Monni vs Expenderino

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.

Take control of your spending without handing your financial life to a company. Expenderino keeps every transaction on your device and in your own private iCloud — no accounts, no ads, no trackers, and no server that stores your data. EFFORTLESS TRACKING - Apple Pay purchases log themselves. Set up a quick Shortcuts automation once, and every payment is recorded automatically — optionally tagged with where it happened. - Import from any bank: camt.053/.052, MT940, OFX/QFX, CSV and PDF. Map any generic CSV in seconds. Duplicates are detected and shown side by side, so you review before merging. SEE WHERE YOUR MONEY GOES - A clean dashboard with your total spending and a category breakdown. - Weekly and monthly statistics with trends, projections, and per-category analysis. - Home Screen widgets: a configurable spending widget (today / this week / this month, with a projection and budget bar) and your budgets at a glance. STAY ON TRACK - Set monthly budgets per category or tag and see exactly what's left to spend. - Smart categories organize new transactions automatically, plus tags for anything that cuts across them. PRIVATE BY DESIGN - Your data lives on your device and syncs only through your own iCloud — the developer cannot see it. - No analytics, no advertising, no third-party trackers, no sign-up. - Lock the app behind Face ID. - Optional AI category suggestions send only merchant and category names (never amounts, dates, or account details) and are off by default. Built for people who want to understand their money — not be tracked by it. Terms of Use (EULA): https://aalo28.github.io/expenderino-site/terms.html Privacy Policy: https://aalo28.github.io/expenderino-site/privacy.html