Monario is free and includes a local encrypted vault, offline use, manual accounts and transactions, CSV import, basic budgets, basic reports, and backup/export options.

Private budgeting. Local-first.

Private budgeting on your computer. Plus sync when you want it.

Monario saves your data in an encrypted vault on your computer. A free account is used for activation and access management.

Monario Plus keeps a protected workspace in sync across the web and your devices. End-to-end encryption is optional.

See Monario Plus

Private on your computer
No bank connection required
CSV import and manual tracking
Encrypted backups you control
Web access with Plus

Sample Monario dashboard showing account groups, budget health, recent transactions, and Monario encrypted status

MONARIO DASHBOARD

Overview

Private desktop vault

Total balance $18,420.50

Your financial data is saved in an encrypted vault on this computer.

Owed to you$142.302 open expenses

Food budget58%$412 left

Recent reports24 moLocal view

Safe to Spend$620after bills, savings, taxes, and buffers

Recent transactionsAmount

Grocery-$86.20

Salary+$2,620.00

Transit Pass-$97.00

Product tour

See Monario in use.

Preview key workflows with illustrative data: dashboard, vault, import review, and work expenses.

Monario is designed for people who want the control of a spreadsheet, the structure of a budgeting app, and the privacy of an encrypted local vault.

Sample Monario dashboard showing account groups, budget health, recent transactions, and Monario encrypted status

Illustrative dataOverview

MONARIO DASHBOARDOverview

Total balance$18,420.50

Owed to you$142.30

Budget healthGood

HousingFoodTransport

Sample income allocation using virtual buckets

Illustrative dataAllocate income before you spend

Virtual bucketAmount

Bills & Essentials$1,760

Future Me$320

Taxes$320

Lifestyle$620

Buffer$160

Safe to Spend$620

Sample Monario encrypted vault screen showing saved status

Illustrative dataVault

MONARIO DASHBOARD

Vault

Unlocked

My Monario Vault

Your financial data lives inside your private encrypted vault.

Storage modeLocal vault Last backupToday, 5:03 p.m. SyncPaused DeviceThis computer

Sample Monario CSV import review screen for matching and reviewing transactions

Illustrative dataImport review

Needs reviewAllDuplicates

2023-01-12TRANSFERT$50.00Possible transfer

2023-01-12TRANSFERT-$50.00Choose other account

2026-05-20Coffee-$5.40Ready

Sample Monario work expenses screen showing reimbursable expenses grouped by report

Illustrative dataWork Expenses

To submitWaitingReimbursedAll

May client visit2 transactions · $142.30

Not submitted

Transit Pass · Transport$97.00

Coffee · Food$5.40

Office supplies1 transaction · $39.90

Approved

Cash Flow Buckets

Know what is safe to spend

Most budgeting apps show your total balance. Monario helps you understand what that money is already doing. Split income into virtual buckets for bills, savings, taxes, lifestyle, and buffers. Then Monario shows your Safe to Spend amount, so protected money stays protected.

See how allocation works

Buckets are virtual planning balances inside Monario. No extra bank accounts are required.

Plans

Monario is free. Monario Plus adds protected sync and web access.

Monario keeps a private budget on your computer. Plus adds protected sync, automatic backup, multi-device convenience, the web app, and optional end-to-end encryption.

Monario

Free

Private budgeting on your computer, without sync.

Encrypted local vault
Works offline
Manual accounts and transactions
CSV import
Basic budgets and reports
Manual vault backup and export

A free account activates Monario.

Monario Plus

Subscription

Protected sync, web access, backup, and multi-device convenience.

Web app access
Protected sync
Automatic encrypted backup
Multiple budget profiles
Advanced reports
Future mobile sync

Your vault stays encrypted before it syncs.

Plan comparison

Feature	Monario	Monario Plus
Encrypted local vault	Included	Included
Offline access	Included	Included
Core budgeting	Included	Included
Transaction history	Included	Included
Recent reports	Included	Included
Cash Flow Buckets	Included	Included
Safe to Spend view	Included	Included
Auto income allocation	Not included	Included
Multiple bucket profiles	Limited	Included
Bucket reports and trends	Limited	Included
Reports and dashboard	Limited	Included
Advanced insights	Limited	Included
Protected sync across devices	Not included	Included
Multi-device access	Not included	Included
Cloud backup / restore	Not included	Included
Manual export	Included	Included

IncludedLimitedPlannedNot included

Monario stays private on your computer. Plus adds protected sync, web access, backup, multi-device convenience, and optional end-to-end encryption.

Vault model

Your financial records should stay private on your computer.

Monario stores transaction-level financial data in a local encrypted vault on your computer. Monario Plus adds protected sync, web access, automatic backup, and an optional private mode that encrypts financial records before upload.

What Monario can see

Account and login metadata: yes, minimized
Local vault financial data: no
Exported .mvault backups: no, unless you share file and password
Plus sync vault: encrypted before upload
Support messages: only what you choose to send

Learn more in the Privacy Policy Read the Security overview

Sample Monario encrypted vault screen showing saved status

Illustrative data

Saved on this computer

Your financial data stays encrypted locally, with backups you control.

Private desktop vault

Plus sync off Last backup: Today

Sample CSV import screen for transaction import

Illustrative data

CSV import review

Features

Track money without friction.

Monario focuses on practical workflows for private personal finance organization, local desktop storage, protected sync, and clean reporting.

Accounts

Track checking, credit, savings, cash, and investment accounts manually.

Transactions

Add transactions manually or import CSV files.

Budgets

Understand spending by category from manual entries, CSV imports, and Plus sync.

Cash Flow Buckets

Split income into bills, savings, taxes, lifestyle, and buffers. Monario shows what money is protected and what is safe to spend.

Reimbursements

Flag reimbursable work expenses and separate them from personal budgets.

Reports

Review recent spending, balances, categories, and budget health with calm dashboards.

Export and backup

Keep control with encrypted .mvault backups and export options.

Why Monario

Personal budgeting, without spreadsheets or connected bank accounts.

Monario helps you manage your money in a clear, private, and durable space — without relying on a connected banking app.

Clearer than a spreadsheet

More private than a connected banking app

More modern than old personal finance tools

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 uses manual tracking and CSV import. Monario Plus adds protected sync, web access, backup, and multi-device convenience.

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 the paid synced experience for protected sync, web access, backup, multi-device use, multiple budget profiles, and advanced reports. End-to-end encryption is optional.

Can I use Monario without cloud sync?

Yes. Monario keeps financial data local unless you enable Plus sync. A free account is used for activation and access management.

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. Monario supports user-controlled backup/export options. Monario Plus adds automatic encrypted backup.

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.

Launching soon

Be first to know when Monario is ready.

Join the waitlist for desktop availability and Monario Plus launch updates.

Review security

Monario is budgeting, reporting, projections, and personal finance organization software. It does not provide financial, investment, tax, accounting, legal, credit, insurance, or retirement advice.