MonoBudget: Fixed Costs App

Michi Gu

In-app purchases

About this app

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.


WHAT MAKES MONOBUDGET DIFFERENT:

✓ Set up in 5 minutes, not 5 hours
Add your salary, add your fixed costs, done. No 20-step onboarding.

✓ Your data stays on your device
No account, no MonoBudget server, no tracking. Your finances live locally on your phone.

✓ Backups only if you want them — and then encrypted
Exports and automatic backups are optional. Encryption happens on your device with a passphrase only you know, and you choose where the backup goes.

✓ No ads, no tricks
Genuinely usable for free. Pro unlocks extras — it doesn't put artificial limits on the free version.

✓ Works offline
Day to day, the app needs no internet connection.


HOW IT WORKS:

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

Once a cost is set up, MonoBudget keeps creating its monthly entries for 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 fingerprint, face unlock, or your device 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


PRO FEATURES (OPTIONAL):

- Analytics: key figures, month-over-month trends, and breakdowns by category and person
- 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 flats
- Automatic encrypted backups, created daily in the background
- 2 additional premium themes

Pro is a one-time purchase, not a subscription.


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 and household expense apps feel too complicated
→ You share costs with a partner or flatmates
→ Privacy matters to you


NO BANK CONNECTION NEEDED

MonoBudget is not an expense tracker. You don't log every coffee. It's about your fixed, predictable costs — so you know what's genuinely available to spend and where you could save.


YOUR DATA, YOUR CONTROL:

- No account, no sign-up
- No data collection, nothing shared with third parties
- No ads
- Open export as JSON — your data, any time
- Optional backups are encrypted on your device before they are stored


Made in Austria. No ads, no tricks.

What’s new

NEW: Encrypted data exports let you protect your financial data with a passphrase-based export.

PRO: Automatic cloud backups save a current snapshot of your data every day.

PRO: The Fair Split calculator now separates current-period recommendations from a next-year preview and supports equal, income-based, and custom splits.

Also included: smoother native navigation, refined interactions, and performance and stability improvements.