Mono Finance

Mono is an expense tracker that needs nothing but your phone. No sign-up, no cloud, no subscription. Everything stays on the device and never leaves it.

ONE LINE, ONE SECOND The Today screen is your spending for the day plus a single input line. Type "Coffee Boom 3 200", press return, done. The category comes from what you picked for that merchant before; for a new one it waits in a bar above the keyboard. Amounts accept arithmetic: "1200+340".

APPLE PAY LOGS ITSELF A Wallet automation in Shortcuts hands each payment to Mono the moment it happens. A notification arrives with category buttons — you never open the app.

THE MONTH AT A GLANCE Month shows totals per category and every transaction. The calendar puts a number under each day. The bottom of Today always tells you what is left until the end of the month and what that is per day.

GOALS AND SAFETY NET A goal is an amount and a date; Mono works out the monthly figure and when you will get there at your current pace. Your safety net is measured in months of your normal spending.

BUDGETS AND RECURRING A limit per category or for the whole month. Rent, subscriptions and salary are described once as a rule and appear on their own — as ordinary transactions you can edit or delete.

WIDGETS Five of them: money left this month, safety net and nearest goal, a ring and a line on the Lock Screen, and a Control Center button for quick entry (iOS 18+).

ALSO • Face ID or passcode on launch • A daily nudge to write things down • CSV export of every transaction • Light and dark theme, with an icon that follows it • Accounts — card, cash, savings — with transfers between them • Currency of your choice: tenge, ruble, som, dram, manat, lari, hryvnia and more • Long-press the icon for quick entry or review

THE HONEST PART Mono is offline and has no server. That means no account, no ads, no analytics, and no sync between devices. Back up with an iPhone backup or a CSV export. There are no exchange rates: currency changes the symbol, not the numbers.

Russian, English and Kazakh. iPhone, iOS 17 and later.

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