Pothos vs Monnetta

BUDGET with better clarity and focus on your long-term financial goals by budgeting with the 50-30-20 rule. LEARN with valuable tips, educational resources, and interactive tools that will enhance your financial knowledge. Pothos is the budget app built around the 50-30-20 rule: 50% Needs, 30% Wants, 20% Savings — allocate your income to three categories and watch your money balance itself. INTUITIVE BUDGETING & SPENDING TRACKER APP With Pothos, you begin with a powerful advantage: your hard-earned income. Instead of building up expenses from $0 like traditional budget tracking apps, you allocate your income to three essential categories: Needs, Wants, and Savings. Our expense tracker is built to help you follow this simple budgeting rule and reach your financial goals — simply, and mindfully. HOW DOES THE 50-30-20 BUDGETING RULE WORK? - It helps you divide your income into categories that make saving easy. - The rule states that 50% of your money goes toward needs, 30% toward wants, and 20% toward savings. - The savings category can also include money for future goals, like paying down a loan. HOW CAN YOU FOLLOW THE 50-30-20 RULE WITH POTHOS - Tell us your budget by entering your salary or earnings and your pay schedule (daily, weekly, monthly, etc). - Every expense or income you log deducts from the right category and shows your remaining budget. - See your remaining budget and every transaction on clear, visual charts and graphs — or set a fully custom rule instead of 50-30-20. — YOUR AI MONEY COACH — Ask "Can I afford this $400 phone?" and get an answer grounded in YOUR ledger, not generic advice. Every Sunday, get an AI recap with two specific, dollar-quantified actions for the week ahead. Subscription scan finds recurring charges you forgot you were paying for. AI insights flag spending anomalies before they end your month. AI-generated — never financial advice. — PRIVACY FIRST — We never sell or share your data. Cloud AI never receives your identity — no name, no email, nothing that identifies you. On-device first for analytics — trends and anomaly detection run on your phone. One-tap export and delete-everything, any time, in Settings. — WHAT WE DON'T DO — No advertising SDK. No third-party analytics broker. No identity-bearing telemetry. No selling your data, ever. — SUBSCRIPTION — Free tier covers core budgeting, the 50-30-20 rule (or your own custom rule), and manual transaction tracking. Premium unlocks the AI coach, the weekly recap, and full insights. Cancel any time in your account settings. POTHOS: BUDGET & EXPENSES TRACKER APP FEATURES: - Allocate your income to Needs, Wants, and Savings, following the 50-30-20 rule (or set a custom rule). - Log expenses and watch your budget stretch every dollar, staying in balance. - Visualize progress with charts, and set savings goals. - Ask an AI coach questions about your own spending — privately. - Weekly AI recap with two specific actions, every Sunday. - Gain financial literacy through tips and resources built into the app. - Complete data safety and privacy — see Settings → Your privacy for every commitment we make. Questions? Tap Settings → Your privacy in the app for the full commitments list.

Monnetta is a budgeting app built for couples and families from day one. Set up your shared plan together in about 5 minutes, log an expense in about 3 seconds, and always know where you both stand this month. ONE CALM MONTH, TOGETHER → First day of the month: open the same plan. Five minutes, coffee in hand. Needs, wants and savings are already in their place. → During the month: enjoy it, guilt-free. When your wants have room in the plan, a lunch out is just a lunch out. → Month after month: watch your savings grow. A little lands in your funds every month, until the thing you’re saving for is simply there. IMPROVED 50/30/20 FRAMEWORK THAT CREATES BALANCE Monnetta takes the classic 50/30/20 rule and makes it work for real life: → 50% for needs (housing, groceries, bills) → 30% for wants (dining out, hobbies, living well) → 20% for savings (building your future together) What makes it better: your most important savings get paid first, at the start of the month. Whatever is left at the end goes to your other goals, so the plan adapts to how you actually spend. The percentages are a guide, not a strict rule. Adjust them until they fit your life. It feels more like a lifestyle than a diet. And when you’ve agreed on the plan together, nobody has to be the “money police.” Blame the plan, not each other. KNOW EXACTLY HOW YOU’RE DOING See what you planned, the guideline, what you’ve spent so far and how many days are left, all at a glance and in real time, for both of you. FUNDS FOR EVERY GOAL Emergency fund, vacation, wedding, new car. Each fund has its own goal and progress bar, and fills up through your Priority and Flexible Savings. You can cover an expense from a fund in two taps and keep your monthly budget clean. Your total savings stay visible at the top, growing month after month. TALK ABOUT MONEY, WITHOUT THE FIGHT Tag a transaction or category to start a conversation, or use the in-app chat. Money talk becomes part of the plan, not a surprise at dinner. SIMPLE FOR BOTH OF YOU New to budgeting? Don’t worry. The Monn birds will guide you along the way, from your first plan to your first savings goal. → Easy to pick up, even if one of you isn’t into budgeting → Real-time sync across all devices → Works offline: on planes, abroad, wherever life happens → Custom categories that fit your lifestyle → No ads, ever YOUR DATA STAYS YOURS → No bank sync, by design. You never hand your bank login to a third party, and there’s no live feed of your purchases that could leak. You decide what goes in. → Export your data anytime, or delete your profile and everything is removed from our servers within seconds. → GDPR compliant, SSL and encryption. Made in Europe. ONE SUBSCRIPTION, UP TO 5 PEOPLE One person subscribes and up to 5 people can use it. Nobody pays extra to join the plan. Try it free for 7 days and cancel anytime. We’ll send you an email reminder before your trial ends, so there are no surprises. MADE BY A COUPLE, FOR COUPLES We’re Yanko & Rali. We ran our budget in a Google Sheet for six years, tried the strict FIRE approach, and learned that saving everything made life feel small. Balance is what worked for us. Monnetta is how we keep it, and we hope it helps you find yours. Privacy Policy: https://monnetta.app/privacy Terms: https://monnetta.app/terms EULA: https://monnetta.app/eula