# MonoBudget: Fixed Costs — Simple & clear budgeting > Simple & clear budgeting (iPhone/iPad app by Michael Guggenberger.) - Source: https://appshunter.io/ios/app/monobudget-fixed-costs/id6751408703 (this page in markdown: same URL + `.md`) - Developer: [Michael Guggenberger](https://appshunter.io/developer/1820375364) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.1 · 45 MB - Languages: English - Released: 2025-10-07 - Data updated: 2026-08-09 - User reviews in markdown: https://appshunter.io/ios/app/monobudget-fixed-costs/id6751408703/reviews.md ## What is MonoBudget? Finally know what's actually left at the end of the month. MonoBudget is a household budget planner built around your fixed costs. Enter your income and your recurring bills, and within minutes you'll see how much money is genuinely free to spend each month. No bank connection, no account, no ads. SET UP IN 5 MINUTES Add your salary, add your fixed costs, done. No lengthy onboarding, no category spreadsheets to fill in first. → Enter your income: salary, side job, benefits → Add your fixed costs: rent, insurance, utilities, subscriptions → MonoBudget immediately shows you what's left Once a cost is set up, MonoBudget keeps creating its monthly entries for you. There's nothing to maintain. NOT AN EXPENSE TRACKER You don't log every coffee here. This is about your fixed, predictable costs — so you know what's genuinely available to spend, and where to start if you want to save. YOUR DATA STAYS WITH YOU No account, no sign-up, no MonoBudget server, no tracking. Your financial data lives locally on your iPhone. Back up only if you want to. Encryption happens on the device with a passphrase only you know, and you decide whether a backup stays on your iPhone or goes to your iCloud Drive. You can also export plain JSON at any time and take your data with you. FREE FEATURES - Unlimited income sources and fixed costs - Repeats monthly, quarterly, semi-annually, yearly, or on your own interval in days, weeks, months, or years - Yearly bills counted either in the month they're due or spread evenly across the year - A clear chart of where your money goes - Your own categories and colors - Sort and filter by person, category, and interval - A reminder before bigger payments like insurance or an annual subscription - App lock via Face ID, Touch ID, or your passcode - 14 color themes, light and dark - Move between months — past and future - Export and import your data: open JSON or passphrase-encrypted - English and German MONOBUDGET PRO - Analytics: key figures, month-over-month trends, and breakdowns by category and person - Fair Split: divide fixed costs fairly between two people — 50/50, proportional to income, or your own percentage. Includes a preview for next year and a monthly settlement the app books for you - Add a second person, ideal for couples and shared households - Automatic encrypted backups, created daily in the background - 2 additional premium themes Pro is a one-time purchase. No subscription, no recurring cost. WHO IS MONOBUDGET FOR? → You want to know how much is left once every fixed cost is paid → Your fixed costs are high: rent, car, childcare, insurance → Other budget apps feel too complicated → You share costs with a partner or flatmates → Privacy matters to you Made in Austria. No ads, no tricks. ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Pro Upgrade | $2.99 | one-time | ## Version history (last 5 releases) ### 2.2.1 — 2026-08-03 NEW: App lock Protect your financial data with Face ID, Touch ID, or your passcode. The lock applies on launch and every time you come back from another app. NEW: Encrypted exports You can now protect an export with a passphrase, so a backup can be stored or handed on without anyone being able to read it. Plain JSON export is still there if you prefer it. NEW: Automatic backups (Pro) If you turn it on, MonoBudget writes an encrypted snapshot of your data once a day in the background — to your iPhone only, or to your iCloud Drive. Encryption happens on the device with a passphrase only you know. REWORKED: Fair Split (Pro) The calculator now has a screen of its own instead of a card inside Analytics. • The current settlement period and the next-year preview are shown separately, so you can compare before committing to a mode. • Before booking, you see exactly what will be created: who pays whom, the monthly amount, and the months it covers. • Settlements can be updated or reset at any time, and earlier months stay untouched. • Still your choice: 50/50, proportional to income, or your own percentage. A TIDIER MENU Settings are now grouped into three areas — Settings, Data Management, Backup & Security — instead of one long list, so things are quicker to find. NEW FILTER Income and fixed costs can now also be filtered by interval: monthly, quarterly, semi-annually, yearly, or your own interval. A MORE NATIVE FEEL Native navigation and transitions, SF Symbols throughout, context menus when you long-press an entry or a source, and haptic feedback where it counts. PERFORMANCE & STABILITY Faster startup, more reliable data loading, and considerably more robust database access — plus many smaller fixes, including the header back button on iOS 26. ### 2.2.0 — 2026-07-30 NEW: App lock Protect your financial data with Face ID, Touch ID, or your passcode. The lock applies on launch and every time you come back from another app. NEW: Encrypted exports You can now protect an export with a passphrase, so a backup can be stored or handed on without anyone being able to read it. Plain JSON export is still there if you prefer it. NEW: Automatic backups (Pro) If you turn it on, MonoBudget writes an encrypted snapshot of your data once a day in the background — to your iPhone only, or to your iCloud Drive. Encryption happens on the device with a passphrase only you know. REWORKED: Fair Split (Pro) The calculator now has a screen of its own instead of a card inside Analytics. • The current settlement period and the next-year preview are shown separately, so you can compare before committing to a mode. • Before booking, you see exactly what will be created: who pays whom, the monthly amount, and the months it covers. • Settlements can be updated or reset at any time, and earlier months stay untouched. • Still your choice: 50/50, proportional to income, or your own percentage. A TIDIER MENU Settings are now grouped into three areas — Settings, Data Management, Backup & Security — instead of one long list, so things are quicker to find. NEW FILTER Income and fixed costs can now also be filtered by interval: monthly, quarterly, semi-annually, yearly, or your own interval. A MORE NATIVE FEEL Native navigation and transitions, SF Symbols throughout, context menus when you long-press an entry or a source, and haptic feedback where it counts. PERFORMANCE & STABILITY Faster startup, more reliable data loading, and considerably more robust database access — plus many smaller fixes, including the header back button on iOS 26. ### 2.1.0 — 2026-06-07 NEW: Fair Split Calculator (Pro) • See how shared fixed costs should be split between two people • Choose equal (50/50), income-based, or a custom percentage • Book the recommended adjustment as a one-time or monthly entry • Setting persists across sessions NEW: Fixed-Cost Reminders • Get notified one month before a quarterly, semi-annual, or yearly expense is due • Multiple sources grouped into a single notification • Opt in from Settings → Notifications ### 2.0.0 — 2026-01-29 New: Sort & Filter • Filter income and expenses by person and category • Multi-select categories for precise insights • Sort by name, category, or amount • Clear visual indicators for active filters New: Modern Edge-to-Edge Design • Floating tab bar with subtle blur • Native bottom sheets for all dialogs • Translucent headers and improved screen usage New: Accessibility Improvements • Large font support up to 350% • Charts and lists adapt automatically • WCAG 2.1 Level AA compliant UI Improvements • Consistent card layouts and colors • Refined category and people management ### 1.1.1 — 2026-01-11 - Charts and visualizations adapt better to large font sizes - Lists and cards automatically wrap additional information when text becomes too long - Improved layout handling for very large amounts, names, or category labels in income and expenses - Category names in analytics are displayed up to two lines before being truncated ## Apps similar to MonoBudget | App | Rating | Price | Category | | --- | --- | --- | --- | | [Bank of Maysville](https://appshunter.io/ios/app/bank-of-maysville/id1156487150) | 4.4 (5) | Free | Finance | | [hypoGO](https://appshunter.io/ios/app/hypogo/id1451717127) | — | Free | Finance | | [hypo@mobile](https://appshunter.io/ios/app/hypomobile/id646382549) | — | Free | Finance | | [FinEye - Money & Budget](https://appshunter.io/ios/app/fineye-money-and-budget/id6504302154) | 4.0 (6) | Free | Finance | | [monobudget — personal finance](https://appshunter.io/ios/app/monobudget-personal-finance/id1491162880) | 5.0 (8) | Free | Finance | | [Calculator: Compound Interest](https://appshunter.io/ios/app/calculator-compound-interest/id6449918480) | 5.0 (2) | Free | Finance | ## More apps by Michael Guggenberger - [MonoList: To-Do & Tasks](https://appshunter.io/ios/app/monolist-to-do-and-tasks/id6747315787) - [MonoMood](https://appshunter.io/ios/app/monomood/id6747455579) All apps by Michael Guggenberger: https://appshunter.io/developer/1820375364 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-09.*