MonoBudget: Fixed Costs

Finally know what's actually left at the end of the month.

MonoBudget is a household budget planner built around your fixed costs. Enter your income and your recurring bills, and within minutes you'll see how much money is genuinely free to spend each month. No bank connection, no account, no ads.


SET UP IN 5 MINUTES

Add your salary, add your fixed costs, done. No lengthy onboarding, no category spreadsheets to fill in first.

→ Enter your income: salary, side job, benefits
→ Add your fixed costs: rent, insurance, utilities, subscriptions
→ MonoBudget immediately shows you what's left

Once a cost is set up, MonoBudget keeps creating its monthly entries for you. There's nothing to maintain.


NOT AN EXPENSE TRACKER

You don't log every coffee here. This is about your fixed, predictable costs — so you know what's genuinely available to spend, and where to start if you want to save.


YOUR DATA STAYS WITH YOU

No account, no sign-up, no MonoBudget server, no tracking. Your financial data lives locally on your iPhone.

Back up only if you want to. Encryption happens on the device with a passphrase only you know, and you decide whether a backup stays on your iPhone or goes to your iCloud Drive. You can also export plain JSON at any time and take your data with you.


FREE FEATURES

- Unlimited income sources and fixed costs
- Repeats monthly, quarterly, semi-annually, yearly, or on your own interval in days, weeks, months, or years
- Yearly bills counted either in the month they're due or spread evenly across the year
- A clear chart of where your money goes
- Your own categories and colors
- Sort and filter by person, category, and interval
- A reminder before bigger payments like insurance or an annual subscription
- App lock via Face ID, Touch ID, or your passcode
- 14 color themes, light and dark
- Move between months — past and future
- Export and import your data: open JSON or passphrase-encrypted
- English and German


MONOBUDGET PRO

- Analytics: key figures, expenses and income in one chart with past and forecast kept apart, and breakdowns by category and person
- Scenarios: work out what a new job, a move or a bigger purchase would do to your budget, without changing your real data. Compare a scenario against your real figures or against another scenario
- Fair Split: divide fixed costs fairly between two people — 50/50, proportional to income, or your own percentage. Includes a preview for next year and a monthly settlement the app books for you
- Add a second person, ideal for couples and shared households
- Automatic encrypted backups, created daily in the background
- 2 additional premium themes

Pro is a one-time purchase. No subscription, no recurring cost.


WHAT IF? (PRO)

A new job, a move, a loan paid off? The question is always what would be left each month. Copy your real figures into a scenario, adjust what the change would cost or bring in, and compare the result against today. Your real budget stays untouched.

Pro is a one-time purchase. No subscription, no recurring cost.


WHO IS MONOBUDGET FOR?

→ You want to know how much is left once every fixed cost is paid
→ Your fixed costs are high: rent, car, childcare, insurance
→ Other budget apps feel too complicated
→ You share costs with a partner or flatmates
→ Privacy matters to you


Made in Austria. No ads, no tricks.