Desktop
Free forever
Private budgeting on your computer. Works offline, with imports, budgets, reports, and backups you control.
Download Desktop Free
No account required. Your local budget stays free.
Private budgeting. Local-first.
A clearer view. A calmer month.
Track your spending and plan your month with a budget that stays encrypted on your computer. Import CSV files or add transactions yourself.
- Free forever on desktop.
- Works offline.
- No account required.
See the month clearly.
Bring your transactions together, review your imports, and see where your money goes. Import CSV or QIF files, or add transactions yourself.
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Plan around your priorities.
Set monthly limits for the categories that matter to you. See what you have spent and what remains before your next purchase.
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Keep control of your records.
Your budget stays encrypted on your computer. Work offline, save your own encrypted backups, and export your records when you need them. No account required.
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Plans
Price
Choose where you budget.
Browser · Monario Plus
Free invite-only preview
Accounts, reviewed imports, monthly budgets, and reports in your browser. No desktop installation required.
Free until launch. No credit card required.
At launch
US$4.99/month, billed monthly.
US$42.99/year, billed annually.
Before applicable taxes.
Plan comparison
Available in the preview
Free, invite-only preview
90 days free for preview users; 30-day trial for new users
Still in development
Desktop sync, automatic cloud recovery, multiple budget profiles, and advanced cash flow tools are in development.
Swipe sideways to compare both plans.
| Feature | Desktop | Browser · Monario Plus |
|---|---|---|
| Main experience | Standalone desktop app | Browser workspace; desktop linking optional |
| Access today | Permanently free desktop offering | Free, invite-only preview |
| At commercial launch | Still free permanently | 90 days free for preview users; 30-day trial for new users |
| Encrypted local vault | Included | Not included |
| Offline access | Included | Not included |
| Budgets and categories | Included | Included |
| Transaction history | Included | Included |
| Recent reports | Included | Included |
| Cash Flow Buckets | Not included | Planned |
| Safe to Spend view | Included | Included |
| Auto income allocation | Not included | Planned |
| Multiple bucket profiles | Not included | Planned |
| Bucket reports and trends | Not included | Planned |
| Reports and dashboard | Limited | Included |
| Advanced insights | Limited | Planned |
| Protected sync | Not included | Planned |
| Multi-device access | Not included | Planned |
| Cloud backup and restore | Not included | Planned |
| Manual encrypted export/backup | Included | Included |
IncludedLimitedPlannedNot included
Monario Plus is in development. Preview access is free for invited users. Planned features are not included in the preview.
FAQ
Common questions before you start with Monario.
Is Monario free?
Monario is free and includes a local encrypted vault, offline use, manual tracking, budgets, CSV import, basic reports, and manual backup/export options.
How do imports work on the free plan?
Monario supports manual tracking and reviewed CSV imports. Invited users can also use the free Plus browser preview. Monario Plus is in development.
Where is my financial data stored?
Monario stores transaction-level data in an encrypted vault on your computer. Plus uses a protected online workspace; private mode encrypts financial records before upload.
Can Monario read my transactions?
Monario is designed so local vault financial data is not readable by Monario. Support messages or files are only visible if you choose to send them.
What is Monario Plus?
Monario Plus is in development. Preview access is free for invited users. When Plus launches, preview users will receive 90 days of Plus free. No credit card or payment required.
Can I use Monario without cloud sync?
Your budget stays in an encrypted vault on your computer. No account or bank connection is required for local use.
Can I import transactions?
Yes. Monario supports CSV import flows so you can review and organize transactions before saving them to your vault.
Can I track reimbursements or work expenses?
Yes. Monario includes work expense and reimbursement tracking so reimbursable spending can stay separate from personal budgets.
Can I export or back up my data?
Yes. You can export an encrypted copy of your vault. Free automatic local backups are being validated for Desktop 1.0. Plus cloud recovery is separate and remains in development.
Is Monario financial advice?
No. Monario is budgeting, reporting, projections, and personal finance organization software. It does not provide financial, investment, tax, accounting, legal, credit, insurance, or retirement advice.
Can Monario replace Mint, Moneydance, or my spreadsheet?
Yes. Monario is designed for people who want a clearer, more private, and more modern budgeting experience — without requiring a connected bank account. You can track accounts, organize spending, and stay in control of your budget in a simple, durable interface. All product names are trademarks of their respective owners. Monario is not affiliated with them.
Start today
Choose how you use Monario.
Desktop stays free. Request an invitation to try Plus in your browser.
Monario is budgeting, reporting, projections, and personal finance organization software. It does not provide financial, investment, tax, accounting, legal, credit, insurance, or retirement advice.