Moneto Budget & Expenses

No bank login, no ads: fixed costs, subscriptions, and budget stay on your iPhone. Daily budget, savings planner, renewal reminders – clear and fast.

See what’s left after rent, subscriptions, and everyday spending – with no bank login and no ads.

Moneto 2.0 is a household ledger, fixed-cost overview, and subscription tracker in one clear iOS app, with a redesigned interface. Buy once. Your data stays on your iPhone. Optionally share a household with a partner or roommates.

Four areas instead of one messy account: • Fixed costs – rent, insurance, fees, monthly and yearly • Subscriptions – every recurring service, with a reminder before renewal • Monthly budget – category limits, plus an alert when you go over • Finances – real income and expenses, with month-to-month comparison

New in 2.0 • Completely redesigned interface with Liquid Glass and modern cards • Hero cards on home screens: amounts and progress at a glance • Faster forms for adding and editing • Clearer, more accessible flow from onboarding through settings

Highlights • Charts and key figures for fixed costs and subscriptions • Local notification center and renewal reminders • Daily budget calculator: spread what’s left across the remaining days • Savings planner with goals and progress • Flexible finance month – calendar month or from payday • Search across fixed costs, subscriptions, and transactions • Custom categories with emoji; language and currency you choose • Household sharing – keep entries personal or share them • Privacy Mode (hide amounts) and app lock (Face ID / Touch ID / PIN) • Widgets for Home Screen and Lock Screen, plus Control Center quick add • Optional: log an expense after Apple Pay or Wallet via Shortcuts • Optional: iCloud sync across your devices – personal data stays separate from the household • Backup and restore as a file

Privacy: By default everything stays on device. Shared household data is synced encrypted. Subscription reminders are local notifications – not marketing pushes.