monthmate connect to my bank?
No bank connection is required to start. You log income and expenses manually so you stay in control of your monthly picture from day one.
Does Monthmate work offline?
Yes. Your budget lives on your device in local storage. You can track income, spending, bills, and savings without an account or internet connection.
How do I back up my budget?
Your budget stays on your device. Monthmate works without an account and does not sync automatically. Export Backup in Settings saves a complete copy you can restore, including on a new phone. CSV export is a spreadsheet of transactions, not a backup, and it cannot restore a budget. Multi-device cloud sync is not offered in v1.
How much does Monthmate cost?
Monthmate is free to download. Safe-to-spend, quick logging, bills, a savings target, and core monthly reports stay free. Optional Premium is $3.99/month, $24.99/year, or $79.99 lifetime (USD list prices). All paid plans include the same on-device features: full reports, spending history, CSV import, and month-in-review. A 30-day preview starts after setup with no payment details and no automatic charge.
How is Monthmate different from other budgeting apps?
Monthmate focuses on six practical monthly questions: how much came in, where it went, what you must pay, what you can safely spend, what to save, and whether you're improving. That beats complex spreadsheets or category overload.
Dig deeper into how Monthmate works
Get notified
Ready to make money last?
Monthmate is rolling out on iOS and Android. Join the waitlist and we will email you when your store is live.
Coming soon
App Store
Coming soon
Google Play
Want early access? Email hello@monthmate.app