EXPLORE TMONIE
Choose the workspace that matches how you manage money.
TMonie keeps Personal, Independent and Business needs connected to the same planning and decision-support engine without forcing every tool onto every user.
Personal
Plan household money, savings goals and important costs before you commit.
Independent
For freelancers, creators and sole traders who need planning plus lightweight client and project workflows.
Dashboard
See work, income, costs and financial position together.
Projects
Plan budgets, costs and project outcomes.
Quotes
Create and revise quotes before work starts.
Invoices
Create clear branded customer invoices.
Regular payments
Track repeating costs and due dates alongside planning.
Expenses
Record non-recurring work costs.
Financial reports
Review cash flow, bank transactions, reconciliation and financial position.
Business
Coordinate spending and approvals without turning TMonie into complicated accounting software.
Dashboard
See business money, work, commitments and approvals together.
Projects
Keep project budgets and costs visible.
Quotes
Prepare customer quotes within the business workspace.
Supplier bills
Organise supplier bills, approvals and due dates.
Purchase orders
Authorise supplier spending before bills arrive.
Team & approvals
Give business users the right level of access.
Invoices
Create customer invoices as part of the wider workflow.
Financial reports
Review cash flow, bank transactions, reconciliation and business commitments.