Clear answers before you trust Monthly with your plan.

Monthly is a free personal budgeting app for organising income, bills, instalments, weekend reserves, investments and debts by month. It is for people who want to plan using the records they enter without connecting bank accounts. It is not a bank or an investment trading service.

No. It is a budget figure based on the income and commitments you recorded in Monthly. Your bank may show a different amount because of pending transactions or information you have not entered. Use it to review your monthly plan, not to check your bank balance.

Each bar represents the sum of the investment amounts recorded for that month. For example, entries of 100 and 50 in the same currency show a total of 150. The chart lets you compare all 12 months of the year; it does not add previous monthly balances together or calculate a guaranteed return.

It can help if you prefer entering and reviewing a budget in an interface organised by month. A spreadsheet can still be useful for custom formulas or personalised analysis. Monthly supports CSV and Excel exports, so you can use both tools together.

Yes. Monthly is free and does not require a credit card. You can plan your budget, track expenses and export your records without a paid plan. The optional WhatsApp channel has usage limits so it can remain free.

No. You enter the income and expenses you want to organize. Monthly never asks for bank credentials, reads your transactions or moves money. The available amount is based on your budget entries, not your live bank balance.

Yes. Add multiple income entries and adjust your bills and reserves each month. Your budget can follow freelance work, commissions or changing paychecks instead of assuming you earn the same amount every month.

Yes. Monthly works in phone, tablet and desktop browsers without an installation. You can also add it to the home screen on supported devices. Sign in with the same account to access your synced records.

Sign in with the same Google or email account to access records saved to that account. Before switching devices, check that your changes have synced. You can also download a backup from Settings for an extra copy.

Yes. Export your financial records as CSV or Excel and download a full backup from Settings. You keep a copy of your information and can continue working with it in a spreadsheet.

Monthly uses HTTPS and keeps your records associated with your account. It does not sell financial data or use it for advertising. The Privacy Policy explains the providers involved and how data is handled when you choose to use AI or WhatsApp.

No. With your permission, the assistant can use your budget context to help you understand your month. Its responses may contain mistakes and do not replace professional advice. The Privacy Policy explains what information the AI provider receives.

Yes. Link your number from the app to check your month or write an expense. Monthly asks whether it belongs to daily spending, the weekend reserve or a fixed expense, suggests close matches and lets you open the full list. In the guided flow, you review the amount, concept, date and destination before saving. Receipts always require confirmation; only high-confidence text rules you enable in Smart mode can apply automatically. WhatsApp is optional and a global guard pauses it before costs can be created.

It supports Argentine, broader Latin American and Mexican Spanish, plus US and UK English. If your language is unclear, it asks you to choose. You can change that choice from the language menu.

The optional channel has a shared global limit to keep it free and can only reply within the service window opened by your messages. If the global capacity or a privacy check prevents an action, Monthly pauses the channel before a cost can be created. You can continue managing your budget in the app.

Receipt reading requires your permission and supports JPEG or PNG images up to 5 MB. Monthly reads them on its own server without saving receipt files or sending them to an AI provider. You review the result before it is recorded, and can use text or a guided menu if reading fails.