Budgeting app
A budgeting app that tells you what you can spend today
Monthmate is a calm budgeting app for iOS and Android. It answers six monthly money questions — from income and bills to safe to spend and a monthly savings target. No spreadsheets. No bank connection required.
Six questions every budgeting app should answer
- 1
How much money came in?
Track income across your monthly cycle in one clear view.
- 2
Where did my money go?
See spending by category without spreadsheet chaos.
- 3
How much must I pay every month?
Bills and recurring costs, always visible before payday.
- 4
How much can I safely spend?
A daily number that accounts for bills, savings, and buffer.
- 5
How much should I save?
One monthly savings target reserved in safe-to-spend — not guilt.
- 6
Am I getting richer or poorer?
Month-over-month trends so you know if you're improving.
How Monthmate differs from other budgeting apps
Forward-looking, not just history
Most budgeting apps show what you spent. Monthmate shows what you can spend today.
No bank login required
Log income and expenses manually. Your data stays on your device.
Works offline
Full budgeting without internet — on planes, subway, or spotty service.
A daily allowance
Unpaid bills and savings come out first. What is left is divided by the days left in the budgeting cycle. A new budget uses the calendar month. Payday is a reminder.
What the daily number is for
Monthmate answers how much you can safely spend today. Unpaid bills stay reserved, savings stay protected, and the remainder is your allowance for the days left in the budgeting cycle. No bank login.