Answers for clearer money decisions.

TMonie is a financial planning and budgeting platform for important spending decisions. You can build the full cost of a purchase, trip, event or business expense, compare acting now with waiting, keep some savings available and record what actually happened later.

It is built for individuals and households planning major expenses, independent workers managing irregular income or business purchases, and small teams that need shared plans and approval records.

A calculator usually stops at a total. TMonie keeps your costs, payment dates, alternatives, reminders, shared plans and final costs together, so you can keep using the plan after the first calculation.

You can itemise major purchases, local or international trips, events, weddings, household commitments and business spend. Plans can include deposits, recurring costs, contingency, suppliers and relevant payment or cancellation deadlines.

TMonie compares the upfront cost with your accessible savings and the savings amount you choose to keep available. A waiting option can include an amount you plan to save each month and a timeframe. The assumptions stay visible so you can review them rather than treating the result as a guarantee.

Yes. Savings goals and payment dates can show how much you may need to set aside each month. Plus can add reminders and warnings when a plan may be falling behind.

Plus lets you share one selected plan with contributors or approvers without sharing the rest of your account. Business adds team planning and approval history.

Free includes the complete core planning loop and one active plan. Plus adds unlimited active plans, reminders and shared planning, and the Independent workspace for quotes, invoices, projects, expenses and tax estimates. Business adds supplier bills, purchase orders, team planning and approvals for up to 5 users. Business Plus includes the same workspace tools for up to 15 users, owner included, at one predictable subscription price without per-user add-ons.

No. TMonie helps organise records, approvals, reconciliation, forecasts and management reports, but it does not maintain balanced double-entry books, submit tax or company filings, perform an audit, or make accounting judgements. Multi-currency amounts are kept separate rather than converted. You can operate the tools without an accountant, but should seek qualified review before using outputs for statutory filings or where your circumstances require it.

No. TMonie works with information you choose to enter, so a bank connection is not required. Privacy controls, data export and account deletion remain available without a paid subscription.

No. TMonie does not hold customer funds, initiate transfers or make purchases. You continue to save and pay through the financial services you already use. If you turn on online invoice payments, your customers pay you through your own Stripe account and the money goes straight to you, never through TMonie.

No. TMonie explains planning scenarios based on your inputs, but it does not provide credit, recommend financial products, file accounts or taxes, or give regulated financial advice. You remain responsible for checking the figures and making the final decision.

Email support@tmonie.com for account or product help. Never send a password, PIN, card details or one-time security code. You can also review the product status page.