Moneto Budget & Expenses

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.