Not the 100,000th budget tracker. Monter sells the life after: no debts, a cushion you can feel, a retirement that arrives early. The score, the leaks, the streaks - just the tool that gets you there.
iPhone · Free to start · No bank login · Nothing leaves your phone
It became the joke of the year: open a chatbot, get a budget app. We know - we laughed too. The difference between a weekend demo and a product is everything you cannot see in a screenshot. So here are the receipts.
Feature markets are compared on checklists, and on checklists nobody remembers you. We took the other rung of the ladder: the dream, with receipts - the after-life first, the mechanism to prove it right behind.
| The 100,000th tracker says | Monter says |
|---|---|
| Track your expenses automatically | Your freedom has a date. Meet it. |
| Find your money leaks | Every leak you plug buys back days of your life |
| Set budgets and goals | A cushion you can feel - six months, no fear |
| AI-powered insights | An AI that answers about your money without your money ever leaving the phone |
| 7-day free trial of Premium | Get free five months sooner. Start today. |
Every card below is live in the product today.
Twelve weighted components from what you enter. No bank login, no percentile theatre - every point traceable to a fact.
The date your money could carry you without a paycheck - moving closer as you act, with the assumptions printed on the chart.
Idle cash, interest bleed, forgotten subscriptions - each priced per month, each ending in a door that fixes it.
"What did I actually spend in July?" - answered by Apple Intelligence on your phone. Type "coffee 4.50" and it logs. Nothing leaves the device, even for the AI.
"Log an expense in Monter" - no unlock, no app launch. The shortest path from a purchase to the ledger.
An open-source MCP server over your export: your desktop AI answers "am I overpaying for insurance?" from your real numbers. Local, zero telemetry.
Bank CSVs deduped by occurrence, internal transfers detected so they never count as spending, seventy local brands categorised on first import.
One passphrase-sealed file that survives a lost phone. Your data outlives the device without ever touching a server.
Wallets, debts, and limits each in their own currency, converted once at the aggregate - never summing apples into oranges.
Solo, evenings, during the RevenueCat Shipaton - with the whole story public: teaching an on-device model to quote the engine instead of hallucinating, wiring a finance app into Claude, the founder dogfooding session that found six bugs in an hour. The numbers page starts at zero where everyone can watch them, and the AI bridge is open source.
Your financial data lives on your device. We do not have a server that holds it. Export it, back it up sealed, or wipe it whenever you want - it is yours, and it never needed to be ours.
Monter is an educational tool, not a financial adviser. You enter your figures, it does honest arithmetic, and every projection says on its face that it is an illustration rather than a promise. Partner offers are labelled as ads, never as advice. The dream stays honest - that is the moat.
The free version is genuinely useful: full money management, one revealed leak per day, ads at natural pauses. Pro opens every leak at once, the full Time Machine and scenario planning, and removes the ads. $7.99/month or $39.99/year after a 7-day free trial - never "unlock features", always get free sooner.
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