nomoat / Monetal / Alternatives
Alternatives to Monetal
Monetal: Expense tracker that logs spending from bank SMS and email, with budgets, debts, a travel mode and no account needed. Here are 16 other products that do a similar job. Of these, 9 have a free plan, 2 sell for a one-off price.
- CashLens
Log spending fast on iPhone or iPad and see what is left in each budget, with data kept on the device.
Free plan · Money and budgeting · Individuals and families
- SpendBalance
Track spending manually on iPhone or iPad for free, with no bank login, no sign up, no purchases and everything stored locally.
Free · Money and budgeting · Individuals and families
- 1099 Tax & Mileage Tracker
iPhone app for US gig workers to log odometer mileage, scan receipts, track income and send a tidy packet to their accountant.
One-off payment · Bookkeeping and accounting · Individuals and families
- Bilancio Money
Links your bank accounts, builds a budget from past spending and shows plainly whether this month is on plan.
Subscription · Money and budgeting · Individuals and families
- Billroo
A budgeting app for Australians that pulls in bank transactions, sorts spending and tracks net worth.
Subscription · Money and budgeting · Individuals and families
- Cadence Money
A budgeting app for Canadians and Americans that tracks spending, net worth, savings goals and investments across a household.
Since 2026
Subscription · Money and budgeting · Individuals and families
- Ching
A Hong Kong money tracker that picks up Octopus and wallet payment alerts or receipt photos and logs them once you confirm.
Free plan · Money and budgeting · Individuals and families
- Clear Balance
Tracks your debts and compares snowball and avalanche payoff plans for UK users, without linking a bank account.
Free plan · Money and budgeting · Individuals and families
- DueBy
Reminds you before bills and trial endings, tracks loans and shows spare cash until payday, plus invoices for the self-employed.
Subscription · Money and budgeting · Individuals and families
- EMOH Pay
A budgeting app for Canadians that tracks spending, net worth and GST/HST, with shared budgets for families.
Free plan · Money and budgeting · Individuals and families
- Flow
A free, open-source expense tracker that works offline and keeps your data on your phone, with iCloud backup.
Free · Money and budgeting · Individuals and families
- Moony
Free desktop app that keeps your bank accounts, investments, property and loans in one overview, stored only on your computer.
Free · Money and budgeting · Individuals and families
- Spendify
Links your accounts, tracks budgets and bills, and works out a debt payoff plan with a projected debt free date.
Subscription · Money and budgeting · Individuals and families
- Splitify
Private app for splitting costs with friends where no one needs an account, with any currency, recurring bills and offline use.
Free · Money and budgeting · Individuals and families
- TipHarbor
Servers and bartenders record card and cash tips, money shared with coworkers and shift hours on iPhone, no login, data stays local.
Free plan · Money and budgeting · Individuals and families
- TipKeep
An iPhone app that logs each shift's tips and tip-outs, shows real hourly pay and estimates your next paycheck.
Subscription · Money and budgeting · Individuals and families