Financial compass
Without goals,
you're adrift.
Monetoir is the financial compass that keeps you on course. See where you'll stand five years from now, and spot what's coming before it catches you. No bank linking — your data stays yours. Seeing your horizon clearly is the shortest way to peace of mind.
Monetoir is in beta. You're here early.
Want to run the numbers first? Try the free calculator
Command of your horizon
Money worries rarely come from a shortage of money,
but from a shortage of overview.
You know what comes in and what goes out, but not where you'll stand in a year. Or in five. Monetoir gives you that outlook back. On the timeline you see your course laid out: where you stand, where you're heading, and what changes when you adjust something. No more surprises at the end of the month, just a grip on the years ahead.
What's a timeline?
A navigation app shows not just where you are,
but also where you're heading.
The timeline does that for your money.
Slide through the months ahead. See your goals come closer. Discover what changes when you change something.
The story
I've experienced first-hand how hard it can be to manage money.
Spending too much. Fixed costs that suddenly didn't fit. The big purchase that could have waited a few months. Most apps showed me exactly what I spent yesterday, but stayed silent about tomorrow. Monetoir grew from that frustration: a clear course for your money, no ads, no tracking, no selling your data.
Read the full storyNo more surprises at the end of the month.
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
Your holiday fund isn't a monthly amount — it's a date.
Set a goal — a new bike for €1,200, a holiday for €2,500 — and add your monthly contribution. Missions give your money a clear destination: Monetoir tells you not just how far you've come, but when you'll arrive.
7 months until you reach your goal
4 months to go
Holiday pay, thirteenth month, quarterly bonuses.
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?
When your subscription ends, Monetoir knows before you do.
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
Ask your question, in your own words.
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.
No tracking. No ads. No selling to third parties.
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.
- No Google Analytics, no Facebook Pixel, no tracking cookies
- No ads — not today, not ever
- Your data is never sold or shared
- No bank linking — you enter what you want
Built for readers in every direction — left to right, right to left.
Set your course.
Create an account and start with your beta code. Monetoir is in closed beta — those who come early help build it.
Monetoir is in beta. You're here early.