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A budget that starts from how you really spend.

Monio sets up a first budget from your last few months, with a target for each category and fixed costs like rent as the floor. It tracks the month as transactions come in. Change or remove any amount.

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7 days free, no credit card. Then $7.99 a month.

October budget

Housing$2,100 of $2,100

Can't be set below rent

Food & Dining$626 of $650
Transportation$164 of $250
Shopping$194 of $250

Budgeting

What you get.

  • Set up for you

    Amounts come from up to six months of your own spending. Everyday needs keep their usual amount; extras like dining out get a modest trim.

  • Never below fixed costs

    If your rent is $2,100, your housing budget is never set below $2,100. Monio won't ask for a cut you cannot make.

  • Every dollar counted

    Spending in a category without a budget still counts toward your total, and Monio shows how much of it there is.

How it works

Three simple steps.

  1. 01

    Connect your accounts

    Link your bank and cards. A few months of history gives Monio enough to draft a budget.

  2. 02

    Adjust it

    Monio saves a first budget for you. Change or remove any amount. You can also ask Monio AI to rebuild it; a rebuild saves nothing until you confirm.

  3. 03

    Follow the month

    Spent and projected amounts update as new transactions come in. No manual logging.

FAQ

Questions, answered plainly.

Can I budget with a partner?
Yes. In a household, Monio shows a shared budget built from the accounts each person chooses to share.
What if I go over?
Monio shows how far over you are in that category. You can raise the target or keep it as a goal for next month.

More answers on the FAQ page.

Related

Keep exploring.

Try it with your own money.

Connect an account and Monio shows your month in a few minutes. 7 days free, no credit card.

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