Monlio — Personal Finance Tracker

Monlio · FinTech

A calm manual finance app for iPhone and iPad — multi-currency accounts, crypto and stocks, clear reports, and optional iCloud sync without bank linking.

Offline-first · Multi-currency · iOS & iPad

Challenge

Most finance apps push bank linking, subscriptions and complexity. Monlio needed a minimal tracker for people who want clarity over their money — across everyday spending, savings, crypto and stocks — without handing over bank credentials.

Solution

Dashboard with net worth, account count and recent transactions at a glance
Accounts for card, cash, savings, crypto and stocks with live default-currency equivalents
Income, expense, transfer and exchange entries with categories, dates and notes
Reports with income vs. expenses, category breakdowns and period-over-period trends
Multi-currency support with ECB rates via Frankfurter, crypto via CoinGecko and stocks via Yahoo Finance
Offline-first SQLite storage with optional iCloud sync across Apple devices
Face ID, Touch ID or passcode app lock; sign in with Apple or Google
Light and dark mode, iPad layout, haptics and empty states on every screen

Result

Monlio delivers clarity without complexity — a private, manual finance tracker built for iPhone and iPad that stays out of the user's way.

Ready to build something similar? — /10

Start with a fixed-scope discovery sprint

Before any full engagement, we run a paid 1–2 week discovery sprint with a clear deliverable. No lock-in.

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