Munthly: Private Budgeting App

APEX Affiliation Inc.

About this app

Spending money is one thing. Knowing where it went is what separates hitting your goals from watching them slip through the cracks.

Munthly turns the statements your bank already gives you into a clear picture of your month. No bank login. No account. No sign up. Nothing you import ever leaves your phone.

Most budgeting apps want your online banking password so a server somewhere can read your transactions. Munthly does not. You download your own statement, drop it in, and it is read on your device. Your money stays your business.


WHAT YOU GET

Catch what you would have missed. The subscription you forgot about, the fees you never noticed, the small stuff that quietly adds up to real money.

Stop guessing where your money went. Every account added up together. Chequing, credit cards, the line of credit, all in one simple picture instead of scattered statements you have to piece together yourself.

Never sort the same thing twice. Your spending is categorized for you. Correct one line and it remembers that merchant from then on. The first statement asks the most of you. By the second or third, most of it sorts itself and you are only confirming the odd line.

Know what you are worth, not just what you spent. Your net worth tracked month after month, including holdings like Bitcoin, shares or gold.

A summary you can hand to someone. One page, printable or saved as a PDF, with no individual transactions on it. Useful for a partner, an accountant or a coach.


FREE, WITH A PREMIUM TIER

Everything above is free. There is no trial and no time limit.

Premium adds two things worth paying for:

Know what to fix first. Not a bunch of numbers you have to interpret. The expenses costing you the most, laid out in plain view, measured against budgeting methods you may already know: 50/30/20, 70/20/10, 80/20, Pay Yourself First, Conscious Spending Plan and Profit First.

Are you improving? Don't just track what you spend. See how this month compares to others and which habits are quietly eating away at your progress.

Premium also lets you write your own categorization rules in advance instead of correcting transactions one at a time.


PRIVATE BY DESIGN

No account, no email, no password, no sign in.
No bank connection and no screen scraping.
No analytics, no tracking, no advertising.
Works fully offline, on a plane or with no signal.
Your data lives on your phone, and you back it up to a file you control.
Optional PIN lock, with fingerprint or face unlock on top of it, so the app asks before it opens.


BUILT FOR CANADIAN BANKS

Statement formats differ from bank to bank. Munthly is built for the statements Canadian banks issue, and has been tested with Scotiabank, RBC, CIBC, Capital One, Simplii and Alterna Bank. It handles multi line descriptions, separate withdrawal and deposit columns, running balances and date formats that trip other apps up.

If your bank is not recognized yet, the app says so plainly and you can email us the statement so we can teach it; making sure to remove any data you do not want to share.


HONEST ABOUT WHAT IT IS NOT

Munthly does not connect to your bank, so transactions do not appear on their own. You import a statement once a month. That is the trade: a few minutes of your time in exchange for never handing your banking credentials to anyone.

It is also not financial advice. Every guideline in the app is worked out from your own numbers, on your own device.


WHO IT IS FOR

People who want to know where their money goes without signing their banking details over to a company they are unfamiliar with. Anyone who tried a budgeting app, got asked for their online banking password, and closed the tab.

Made in Canada by Apex Affiliation Inc.

What’s new

Big fixes and enhancements for your experience.