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
Looking for a Mint replacement?
Mint shut down in 2024. See how Monthmate compares for safe-to-spend budgeting without bank login.
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?
Goals with progress, not guilt. Just a plan.
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 or a 5% emergency buffer when the target is zero, divided by the days left in your cycle or until payday, whichever comes first.
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 income and spending reports are free. Unlock lifetime for trends, history, and CSV import.
How it works
From payday to payday, without the panic
Monthmate runs on a billing cycle you control (default: 1st of the month). Your payday paces daily safe-to-spend, not the cycle boundaries.
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 spent, bills, and your savings reserve or emergency buffer, spread across days left.
Review and improve
See whether you're getting richer or poorer month over month, with full trends and CSV export built in.
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 ÷ min(days_left_in_cycle, days_until_payday)
If the result is negative, Monthmate shows a clear warning, never a confusing “normal” negative number.
Compare
How Monthmate stacks up
vs Splitwise
Splitwise tracks who owes whom. Monthmate shows what your household can spend today. Compare Splitwise and Monthmate for couples and shared expenses.
Read comparison
vs Rocket Money
Rocket Money cancels subscriptions and tracks spending with bank sync. Compare Rocket Money and Monthmate — and when Monthmate is the better rocket money alternative.
Read comparison
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.
Read comparison
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.
Read comparison
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.
Best Budget Apps With No Subscription (2026)
Tired of monthly budgeting app fees? Compare budget apps with no subscription — one-time purchases, free tiers, and offline options like Monthmate.
How to Manage Money Month to Month (Without a Spreadsheet)
Manage money month to month with six practical questions — income, spending, bills, safe-to-spend, savings, and progress. No complex categories required.
Best Bill Tracker Apps for Monthly Due Dates (2026)
Compare the best bill tracker apps for due dates, payment status, and budget integration — including options that connect bills to your safe-to-spend number.
Best Budgeting Apps Without Bank Login (2026)
The best budgeting apps that work without connecting your bank — manual entry, offline use, and safe-to-spend clarity for people who want control over their data.
Budget App for Couples: Shared Money Without the Fights
How couples can budget together with shared bills, one safe-to-spend number, — without linking bank accounts or drowning in categories.
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 budgetBudget between paychecksOffline budgetNo bank login requiredZero-based budgetReserve bills without category homeworkNo subscriptionFree download + lifetime unlockCouples budgetingShared bills and syncFamily budgetHousehold planningExpense trackerLog spending + safe to spendCompare appsMonthmate vs YNAB, Mint, and more
Pricing
Free to start. Pay once for everything. Never a subscription.
Monthmate is free to download and budget with. Lifetime unlock is $29.99 one-time — every on-device feature forever, no feature subscriptions. Your budget stays on your device; export CSV anytime. Compare to subscription apps. Machine-readable pricing.
Monthmate
The core loop, free forever. See your safe-to-spend every day.
Free/ to download
- Safe-to-spend & dashboard
- Quick logging & widgets
- Unlimited bills
- Monthly savings target
- Core monthly reports
- CSV export
- No account required
- Works fully offline
Lifetime unlock
Every on-device feature, forever. Never a subscription.
$29.99/ one-time · yours forever
- Full reports & spending history
- Month-in-review ritual
- CSV import
- All future local features included
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 or a 5% emergency buffer when the target is zero, divided by the days left in your cycle — or the days until your next payday, whichever comes first.
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 lives on your device. Use CSV export from Settings anytime. Multi-device cloud sync is not offered in v1 — Lifetime unlock covers every on-device feature with no subscription.
How much does Monthmate cost?
Monthmate is free to download with safe-to-spend, quick logging, and core monthly reports. A one-time lifetime unlock ($29.99 USD) adds full reports, CSV import, and month-in-review. There is no subscription for on-device features.
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.
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