Mona vs SplitBook

Mona answers the one question a money app should: how much can I actually spend? Not your balance. Not what is left in the account. What is genuinely yours to spend today — once this month's budget and the bills already on their way out have been counted. Free — every feature, no subscription, no ads. SAFE TO SPEND One number, at the top of the screen. Your budget, minus what you have spent, minus the rent and subscriptions Mona has found in your own history and set aside before showing you the figure. No app should tell you the rent is available to spend. AN ANSWER FOR TODAY Mona divides what is left across the days remaining, so every day has a number. Stay near it and you land inside your budget. SEE WHERE THE MONTH LANDS One bar carries two things at once: how much you have spent, and how much of the month has gone. Fill behind the marker means you are pacing well. Mona projects where you will finish while there is still time to change it. ADD AN EXPENSE IN SECONDS • A purpose-built keypad — no menus to scroll • Or describe it: type "coffee 5" and Mona files it • Or say it out loud • Your most-used categories sit one tap away EVERYTHING ELSE • Cash, bank accounts and cards in one place • Budgets by month, week, quarter or year — and by category • Transfers between your own accounts, which never count as spending • Recurring charges found in your own history • A weekly read on your spending, and a quiet word when something is unusual • Home Screen and Lock Screen widgets • An evening reminder, if you want one FREE, YOURS, AND PRIVATE • Free — every feature, for everyone, with nothing locked • No subscription, no ads, no upsell • No account to create • Works offline • Your data stays on your device and in your own iCloud • Encrypted backups you keep yourself • Export everything as a spreadsheet, whenever you like IN YOUR LANGUAGE English, Vietnamese, German, French, Spanish, Portuguese, Japanese, Korean and Simplified Chinese — with every amount, date and number written the way your country writes it. Know what you can spend. Privacy Policy: https://navlab.app/privacy#mona Terms of Use: https://navlab.app/terms#mona

SplitBook makes it easy for households to track shared expenses, split costs fairly, and settle up — all synced across everyone's devices through iCloud. No accounts to create, no subscriptions. Add your household members, start logging expenses, and let SplitBook handle the math. FLEXIBLE SPLITTING • Split equally among everyone checked, payer included • "For members" when you paid for someone else's share • By exact amounts when shares aren't even — with built-in math (+, −, ×, ÷) to add up a restaurant bill on the fly • Or keep an expense as the payer's own • Vendor suggestions remember where you shop and the category you used last time SEE WHERE YOUR HOUSEHOLD STANDS • Plain-English balances: who owes whom, at a glance • Recent activity for expenses and payments • Spending by category, from this month to all time SETTLE UP • Record payments between members and apply them to specific expenses • Expenses show when they're partially or fully settled, with a clear trail SHARE WITH YOUR HOUSEHOLD • Invite family or roommates through Messages or Mail — only the people you invite can join • Changes sync automatically through iCloud • Works offline and catches up when you reconnect • The owner decides who can add new members, and can stop sharing anytime MAKE IT YOURS • Custom categories with your choice of icon • Optional notifications when someone adds an expense or payment, or joins • Light, Dark, or system appearance • Backup and restore your whole household to a file PRIVATE BY ARCHITECTURE Your data lives on your device and syncs only through your personal iCloud and the household members you invite. No third-party servers, no analytics, no tracking, no accounts. Your finances stay between you and your household. SplitBook is a ledger: it tracks who owes whom, but it doesn't move money. Questions or feedback: splitbook@mentalhygienist.app