Free · macOS · Apple Silicon
Personal money, minus the noise.
One balance, every expense, a clean ledger of who owes what, and a pot for each project or investment you want to follow on its own — locked behind a PIN, synced to your own account, beautiful in black & white.
Version 0.2.0 · 3.5 MB · macOS 12 or later
New in 0.2.0
Money for one specific thing, tracked on its own.
You put money into a project. You buy into something. You save towards a trip. All of it lands in the same balance, and then you can't tell what any one thing is actually doing. A pot fixes that — it keeps one thing's own account without ever leaving your main balance.
Put in
Money leaves your spendable balance but stays yours. It shows as parked in that pot — not as spending — and still counts towards your net worth.
Took out
Money comes back into your balance. Anything above what you put in is that pot's profit, and Mono works out the percentage for you.
Tag anything
An expense the thing consumed, income it produced, or money someone lent you for it — tag it and that pot's own account tells the whole story.
Why Mono
Everything a money app needs. Nothing it doesn't.
Balance that's always honest
Every expense, income and loan moves one number. Open the app, see exactly where you stand — no spreadsheets, no mental math.
Who owes what, settled
A clean two-way ledger per person. You gave, you took, one tap to settle up — and the totals always agree with your balance.
Synced to your account
Sign in once and your money follows you to any Mac. Everything is saved to your own account the moment you type it.
Works offline
A full local copy lives on your Mac. No internet? Keep adding entries — they upload themselves when you're back.
PIN locked
A 4-digit PIN guards the app on every machine. The PIN never leaves your device — it isn't even stored in the cloud.
Scheduled entries
Rent on the 1st, EMI on the 5th. Future-dated entries wait under Upcoming and count from the day they land.
Net worth, not just balance
Balance is what you can spend today. Net worth adds what's parked in your pots and what people owe you, minus what you owe. Both sit on the Dashboard.
Fix it after the fact
Logged an expense that was really an investment? Click the row, change what it was, or tag it to a pot. Years of old entries fold into the right story.
Yours in a spreadsheet
Export every transaction as CSV with its pot and person on the row, or one row per pot with its totals. Opens straight in Numbers, Excel or Sheets.
Getting started
Running in under a minute.
Download and open
One 3.5 MB disk image. Drag Mono to Applications, open it — no setup wizard.
Create your account
Email and password, once per Mac. Then set a 4-digit PIN — that's your daily key.
Type your first expense
⌘N, amount, done. Charts, per-person ledgers and every pot's position fill in as you go.
Private by structure
Your money is yours to see. Only yours.
Account-scoped. Data lives under your account and the server rejects every other account's requests — enforced in the database rules, not just the app.
PIN on top. The 4-digit PIN is hashed and stored only on your Mac. It's never uploaded, so nobody — including the cloud — can read it.
Always exportable. One click exports everything as readable JSON. No lock-in, no proprietary format, no questions.
FAQ
Fair questions.
Is Mono free?
Yes. No subscription, no trial, no locked features.
Which Macs does it run on?
Apple Silicon Macs (M1 or newer) on macOS 12+. There's no Windows or Linux version, and no phone app — Mono is deliberately a desktop tool.
Where is my data stored?
Twice: in your own cloud account, and in a local database on your Mac so the app works offline. Deleting your data in Settings removes both.
Can anyone else see my money?
No. Data is tied to your account and the database rejects requests from any other account — that's enforced on the server, not just in the app. On top of that, Mono opens with a PIN that never leaves your Mac.
What happens if I get a new Mac?
Install Mono, sign in with the same email, and everything is there. The PIN is set fresh per machine.
Can I take my data out?
Always. Settings → Backup exports everything as one readable JSON file, and the same screen imports it back. Settings → Spreadsheet export writes the same data as CSV for Numbers, Excel or Sheets.
What's a pot, exactly?
One specific thing you want to follow on its own — a project you're funding, an investment, a trip, a savings goal. It isn't a second wallet: every rupee stays in the same account. The pot just records what that money is for, so you can read that one thing separately from everything else.
Does a pot take money out of my balance?
Out of your spendable balance, yes — the money has moved. But not out of your net worth: it shows as parked, because it's still yours. When it comes back, anything above what you put in is counted as that pot's profit.
Know where you stand, every evening.
Personal money, minus the noise. · Free forever · No card, no trial