Monemon vs SpendCalm

Everyone knows they should be saving. The problem is the moment you'd actually have to do it. Monemon takes that off your hands. Set a daily budget. Whatever you don't spend gets saved that evening. A real account, a real Mastercard, and Mo keeping an eye on the whole thing. SAVE DAILY, ONE TAP Saving usually fails because you only check what's left at the end of the month, and by then there's nothing there. Monemon flips it. You save daily, in small amounts, before the money is gone. Set a daily budget, stay under it, save the rest, with one tap. Keep at it, and a few euros a day becomes an actual reserve. The longer you stick with it, the bigger your cushion gets. GET TO KNOW MO Save, and Mo cheers. Overspend, and he pipes up: "€50. Amazon. Explain yourself." He knows exactly what you treated yourself to last week. Your balance has never had this much personality. WEEKLY WRAPPED Every Sunday, your week in numbers. Credit where it's due. A light roast where it isn't. YES, IT'S A REAL ACCOUNT Your own IBAN account. A Mastercard debit card that works everywhere. Apple Pay available. Every payment in one place. Everything a fintech does. None of the noise. START SMALL You don't need a plan, a spreadsheet, or a spare €200. You need one day under budget. Mo takes it from there. Small wins, every week. Save it. Watch your money grow. Repeat.

Impulse purchases happen quickly. SpendCalm creates space between the urge and checkout—helping you understand what is driving the purchase, make a calmer decision, and see the money you keep. A CALMER ALTERNATIVE TO COMPLICATED BUDGETING SpendCalm focuses on the moment before an unplanned purchase. Set a realistic savings target, pause when an urge appears, and record what happens without guilt or judgement. PERSONALISED TO YOUR PATTERNS Reflect on what you buy, what triggers the urge, what feeling shopping promises, what compulsive spending affects, and what your savings could make possible. SpendCalm uses your answers to offer more relevant prompts when you need them. PAUSE BEFORE CHECKOUT • Take a guided one-minute reset • Add purchases to a cooling-off period • Compare a purchase with your savings goal • Receive a reminder when it is time to reconsider • Return later and make an intentional decision MAKE YOUR PROGRESS VISIBLE • Track money kept today, this week, this month, and across your lifetime • Record purchases without connecting a bank account • Notice urges and identify recurring spending patterns • Work towards personalised milestones • Set daily, weekly, or monthly savings targets • Review the progress your small decisions create BUILD A PLAN THAT FITS YOUR LIFE Choose your preferred currency, usual spending amount, savings target, and purchase-pause duration. You can update your plan whenever your circumstances change. SpendCalm may be helpful if you want to: • Stop impulse buying • Reduce overspending • Understand compulsive shopping patterns • Complete a no-buy or low-buy challenge • Control emotional spending • Save money for something meaningful • Build a more mindful relationship with money No shame. No punishment. Just a quiet moment to pause, understand the urge, and choose what matters more. SpendCalm provides behavioural self-management and educational tools. It is not a substitute for professional medical, psychological, or financial advice. Some features require an auto-renewable subscription. Subscriptions can be managed or cancelled through your Apple Account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/