RealPayment vs Monnetta

Get rewards from merchants and store them in your phone. Pay with confidence online or onsite with your Smartphone. Real Payments hides your credit card information from merchants online and onsite. Get rewards from merchants for using RealPayment. Keep your purchase history. Get electronic gift cards.

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