Monnetta vs Expense Tracker

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

Track your spending on your own, as a couple or as a family. PayShare is a native app for iPhone, iPad and Mac that keeps your transactions in your own iCloud and shares them only with the people you invite. With a Shortcuts automation you set up once, a tap to pay with Apple Wallet becomes an expense in PayShare: you just pick the category. No ads, no account to create, no bank to connect. PAY WITH APPLE WALLET, PICK A CATEGORY Create one personal automation in the Shortcuts app. From then on, each time you tap to pay with a card in Apple Wallet, it runs PayShare's Add Expense action: you choose a category without opening the app, and PayShare saves the expense. Skip the question and it is saved as Uncategorized, ready to edit later. A payment in another currency is converted to your primary currency with the latest rates PayShare has downloaded. Wallet can report a payment a few seconds late and Apple's automations do not always run, so now and then a payment still needs adding by hand. SHARE WITH THE PEOPLE YOU CHOOSE Invite a partner, family or friends through private iCloud sharing. Everyone keeps ownership of their own transactions: you share yours, and you see theirs once they share back. Give each person read-only or read-and-write access, decide whether they may delete or split your transactions, and remove a connection at any time. Switch your Timeline to anyone who shares with you, search their transactions, see their spending in your budgets and insights, and hide any single transaction from the people you pick. YOUR TIMELINE • Expenses and income with a category, merchant, payment method and tags • Location and notes, and splitting one payment across categories • Your own categories, with more than 700 icons and any color • Your five most recent payment methods ready in a menu • Transactions grouped by day, with what each day cost • Recurring transactions for rent, salary or subscriptions, from daily to yearly • A second currency shown alongside your primary one • Search by text or category, and filter by date, amount, tag or place • Export to CSV, JSON or PDF, import from CSV or JSON, and restore from backups SEE WHERE IT WENT Your months sit side by side as a bar chart. Pick one to see its total, the change from the month before, your biggest expense, your top merchant, a day-by-day chart and your categories, for expenses or income. Group by tag, merchant, place, payment method or recurring transaction, choose several months, the whole year or a past year, and open any group for the details. BUDGETS AND SAVINGS Set a monthly budget and a budget for any category, and follow your progress. A marker shows how far through the month you are, so you can compare what you have spent with how much of the month has gone, and a row of months shows which ones stayed within budget. Plan across several months, and track savings accounts toward a goal. Turn on activity budgets to unlock spending through your Apple Health steps, running minutes and mindful minutes. ON IPHONE, IPAD AND MAC Everything stays in sync through your iCloud account. PayShare works offline and syncs when you are back online. Home Screen widgets show today's spending and this month's by category. PRIVACY Your transactions are stored in your own iCloud and shared only with the people you invite. PayShare sends anonymous usage events and crash reports to help improve the app; they never include amounts, merchants, notes or categories. Exchange rates come from a public currency service, and on iPhone and iPad the app asks Apple Ads whether an ad led to the install. Some features require PayShare Premium, offered as a monthly or annual subscription or a one-time purchase. A subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period; manage it in your Apple Account settings. Terms of Use: https://boogdan.com/apps/payshare/terms/ Privacy Policy: https://boogdan.com/apps/payshare/privacy/