April · Day 18 of 30

You’re 18 days in. Are you 18 days spent?

Monark paces every budget against the day of the month, not just the total. One line tells you whether you’re early, level, or already past it.

Create your accountSee a sample month
Free · No card · Every feature
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Spent72%
Expected by today60%
Pace12% over
01The month closes

On the first, it prints.

Monark totals the month and writes it up: what came in, what went out, what’s left, and the three lines worth knowing. Scroll and watch it come off the press.

Statement · April 2026
Monark · Personal01 Apr — 30 Apr
Income$5,199.01
Expenses−$2,581.50
Moved to goals−$600.00
Net+$2,017.51
Dining ran $54 past its limit — 118% of $300.
Groceries came in $190 under March.
Savings rate held at 29% — third month running.
Printed 01 May 06:00 · 212 transactions · 14 categories
02What you get

Four things, done properly.

Budgets

Limits that know what day it is.

The white tick is where you should be by today. The fill is where you actually are. Recurring budgets carry themselves into next month.

April · Dining
$620of $1,000
62% usedDay 20 of 30 · on pace
Advisor

Six notes a month. Worst first.

It reads the month and writes up what changed, ordered by what to deal with first. No streaks, no badges, no notifications at 9am.

Dining is $240 over last month.
Two new subscriptions this quarter.
Savings rate held at 29%.
Reports

The sentence first. Then the chart.

Every report opens with the headline of the month in plain words. Filter by range, split by category, export the rows when you need them.

Net has climbed four months straight.
JanFebMarApr
Goals

A number you’re walking toward.

Set a target and a date. Monark works out the monthly pace and shows how this month’s saving moved the line.

Bali trip$2,400 / $4,000
On pace · $400 a month to October
Emergency fund$7,100 / $12,000
Two months ahead of plan
Also
Import a spreadsheet of transactions
Also
Recurring budgets that roll into next month
Also
Your currency, applied everywhere
03A sample April, inside the app
212
Transactions logged
14
Categories in play
5
Budgets on pace watch
6
Advisor notes, maximum
04Price

Free. And locked in.

Every account gets the whole app. If a paid tier ever arrives, accounts made before it keep everything they already have.

Everything, every month$0.00 locked in
Unlimited transactionsIncluded
Budgets with today-pacingIncluded
Recurring budgetsIncluded
Goals and pacingIncluded
Reports and exportsIncluded
Advisor notesIncluded
Spreadsheet importIncluded
Any currencyIncluded
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05Questions

Before you sign up.

01Do I have to connect my bank?+

No. Monark takes entries you add yourself and spreadsheets you import. There is no bank linking, so there are no credentials to hand over.

02What does the advisor actually do?+

It reads your month and writes up to six short notes about what moved and what is drifting. They are saved with your account and only regenerate when you ask for them.

03Can I use my own currency?+

Yes. Currency is a setting on your account and every amount in the app follows it.

04Can I get my data back out?+

Export is built into Settings. Choose a date range and download your transactions.

05Does it work on a phone?+

It is a web app with a mobile layout and can be installed to your home screen. Logging a transaction on the way out of a shop is the main thing it has to be good at.

06So how is it free?+

Nothing is held back for a paid plan today, and there is no upgrade page to find. If a paid tier ever arrives, accounts made before it keep everything they already have.

Start with this month.

Make an account, log what you spent today, and let the first of the month do the rest.

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No card · No trial · No upsell