Monadeo: Budget & Money goals

Debt and expense tracker

Free · In‑App Purchases

Plan budgets, track spending and explore repayment plans on iPhone and Apple Watch. Free core features, with more tools available in Premium. Wondering where your money went? Feeling unsure about what you can spend, save or put towards debt? Monadeo helps you turn that uncertainty into a clearer plan. Organise your spending, follow your budget and see your goals take shape on iPhone and Apple Watch—so your next money decision feels more manageable. START WITH GENEROUS FREE FEATURES • Understand your everyday spending: add, review, edit, filter and organise income and expenses. • Give your money a plan with category budgets, spending totals and remaining amounts. • Keep the accounts and balances you enter in one place. • Explore loan, mortgage and credit-card repayment estimates with financial calculators. • Check your finances and record transactions on your paired Apple Watch. GO FURTHER WITH PREMIUM Look beyond individual transactions to understand your habits, explore your options and give your goals more direction. • See the bigger picture with advanced budget, account and debt analysis, historical category trends and recurring-spending insights. • Plan your next steps with debt-payoff strategies, Emergency Fund planning and additional goal tools. • Enjoy expanded account, recurring-rule and reminder limits. • Capture the details with transaction splitting, attachments and location annotations. Save time with bulk actions. • Make Monadeo feel like yours with selected iPhone, widget and Watch customisation options. A LITTLE REASSURANCE, RIGHT ON YOUR WRIST Keep your budget, balances and progress close with Monadeo for Apple Watch. • Daily snapshot: See this month’s spending, how it compares with your plan and when your information last synced. Refresh from your wrist. • Budget overview: Check the percentage used, spending so far and how much remains—or how far you are over budget. • Account balances: Browse everyday accounts, debts and goals in separate sections. • Savings progress: Follow your initial savings goal with a progress ring and target amount. Review contributions by date and amount. • Emergency fund: See your savings grow towards your target and review individual contributions. • Debt repayment: Follow your progress, browse debts with the Digital Crown and check remaining balances, interest rates and scheduled payments. • Quick transactions: Capture an expense or income while it is fresh in your mind. Enter the amount, choose a category and account, then confirm. The Watch app works with Monadeo on your iPhone, displaying synchronised information and the goals you have set up there. Watch-created transactions sync back to your iPhone when connected. Core viewing and transaction entry are free; selected customisation requires Premium. CHOOSE THE PREMIUM PLAN THAT SUITS YOU Choose Individual or Family Premium, available as a monthly or yearly subscription, or a one-time Lifetime purchase. Family plans let you share Premium with up to five other members of your Apple Family Sharing group. Each person manages their own finances; a shared household budget is not included. Eligible new subscribers can try monthly plans free for 3 days or yearly plans free for 7 days. One introductory offer is available per subscription group. Subscriptions renew automatically unless cancelled. The current price and billing period are shown before purchase, and you can manage or cancel your subscription in your Apple account settings. Prefer a one-time purchase? Lifetime includes future features added to Monadeo’s existing Premium tier, with no recurring subscription charge. Start with the free features and take your next step towards feeling more in control of your money. Privacy Policy: https://getmonadeo.com/en/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ratings & Reviews

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The developer, Compound Effect, 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:

    • Purchases
    • 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:

    • Financial Info
    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer indicated that this app supports the following accessibility features. Learn More

  • Supported Features

    • Dark Interface

For more information, visit the developer’s accessibility website .

Information

Seller
Compound Effect
Size
Up to 112.4 MB
Category
Finance
Compatibility
Requires iOS 26.4 or later.
  • iPhone
    Requires iOS 26.4 or later.
  • Apple Watch
    Requires watchOS 26.0 or later.
Languages
English and 24 more
  • English, Arabic, Czech, Danish, Dutch, Finnish, French, German, Greek, Hungarian, Indonesian, Italian, Japanese, Korean, Malay, Norwegian Bokmål, Polish, Portuguese, Romanian, Russian, Spanish, Swedish, Thai, Turkish, Vietnamese
Age Rating
4+
  • 4+
  • This app is rated 4+ with content restrictions.

    Some content may be rated higher, and may therefore be restricted and managed by the developer through in-app controls.
  • Learn More
  • In-App Controls
    Age Assurance

    Contains
    User-Generated Content
In-App Purchases
Yes
  • Premium Family Lifetime $459.00
  • Premium Lifetime $229.00
  • Premium Family Monthly $16.99
  • Premium Family Yearly $113.99
  • Premium Yearly $56.99
  • Premium Monthly $8.99
  • Learn More
Copyright
© 2026 Compound Effect
  • Developer Website
  • Privacy Policy

    • Supports

    • Family Sharing

      Some in-app purchases and subscriptions may be shareable with your family group when Family Sharing is enabled. Learn More