01
Dashboard
Your net worth, instantly
Net worth with hide-balances toggle, swipeable account cards (by recent usage), and five recent transactions.
0
Bank connections required
100%
Offline-capable
Multi
Currency & asset support
iCloud
Optional sync across devices
Features
Six screens. One complete picture.
Scroll to explore each screen — net worth, accounts, subscriptions, and more.
02
Accounts
Every account, one view
Card, cash, savings, crypto, and stocks — balances, live equivalents, and sorting by name, amount, or custom order within each group.
03
Subscription
Subscriptions, on schedule
Name, price, account, category, and billing cycle. Due charges are added automatically. Stop anytime — past charges stay.
04
Transactions
Full transaction history
Income, expense, transfer, exchange, and subscription entries. Swipe left to delete. Built-in calculator, category, date, and notes.
05
Transaction
Log it in seconds
Built-in calculator; income, expense, transfer, exchange.
06
Reports
See where money goes
Income vs. expenses, category breakdowns, trends, and period-over-period comparison.
Also included
Everything else, built in
Multi-currency support, live asset prices, offline storage, and more — no add-ons required.
Multi-currency
Per-account currencies, default currency for totals, ECB rates via Frankfurter.
Assets
Live crypto prices (CoinGecko) and stock prices (Yahoo Finance).
Profile
Display name, avatar, and a Pro star badge. Change the home screen icon, toggle dashboard cards, and rate the app.
Sync
Offline-first SQLite storage with optional iCloud sync across Apple devices.
Security
Face ID, Touch ID, or passcode app lock; sign in with Apple or Google.
Apple Wallet
Shortcuts lists Log Transaction for everyone. Saving an Apple Pay expense requires Pro.
Design
Light and dark mode, iPad layout, onboarding, haptics, draggable + button, empty states.
Pricing
Start free. Upgrade when you need more.
No ads, no bank linking, and no hidden tiers. Choose monthly, yearly, or lifetime Pro when your finances grow.
Free
$0
forever
Everything you need to start tracking manually — private, offline-first, and without bank linking.
- Up to 2 accounts
- Up to 3 tracked subscriptions
- Multi-currency tracking with live rates
- Manual income, expense, transfer & exchange tracking
- Dashboard, accounts, and basic reports
- Category filters, account sorting, and pull to refresh
- Swipe to delete transactions and categories
- Offline-first storage on your device
- Face ID, Touch ID, or passcode app lock
- No ads
Monlio Pro
$1.99
per month
Unlock unlimited accounts, the Home Screen widget, alternate icons, and iCloud sync — monthly, yearly, or lifetime.
- Everything in Free
- Unlimited accounts
- Unlimited tracked subscriptions
- Advanced reports and period comparisons
- Home Screen widget
- 16 alternate app icons
- Pro badge on your profile avatar
- Optional iCloud sync across Apple devices
- $1.99/month, $14.99/year, or $24.99 lifetime
- Yearly saves 37% vs monthly
Compare plans
| Feature | Free | Pro |
|---|---|---|
| Manual transaction tracking | Included | Included |
| Automatic transaction tracking for Apple Pay | Not included | Included |
| Swipe to delete transactions and categories | Included | Included |
| Pull to refresh | Included | Included |
| Offline-first local storage | Included | Included |
| Built-in amount calculator | Included | Included |
| Face ID / passcode app lock | Included | Included |
| Light & dark mode | Included | Included |
| No ads | Included | Included |
| No bank linking | Included | Included |
| Accounts | 2 | Unlimited |
| Account sorting | Included | Included |
| Tracked subscriptions | 3 | Unlimited |
| Category filters | Included | Included |
| Multi-currency tracking | Included | Included |
| Basic reports | Included | Included |
| Advanced reports | Not included | Included |
| Optional iCloud sync | Not included | Included |
| Home Screen widget | Not included | Included |
| Alternate app icons | Not included | 16 |
| Pro avatar badge | Not included | Included |
Monlio Pro is purchased inside the app through the App Store. Monthly and yearly plans auto-renew until you cancel. Price may vary by region. Restore purchases anytime with the same Apple ID.
About Monlio
“A minimal personal finance app for tracking money across currencies and asset classes — without bank linking or clutter.”
Monlio is built for people who want to understand their finances without handing over bank credentials. You enter transactions yourself, choose your categories, and see the full picture — from everyday spending to crypto and stock holdings — in the currency that matters to you. Simple, private, and designed to stay out of your way.
Manual by design
You enter every transaction. No bank credentials, no hidden imports.
Minimal by design
Generous whitespace, SF Pro typography, and a calm interface that stays out of your way.
Built for Apple
Swipeable dashboard cards, built-in calculator, optional iCloud sync, and Face ID lock on iPhone and iPad.
- What is Monlio?
- Monlio is a personal finance tracker for iPhone and iPad. You manually log income, expenses, transfers, currency exchanges, and subscriptions across multiple accounts — including crypto and stocks — with swipeable dashboard cards, a built-in calculator, and optional iCloud sync. No bank linking required.
- Does Monlio have a built-in calculator?
- Yes. Tap the amount field when adding a transaction or account to use the built-in keypad with +, −, ×, ÷, and = to total amounts before saving.
- Can I customize my dashboard?
- Yes. Swipe through account cards below net worth, hide all balances with one tap beside the net worth label, and choose which accounts appear on the dashboard carousel. Cards sort by recent usage. Earned and spent amounts show + and − prefixes. Pull down to refresh balances, rates, and prices.
- Does Monlio connect to my bank?
- No. Monlio does not support bank account import or open banking. You enter transactions yourself for full control and privacy.
- Does Monlio work offline?
- Yes. Monlio is offline-first. Your data is stored locally on your device in SQLite and remains available without an internet connection.
- How does iCloud sync work?
- iCloud sync is included with Monlio Pro. After signing in with Apple or Google, enable iCloud sync in Settings. When it is on, Profile shows a checkmark and Sync active next to your email. Finance data syncs across your Apple devices via CloudKit. You can turn sync off or sign out from Settings while keeping local data on your device.
- What currencies and assets does Monlio support?
- Monlio supports multiple fiat currencies with exchange rates from Frankfurter (ECB), crypto prices from CoinGecko, and stock prices from Yahoo Finance. You set a default currency for net worth totals.
- Is Monlio free?
- Yes. Monlio includes a free tier with up to 2 accounts, 3 tracked subscriptions, multi-currency tracking, and basic reports. Monlio Pro unlocks unlimited accounts and subscriptions, advanced reports, a Home Screen widget, 16 alternate app icons, and iCloud sync — available monthly ($1.99), yearly ($14.99), or as a lifetime purchase ($24.99). There are no ads.
- Does Monlio track subscriptions?
- Yes. Add subscriptions with a name, price, account, category, and billing cycle. Free includes up to 3 tracked subscriptions; Pro is unlimited. Automatic charges are added when you open the app, and you can stop a subscription anytime.
Start tracking with clarity
Clarity without complexity. Download Monlio for iPhone and iPad.