PersonalFree, or Plus for more
Take control of everyday money.
- Budget, bills and savings goals in one view
- Plan a trip, purchase or event in full before you pay
- See whether to buy now or wait, with your savings protected
TMonie Money Planner
Plan it. Save for it. Stay on track.
Understand the impact before you commit. One app to budget, save for what matters, get paid for your work and keep your team’s spending in check.
- Free plan, no card
- Cancel paid plans any time
- Your data, exportable any time
No bank connection is required. TMonie does not hold or transfer your money, provide credit or give regulated financial advice.
Free planNo card, no time limit
248 countriesPlan in your own currency
38 countriesWith built-in tax estimates
No bank loginYou choose what to add
One app, three workspaces
Built for how you earn and spend.
Start with personal money for free. Add the Independent workspace when you freelance, or Business when a team spends together.
IndependentIncluded in Plus
Get paid and stay ready for tax.
- Quotes and branded invoices, emailed in a click
- Customers pay by card or bank transfer, and invoices mark themselves paid
- Projects with deposits, expenses and a tax estimate you can correct
BusinessBusiness or Business Plus
Run team spending with control.
- Purchase orders and approvals before money goes out
- Supplier bills, budgets, forecasts and reports
- Roles for up to 15 people, owner included
See the real thing
Documents that look the part.
Professional invoices, tax estimates and purchase orders, ready in minutes. Pick one to see it.
Independent · Plus
Invoices your customers pay straight away.
- Your logo, tax and discounts, with totals worked out for you
- Take a deposit, then track what is still owed
- Customers pay by card or bank transfer and the invoice updates itself
C
Cedar Studiohello@cedarstudio.co
InvoiceINV-0042Part paid
Billed toNorthwind Café12 Harbour Street
Issued2 Oct 2026Due16 Oct 2026
| Item | Qty | Amount |
|---|---|---|
| Brand identity design | 1 | £900.00 |
| Website landing page | 1 | £650.00 |
- Subtotal
- £1,550.00
- Discount 10%
- −£155.00
- VAT 20%
- £279.00
- Total
- £1,674.00
- Deposit paid online
- −£837.00
- Balance due
- £837.00
Pay £837.00 onlineCard, Apple Pay or Google Pay · or bank transfer
How TMonie works
From your money to a clearer decision.
Six simple steps, whether you are planning a holiday, a wedding, new equipment or a team purchase.
- 01BUDGET
Know what is really free
Add your income, bills and essentials. TMonie shows what is left to spend or save each month.
- 02SAVE
Protect your safety net
Set savings goals and an emergency buffer. Every plan has to respect them.
- 03PLAN
See the full cost first
Deposits, fees, travel and extras: every cost of a purchase, trip, event or business expense in one place.
- 04DECIDE
Check decision readiness
Find out if a plan is ready, needs more saving first or needs another look, and exactly why.
- 05TRACK
Never miss a deadline
Reminders, payment dates and progress keep the plan moving after you commit.
- 06REVIEW
Get better each time
Compare what it really cost with what you planned, so the next decision is easier.
Simple pricing
Start free. Upgrade when you need more.
Prices shown in your currency. Pay yearly and save 17%.
Free
£0.00forever
One complete plan at a time, budgets, savings goals and Ask TMonie.
Start freePlus
Updating…GBP / month
Unlimited plans, reminders and sharing, plus invoices with online payment, projects, expenses and tax estimates.
Choose PlusBusiness
Updating…GBP / month
Everything in Plus, with purchase orders, approvals, supplier bills and reporting.
Choose BusinessBusiness Plus
Updating…GBP / month
Everything in Business for a growing team, at one fixed price.
Choose Business PlusQuestions
Good to know before you start.
Is TMonie really free?
Yes. TMonie Free has no time limit and needs no card. Upgrade only when you want more plans, reminders, invoicing or team tools.
Do I need to connect my bank?
No bank connection is required. You add the figures you choose. Business plans can also import a bank statement file to reconcile.
Does TMonie hold my money?
No. TMonie does not hold or transfer your money, provide credit or give regulated financial advice. When customers pay your invoices online, the money goes straight to your own Stripe account.
Which plan is right for a freelancer?
Plus. It includes the Independent workspace: quotes, invoices with online payment, projects, expenses and tax estimates.
Can I cancel at any time?
Yes. You keep paid features until the end of the period you have paid for, and you can export or delete your data whenever you like.
Before you commit, make the whole plan visible.
Create your first plan in minutes. Free, with no card.
Start free