Personal financial clarity
Monetoir isn't about looking back. Enter your fixed costs and ambitions, and see exactly where you'll stand in six, twelve, twenty-four months.
Prefer to try first? Try without account
The difference
A personal financial compass. For people who don't just want to know where their money went, but where it's heading. Designed to be opened every day.
Enter your income. Add fixed costs — rent, utilities, insurance. Budget your variable spend. Monetoir calculates exactly where you'll be in one, twelve, twenty-four months. Down to the cent.
Balance over 24 months
€ 4.250,00
Set a savings goal — a new bike for €1,200, a holiday for €2,500. Indicate your monthly contribution. Monetoir tells you not just how far you've come, but when you'll arrive. Real envelopes for actual savings accounts, mental envelopes for what you keep aside on your main account.
7 months until you reach your goal
4 months to go
Most apps know 'monthly' and 'yearly'. Monetoir understands you get holiday pay in May, a thirteenth in December, and your bonus drops in April and October. Click the right months — or pick a preset. Done.
Which months?
Give your fixed costs an end date. Monetoir counts down on your dashboard: 'Gym membership — ends in 8 months, frees up €29 per month.' No more surprises. No more recurring charges that go unnoticed for years.
Streaming trial
Ends aug 2026 · frees €13/mo
Phone plan
Ends oct 2026 · frees €25/mo
Gym membership
Ends jan 2027 · frees €29/mo
How much can I save this year? Which fixed costs could I cut? Ask Monetoir. You get a calm, concrete answer based on your own data — processed anonymously, only when you ask.
How much can I save this year?
Based on your current pattern, you'll save about €2,880 by year-end. You'll reach your holiday goal in September. €40 extra per month brings that forward to July.
Financial data doesn't belong in the hands of an advertising company. Monetoir has no ads, no analytics pixels, no partnerships that resell your spending patterns.
For those looking ahead
Monetoir is built in the Netherlands, but speaks Dutch, English, German, Polish, Turkish and Arabic — with full right-to-left support. For anyone who would rather see what is coming than what is gone.
The story behind Monetoir
Monetoir grew from a simple frustration: most budget apps tell you exactly what you spent yesterday, but stay silent about tomorrow. They do not show how your buffer grows over six months, or when that expensive direct debit finally ends. I built Monetoir for everyone who wants to know what is coming, rather than what is already gone. No ads, no tracking, no selling your data. Just a clear course for your money. Just you and your financial compass.
Drop your email and we will let you know the moment Monetoir is publicly available.