Your Finances.
Under Control.
Properties, loans, insurance, goals, and budgets — connected in one app. No bank access required.
Personal Finance · iOS · Android · Web
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WHY MONARO
Clarity. Tools. Privacy.
Everything you need to manage your personal finances — in one place, no bank connections.
Complete Overview
Know exactly what you own, what you owe, and where your money goes. Assets, cashflow, loans, and insurance — one screen.
DASHBOARDSmart Tools
Make decisions based on data, not gut feeling. Mortgage, FIRE, rent vs. buy, investment returns — 8+ calculators for every financial choice.
8+ CALCULATORSSecure & Private
No bank connections. You enter only what you choose. Your data stays yours — dark UI, 13 currencies, Czech & Slovak localization.
NO BANKDASHBOARD
Everything at a glance.
Total asset value, monthly cashflow, loan status, and upcoming events. One view instead of ten spreadsheets.
MONARO DASHBOARD
MODULES
6 financial modules. Zero filler.
From assets to subscriptions — six modules that cover your entire financial life. Each one earns its place.
Assets
Properties, vehicles, investments. Track value, ownership share, rental income, and linked loans and insurance.
ASSETSLoans
Mortgages, consumer loans. Monthly payments, interest rates, remaining duration — linked to collateral.
LOANSBalance
Income vs. expenses. 20+ categories, monthly breakdown, calendar timeline. Color-coded for clarity.
CASHFLOWInsurance
Property, vehicle, life insurance. Premium tracking, renewal dates, linked assets.
INSURANCEGoals
Savings, debt payoff, purchases, investments. Track progress, run AI analysis, simulate payoff.
GOALSSubscriptions
Netflix, Spotify, gym, software. Monthly and annual totals, billing dates, categories.
SUBSCRIPTIONSWHO IS MONARO FOR
One app. Three use cases. Your rules.
Three starting points, infinite possibilities. Monaro adapts to how you actually manage your money.
Property Owner
Mortgage, rent, and insurance under control
Track asset value, rental income, mortgage LTV, and property insurance — all connected in one place.
Family
Family budget without surprises
Manage the family budget, kids' savings goals, insurance policies, and subscriptions — know where your money goes.
Investor
Portfolio and returns at your fingertips
Track your portfolio, investment returns, FIRE calculator, and financial goals — decide based on data.
CALCULATORS
8 tools for smarter financial decisions.
From mortgages to FIRE — each calculator works standalone and can be embedded on external websites.
Mortgage
Monthly payment, total interest, amortization schedule
Investment Returns
Compound interest, regular contributions
Rental Yield
Gross and net annual returns
Renovation Costs
Cost estimates by area and work type
Refinancing
Compare old and new loan terms
Early Repayment
Interest savings, new payoff timeline
FIRE Calculator
How much you need and when you'll get there
Rent vs. Buy
Financial comparison of both options
All calculators are embeddable as widgets on external websites.
TECHNOLOGY & PRIVACY
Modern tech. Your data under control.
Built on React Native + Expo with GraphQL API. No bank connections — your data stays yours.
Technology
Privacy & UX
PLATFORM
Everywhere you need it.
One app for iOS, Android, and Web. Everything synced.
iOS
App Store
Push notifications for important events
Android
Google Play
Offline data access
Web
Any Browser
Full dashboard in the browser
Take control of your finances.
No registration. No bank connections. Just your overview.
Launch Monaro→Personal Finance · iOS · Android · Web