Can I afford this right now? Moneta gives you the answer in seconds — no bank sync, no complex setup. Just your envelopes, your limits, and a clear balance that updates as you spend.
From daily logging to monthly planning, Moneta keeps your finances clear and always in control.
Real-time remaining balance, daily spending suggestion, and progress rings for every envelope.
Fixed Plans for recurring bills are deducted automatically. Variable Plans track flexible spending with a monthly limit you set.
Tap a category pill on the Dashboard to capture an expense in seconds. Fastest way to stay on top of spending on the go.
Log money others owe you — loans, reimbursements, split bills. Mark them received when the money arrives. Nothing slips through.
Sign in with Apple or Google to sync your budget across every iPhone you own. Or stay offline — Guest mode keeps everything local.
Every completed month is saved. Review past trackers anytime to spot patterns and see how far your budgeting has come.
The Dashboard gives you an instant pulse check on your month — how much is left, what you've spent, and how much you can safely spend each day.
Set up your budget with Fixed envelopes for obligations like rent and loans, and Variable envelopes for day-to-day spending. Moneta keeps them clear and distinct.
Browse every expense grouped by day. Each entry shows the category, subcategory, time, and amount — so your full spending story is always a scroll away.
Log every loan, split, or reimbursement the moment it happens. Moneta keeps a running total of outstanding amounts so you can follow up with confidence.
Jump straight in as a Guest — no account needed, data stays entirely on your device. Sign in with Apple or Google when you're ready and Moneta lets you decide what to keep if both local and cloud data exist.
Moneta is designed to be fast to set up and even faster to use every single day.
Enter your monthly income. Create Fixed Plans for recurring bills (auto-deducted) and Variable Plans for each spending category.
At the start of each month, create a Tracker. Moneta instantly generates a live envelope for every Budget Plan — filled and ready.
Tap Quick Log to capture spending in seconds. Watch envelope balances update in real time. If it's green, you're within budget.
No subscription. No monthly fee. Pay once and get everything — including all future updates.
Everything included. No hidden charges.
Available on iPhone · Requires iOS 17 or later
Give every peso a job. Know exactly what's left. Start today.