Monni vs Pace Budget

Your bank balance is not what you can spend. Monni calculates a Spending Room estimate from the cash and expected income it can see, then subtracts rent, bills, card payments, loans, and the cushion you choose. Moments explain what changed, while Flow shows what is coming before your next decision. SPENDING ROOM, BUILT FOR REAL LIFE - See the cash and expected income Monni can count - Keep upcoming obligations and your cushion visible - Choose a 7, 14, or 30 day view - Add a missing bill, payday, purchase, or cushion and refresh the estimate BILLS & PAYDAYS IN ONE FLOW - See upcoming bills, income, card payments, and recent activity on one timeline - Review the source behind each planned item - Start manually or connect supported accounts for read-only updates WHY IT CHANGED - Read plain-language Moments about spending and money movement - Review weekly and monthly recaps - Trace explanations back to the activity Monni used YOUR BROADER MONEY PICTURE - Keep accounts, cash, assets, debts, investments, and net worth in Vault - Track transactions, statements, assets, and liabilities manually - Use Investments and Net Worth as longer-term context, separate from near-term Spending Room Monni is built for people who want money clarity without maintaining a spreadsheet budget. Start manually, connect accounts when ready, and check what is already spoken for before you spend. Spending Room is an estimate based on what Monni can see. Monni is a read-only financial clarity app. It cannot move money, make payments, trade securities, or provide financial, investment, tax, or legal advice.

Pace is budgeting that does the work for you. Connect your bank securely, and Pace builds your budget automatically from your real spending. No spreadsheets, no manual setup. ONE NUMBER THAT MATTERS See what's actually safe to spend right now, after bills and your budget are covered. BUDGETS THAT BUILD THEMSELVES Pace detects your spending patterns from your transaction history and sets realistic budget limits for every category. A fresh budget never starts in the red. STAY ON TRACK Clear signals show exactly where you stand, and Pace flags a category when it drifts, before it becomes a problem. YOUR SPENDING, ORGANIZED Every transaction categorized automatically. Recurring bills and subscriptions detected from your history. ASK ANYTHING The built-in assistant answers questions about your money from your real data, like "How much did I spend on dining this month?" PRIVATE AND SECURE Bank-level encryption with read-only access: Pace can never move your money. Delete your data anytime, right from the app. SUBSCRIPTION Pace requires a Pace Pro subscription ($4.99/month, auto-renewable). New subscribers get a 7-day free trial. All features described here are included with the subscription. Payment is charged to your Apple Account at confirmation of purchase, and the subscription renews monthly unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple Account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://storage.googleapis.com/new-mint-budget-public-kelden-agency-prod/privacy.html