Monnetta: 50/30/20 For Couples
Plan, track and save together
Free · In‑App Purchases
Get aligned on your finances. Grow Together. A system for couples that turns small daily habits into steady progress you can stick to
A Shared Money System for Couples and Families
Monnetta is a money management app for couples and families who want financial clarity and steady progress, without turning money into a source of tension, guilt, or burnout.
Most couples earn well but don't feel secure. They want to save more but struggle to stick to a system. Money conversations become conflict instead of collaboration. One partner feels guilty spending, the other feels controlled.
Monnetta changes this by giving you a shared structure you both agree on, so the plan sets the boundaries, not each other.
THE 50/30/20 METHOD THAT CREATES BALANCE
Built on the proven 50/30/20 guidelines, Monnetta provides clear structure without restriction:
- Up to 50% for needs – Housing, utilities, groceries, and essentials
- Up to 30% for wants – Dining out, hobbies, travel, and living well
- At least 20% for savings – Building toward your future together
This isn't about perfect balance between the three. It's about gradually reducing needs, increasing savings, and always protecting your 30% as your freedom zone—the part of your life that keeps you motivated and enjoying the present.
MONNETTA IS NOT BUILT FOR FULL AUTOMATION. IT'S BUILT FOR AWARENESS
Most apps automate everything for convenience. We think that's exactly the problem. Here's why: automation creates distance from reality. Distance creates surprises. Surprises create stress. Monnetta believes the opposite: small, consistent interactions with money build awareness that leads to better decisions. Manual tracking isn't a limitation. It's the point.
- Fast daily tracking – Log expenses in seconds. Stay close to reality without losing time or momentum.
- Offline-first – Track anywhere, anytime. On a plane, traveling abroad, wherever life happens. Everything syncs when you're back online.
- Real-time sync – Both see the same numbers instantly. No surprises, no "I didn't know we spent that much."
- Plans agreed on in advance – When you've made financial decisions together upfront, conversations shift from blame to problem-solving.
- Built for families – Invite up to 5 members at no extra cost.
- Smart funds for big goals – Planning a wedding, renovation, or trip? Track it separately while keeping your monthly spending balanced.
ORGANIZED FINANCES CREATE CLARITY AND CALM
Financial stress isn't always about how much you earn. It's about not knowing where you stand. Not having a shared picture. Reacting to problems instead of preventing them.
Monnetta gives you that clarity. When you can see your full financial picture—monthly plan, current funds, and long-term progress—you make decisions with confidence instead of anxiety.
BLAME THE PLAN, NOT YOUR PARTNER
Money fights happen when there's no neutral authority. Every spending decision becomes a negotiation. One person feels like the "bad guy" saying no. The other feels guilty for asking.
With Monnetta, the system you've built together becomes the authority. If something doesn't fit the plan, it's not your partner saying no—it's the structure you both agreed on. This single shift removes personal blame from financial conversations.
FINANCIAL BALANCE KEEPS YOU GOING
Extreme frugality fails because life stops feeling good. When saving means constant sacrifice, people quit the system entirely.
Monnetta's 30% wants guideline solves this. It's not something to optimize away—it's structural permission to enjoy your life right now. Because when life still feels good, you stick with the system long enough for real progress to happen.
Subscribe to claim your 1 week FREE trial and start your journey with Monnetta today.
Download Monnetta and build your financial path together—because wealth and joy should grow side by side.
Privacy Policy: https://monnetta.app/privacy
Terms Of Use: https://monnetta.app/terms
End-User License Agreement (EULA): https://monnetta.app/eula
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Budgeting for couples just got better. Improved the video preview in Help Center.
Update now and give your eyes a break while staying on top of your finances.
Happy budgeting,
The Monnetta Team
The developer, MONNETTA, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
- Other Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- User Content
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- MONNETTA EOOD
- Size
- 86.6 MB
- Category
- Finance
- Compatibility
Requires iOS 15.6 or later.
- iPhone
Requires iOS 15.6 or later. - iPad
Requires iPadOS 15.6 or later. - iPod touch
Requires iOS 15.6 or later.
- Languages
- English
- Age Rating
9+
- 9+
- Contains
Health or Wellness Topics
- In-App Purchases
Yes
- Early Supporter – Monthly $5.99
- Annual Plan (with Free Trial) $59.99
- Monthly Plan (with Free Trial) $7.99
- Early Supporter – Annual $49.99
- Monthly $7.99
- Annual $59.99
- Copyright
- © 2025 Monnetta EOOD. All rights reserved.