Monly

Budgeting that fits more than one person.

Track spending, plan the month, and share a wallet with the people you actually share money with.

Coming soon to the App Store

Monly subscriptions screen showing a yearly subscriptions total of $1,810 and a list of recurring charges

Shared wallets

Share a wallet, not a spreadsheet.

Send a link, or read out a short code. The people you invite join with Sign in with Apple and see the same wallet you do — every expense, every budget, every change.

Invite by link or code
Share an invite link, or an eight-character code like 7GK4-QX2N when a link is awkward to send.
Roles that match real life
Owners manage members. Editors add and change expenses. Viewers can look, not touch. You choose per person.
Up to six people
A couple, a family, a flat of housemates — each wallet holds up to six members.
Works offline
Everything keeps working without a connection. Changes sync when you are back, and everyone sees every change.
Monly wallets screen listing home, travel and family wallets, each in its own currency

Features

Everything else a budget needs.

Monly does the everyday work too — and never asks for a bank login.

  • Monly receipt scanning screen with the headline “Snap a receipt. AI files it. Zero typing.”

    Receipt scanning

    Point the camera at a receipt. Monly reads the merchant, amount and date, and files the expense for you.

  • Monly subscriptions screen listing recurring charges and their monthly prices

    Subscriptions

    Every recurring charge in one list, with renewal dates and what it all adds up to per year.

  • Monly expenses screen with bills coloured red when overdue and amber when due soon

    Budgets & bills

    Set budgets per category and give every bill a due date you can read at a glance.

  • Monly insights screen showing a financial health score out of 100

    Insights

    A financial health score and simple monthly charts that show where the money actually went.

  • Monly plan screen with the headline “Tell it your goal. Get a real plan in 60 seconds.”

    Plan

    Describe a goal — pay off a card, save for a trip — and get a monthly plan you can follow.

  • Monly ask screen answering a question about the user’s own spending

    Ask

    Ask questions about your spending in plain words. Monly answers from your own numbers.

Privacy

Your money stays yours.

Everything lives on your device by default. Only a wallet you deliberately share ever reaches a server — and only the people you invited can see it.

Local first
Your data is stored on your iPhone. You can use Monly without creating an account at all.
Sharing is the only sync
Only shared wallets are stored on the server. Private wallets never leave the device.
Sign in with Apple, only when you share
You sign in only to share a wallet or join one, and Apple lets you hide your email.
No tracking
No ad identifiers, no third-party analytics, no data selling. This website loads nothing from third parties either.

Read the full privacy policy

Questions, answered.

Is Monly free?

Monly is free to download. Advanced features are part of an optional subscription handled entirely by Apple, and you see the exact price in the app before paying anything.

What happens when I share a wallet?

That wallet is stored on the server so the people you invite can see it — and edit it, if you let them. Everyone joins with Sign in with Apple, and everyone sees every change. Nothing else on your device is shared.

Can someone I invite see my other wallets?

No. Sharing is per wallet. An invitation gives access to that one wallet and nothing else.

What if I stop sharing?

Everyone keeps their copy as a private wallet. Nothing is deleted from anyone's device — the wallet simply stops syncing between you.

Does Monly work offline?

Yes. Everything works without a connection, including shared wallets. Your changes sync the next time you are online.

How do I delete my data?

Private data never leaves your phone, so deleting the app deletes it. If you have shared wallets, delete your account from Settings inside the app — that erases your data from the server as well.