MONTHLYHOW IT WORKSA LITTLE MORE CLARITY.

THE MONTHLY FIELD NOTES /03

Build the month once. Adjust it as real life happens.

Monthly turns a short setup into one live number: what remains after the commitments and priorities you chose to protect.

Make my monthly planExplore the features
YOUR MONEY. YOUR MONTH.EXPLORE AT YOUR PACE

THE MONTHLY METHOD

Five steps from income to a usable plan

  1. 01

    Sign in without losing earlier data

    Use Google or email and password. If you already used Monthly, identity resolution keeps the wallet attached to its existing owner.

  2. 02

    Enter this month's income

    Start with what is actually coming in. Variable income can be adjusted whenever the picture changes.

  3. 03

    Add commitments and priorities

    Record bills, instalments, recurring costs, investments, debt and anything that must be protected before everyday spending.

  4. 04

    Set reserves

    Decide what should remain available for each weekend or category instead of hoping the bank balance lasts.

  5. 05

    Use the free amount and keep it current

    Monthly recalculates what remains. Update it in the app or, when available, through confirmed WhatsApp text and menus.

OPTIONAL WHATSAPP FLOW

A convenient channel with the same account rules

WhatsApp does not create a second wallet. It is a guarded interface to the same Monthly account.

  1. 01

    Link

    Generate a one-time code in Settings and send it from the WhatsApp number you control. The code expires after 15 minutes.

  2. 02

    Choose a language

    Monthly detects supported Spanish and English variants. If the first message is ambiguous, it asks and saves the choice.

  3. 03

    Ask or select

    Use a direct command, ordinary text or a guided menu to query the month or propose a change.

  4. 04

    Review and stay in control

    Monthly validates every proposal. Receipts always require confirmation; only high-confidence text rules you explicitly enable in Smart mode may apply automatically.

  5. 05

    Stay inside the safeguards

    Free-capacity, service-window and privacy checks can pause an optional action. The bot explains the reason whenever a safe free reply remains possible.

SAFETY CHECKS

Convenience never bypasses control

Optional automation can stop; core account protections do not.

  • No bank credentials or automatic bank connection
  • No AI model writes directly to the wallet
  • Revision checks prevent silent overwrites
  • Receipt files are not persisted after in-memory processing
  • CSV, Excel and complete backup exports remain available

YOUR NEXT MONTH STARTS HERE

Your first plan takes about five minutes.

Enter the month, review the free amount and make the next decision with the whole picture visible.

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  • Free to use
  • No credit card
  • No bank connection