Mona vs FinPulse

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

FinPulse is your personal finance companion — track spending, set budgets and savings goals, stay on top of debts, and get AI-powered insights that explain where your money actually goes. Log expenses and income in seconds, with categories and recurring entries Set budgets and savings goals, and watch your progress in real time Track debts and your credit score in one place AI insights and a chat assistant that turn your numbers into plain-English guidance (opt-in) Multi-currency support Share a plan with your household on the Family plan Your data is yours: everything is entered by you, never pulled from your bank, and you can export or delete it anytime. FinPulse Pro and Family unlock unlimited budgets and goals, AI insights, advanced tracking and more, via auto-renewing subscription. Terms of Use: https://askfinpulse.com/terms Privacy Policy: https://askfinpulse.com/privacy