Free
€0forever
What does Monadeo help you manage?
Monadeo combines eleven connected capability areas: a configurable financial dashboard, accounts and projections, transactions and recurring money, zero-based budgets, savings goals, Debt to Zero, financial calculators, Apple Watch, Ask Monadeo, privacy-focused storage, and extensive personalization with reminders and accessibility support.
Plan and track everyday money
Configurable financial dashboard
Arrange dashboard cards around the information available in your Monadeo data, including balances, spending, budget status, goals, and debt progress. What appears depends on the records and workflows you have configured.
Accounts and projected balances
Track checking, savings, cash, joint, and youth accounts with actual balances, projected balances, top expense and income summaries, a main-account choice, and account history. Projections are estimates based on the data and recurring activity you enter.
Transactions and recurring money
Record expenses, income, and transfers; edit or delete entries; filter and group history; use categories, tags, selected locations, Files attachments, and scanned documents; split a one-time expense; and review recurring occurrences before approval.
Build plans and outcomes
Zero-based monthly budgeting
Build a draft that assigns planned income to expenses, debt payments, and savings goals before activation. After activation, review budget health, compliance, comparisons, outlooks, history, corrections, and reallocations. Outlooks are estimates.
Savings goals
Create a First 1,000 goal, Emergency Fund, or custom goal and link it to an account for progress. When a target is reached, you can continue growing it, set a higher target, transfer funds, or close it.
Debt to Zero
With at least two valid debts, compare your current-payment baseline with highest-APR-first and smallest-balance-first payoff estimates. See projected principal and interest and adjust plan inputs. The comparison does not choose a strategy for you or provide individualized financial advice.
Financial calculators
Estimate a simple loan, credit-card payoff, mortgage, or debt-payoff strategy locally in the app. Results are planning estimates—not lending offers, financial advice, approval decisions, or guarantees.
Use Monadeo across your Apple experience
Apple Watch
Use data synchronized from the iPhone app to view balances, budgets, savings goals, and debt progress from a configurable Watch dashboard. Record a quick expense or income entry with an amount, enabled category, and account, then review and confirm it.
Ask Monadeo
Ask Monadeo is intentionally scoped around bundled product information. Product explanations are grounded in knowledge shipped for Monadeo's supported capabilities and workflows. Ask Monadeo does not provide a recommendation tailored to your financial circumstances. Ask Monadeo is not described as reading, interpreting, or advising on your accounts, transactions, budgets, debts, or goals.
Personalization, reminders, accessibility, and localization
Adjust appearance, decimals, recurring horizons, colors, icons, category and tag systems, dashboard and Watch presentation, compact forms, balance visibility, and other display choices. Schedule daily, weekly, or monthly reminders. Monadeo targets VoiceOver, semantic text styles and direction, and Reduce Motion, but does not claim an accessibility certification. The app supports 28 locales.