MONTHLYABOUT MONTHLYA LITTLE MORE CLARITY.

THE MONTHLY FIELD NOTES /02

A clearer way to decide what your money can do this month.

Monthly turns income, commitments, reserves and longer-term balances into one understandable plan—without connecting a bank account.

Make my monthly planRead our history
YOUR MONEY. YOUR MONTH.EXPLORE AT YOUR PACE

THE PRODUCT IDEA

Three principles behind every Monthly feature

  1. 01

    Plan before spending

    Monthly starts with income and known commitments, then shows what is genuinely free instead of treating the bank balance as a budget.

  2. 02

    Understand every number

    You add the information yourself, without a bank connection, so the plan stays explainable and easy to correct.

  3. 03

    Keep control

    Confirmation steps, portable exports and visible service limits keep decisions and data under your control.

WHAT MONTHLY COVERS

One system for the whole month

01Income and budgetSee what is left in your budget

Add your income and see what remains after planned expenses and reserves. The calculation follows your entries; it is not your bank balance.

  • Updates with every movement
  • Works with variable income
  • Keeps a month-by-month history
02Bills and instalmentsSee every commitment before spending

Bills, subscriptions, instalments, categories and recurring expenses stay organised in the right month.

  • Instalments progress month by month
  • Recurring expenses and categories
  • Configurable due-date reminders
03Weekend reserveSet fun money aside from the start

Choose an amount for each weekend and Monthly holds it inside your monthly plan.

  • Separate from daily spending
  • Adjustable every month
  • Track each weekend
04Investments and debtYour assets and debts, together

Track investments, assets and debt without connecting a bank or brokerage account.

  • Assets and debt together
  • Collection and due-date reminders
  • No banking credentials

THERE IS ROOM FOR MORE.

05

Bank offers in Argentina

Find promotions from supported banks and wallets in Argentina. Check the provider's terms and dates before paying.

See how it works
06

AI assistant

With your permission, the assistant uses relevant financial context to explain the month and suggest next steps. Its output is guidance and must be checked.

See how it works
07

Monthly on WhatsApp

Write an expense and Monthly asks whether it belongs to daily spending, the weekend reserve or a fixed expense. Review close matches or open the full list before confirming.

See how it works
08

Account, install and export

Use Google or email and password, install Monthly like an app and export your information whenever you need it.

See how it works
Explore every feature

MONTHLY GOES WITH YOU

APP + WHATSAPP ↗
ALSO ON WHATSAPP · OPTIONAL

Your month.
A message
away.

Check your budget or add an expense from the chat you already use. Keep your plan close, even when you are on the go.

A LITTLE EVERYDAY ORDER
YOU

I spent $10 on fuel.

MONTHLY

Where should it
come from?

Daily spendingFuel · fixed expenseSee every fixed expense
You choose the exact destination
Illustration of the destination step. The real flow also asks you to review the final action.

FROM MESSAGE TO MONTH

FOUR EXPLICIT STEPS

  1. Say it naturally

    Write the amount and concept just as you would in a chat.

  2. Choose the source

    Daily spending, weekend reserve or a matching fixed expense — with the full list one tap away.

  3. Review the action

    In the guided flow, check the amount, concept, date and exact destination before it changes your month.

  4. Get a clear receipt

    Monthly confirms what was saved and shows the remaining or exceeded balance.

Connected only when you choose.

Link your number with a one-time code from Monthly.

It does not guess where money comes from.

Monthly suggests close matches and always lets you open the full list of fixed expenses.

Your messages stay out of external AI.

Monthly processes the channel’s text and receipts without sending them to an AI provider.

How we handle your data

This optional channel has usage limits. You can keep using the app when those limits are reached.

PRODUCT PRINCIPLES

Designed for durable control

  • Useful before the month ends

    The product is designed to guide the next decision, not merely explain spending after it happened.

  • Simple enough to repeat

    A short monthly setup and small updates are easier to sustain than a complex accounting workflow.

  • Your choices stay in your hands

    WhatsApp text and receipt images are processed inside Monthly without being sent to an AI provider. Receipts require confirmation; only high-confidence text rules you enable in Smart mode can apply automatically.

  • No financial lock-in

    Monthly does not require bank credentials, and records can be exported as CSV, Excel or a complete backup.

YOUR NEXT MONTH STARTS HERE

Build a plan you can actually understand.

Five minutes is enough to see the commitments, reserves and free amount that shape your month.

Create my free budgetSee how it works
  • Free to use
  • No credit card
  • No bank connection