How does zero-based budgeting work in Monadeo?

In Monadeo, a zero-based monthly budget starts as a draft: you assign planned income across expenses, debt payments, and savings goals until the planned amount is allocated. You then activate the budget, record real activity, and use health, compliance, comparisons, outlooks, and history to maintain the plan.

Budget outlooks and future projections are estimates based on the information you enter. They are not guarantees or individualized financial advice.

The four stages of a Monadeo monthly budget

The four stages of a Monadeo monthly budget

What you can review after activation

Zero-based budgeting questions

Pricing

What purchase options does Monadeo offer?

Free

€0forever

Free includes:

  • Accounts1
  • Goals1
  • Custom Reminders1
  • Watch App CustomisationBasic
  • Display SettingsBasic
  • Transactions ManagementIncluded
  • Currency ManagementIncluded

Monthly Premium

€7.99per month

Yearly Premium

-48%

€49.99per year

Save €45.89 compared with 12 monthly payments

Lifetime Premium

€199.99one-time

No recurring charges.

Everything in Free, plus:

  • Unlimited standard accounts
  • Unlimited custom savings goals
  • Unlimited custom reminders
  • Unlimited recurring rules
  • Transaction splitting
  • Receipts and documents
  • Transaction locations
  • Bulk transaction actions
  • One-year category summaries
  • Historical category trends
  • Recurring spending analysis
  • Advanced budget analysis
  • Account analysis
  • Debt account analysis
  • Emergency Fund planning
  • Debt payoff planning
  • Custom app icons
  • Dashboard layout
  • Budget layout
  • Advanced display settings
  • Apple Watch customization
  • Widget customization