01BUDGET
See where you stand
Add what comes in, monthly bills, occasional payments and everyday essentials so you can see what is left.
TMonie Money Planner
Understand the impact before you commit. See what comes in, what must go out, and what a purchase, trip, fee or other important cost could mean for your plans.
No bank connection is required. TMonie does not currently hold or transfer your money, provide credit or give regulated financial advice.
How TMonie works
From your money to a clearer decision.
See where you stand, save for what matters, plan the full cost and understand the impact before you commit.
02SAVE
Protect what matters
Create savings goals and choose the savings target you want your plans to respect.
03PLAN
Build the full cost
Bring the complete cost of a purchase, trip, fee, event or business expense into one plan.
04DECIDE
Check decision readiness
See transparent checks for cost, available money, timing, your savings buffer and competing plans and goals before you commit.
05TRACK
Keep the plan moving
Follow deadlines, reminders, shared-plan feedback and progress after the decision.
06REVIEW
Record what happened
Compare the outcome with the original plan so the next decision starts with better context.
Built for recurring decisions
One planning engine, three ways to work.
Households
Moves, weddings, holidays, vehicles, renovations and other commitments that are too important for a rough spreadsheet.
Independent workers
Equipment, training, travel and changing income with a clearer view of what is affordable and when.
Small teams
Shared business purchases with owners, contributors, approvers, deadlines and an attributable decision history.
Tools connected to your plans
Keep money coming in and money going out visible.
Invoices, bills and business tools support the Money Planner by keeping commitments, deadlines and outcomes connected.
INVOICE BUILDER
Create a clear invoice in minutes.
Add your logo, business or personal details, customer information, item descriptions, quantities, unit prices, tax, discounts and payment terms. Print the finished invoice or save it as a PDF.
Explore invoicingBILL MANAGEMENT
Know what needs to be paid next.
Record supplier bills, due dates, amounts and approval status so you can see what needs to be paid next.
Explore bill managementUseful for free, more powerful when you need more
Start with the essentials. Upgrade when planning becomes ongoing or shared.
Free covers the complete core planning cycle. Plus adds unlimited plans, scenario comparisons, reminders and sharing. Business adds bills, approvals and team spending controls.
TMonie Free
Build a complete plan, compare now versus wait, track a goal and record the outcome. No card required.
View Free →TMonie Plus
Use unlimited plans, reminders, reusable templates, scenario comparisons, shared planning and deeper decision support.
View Plus →TMonie Business
Manage team spending, supplier bills, approvals, invoices and business planning in one place.
View Business →Start with a real decision
Before you commit, make the whole plan visible.
Create a complete purchase, trip, event or business spend plan without adding a card.
Start planning free