About the product

What you can do with TMonie

Last updated: 5 September 2026

TMonie helps individuals, households, independent workers and small businesses organise everyday money, savings goals, purchases, trips, bills and important payment dates in one place.

Plan your money

• Record your income, fixed monthly bills, occasional payments and everyday essentials.
• See how much may be left after the bills, payments and essential expenses you entered.
• Choose an essential-expense buffer and how much of your available monthly money you want to set aside towards it.
• Create savings goals and record money you set aside in your own accounts.

Plan purchases, trips and other costs

• List the full cost of a purchase, trip, event, household expense or business need.
• Include deposits, fees, repeat costs and important payment dates.
• Compare buying now with waiting.
• Save the result and record what actually happened later.

Stay organised

Depending on your plan, TMonie can also provide reminders, several active plans, shared planning, lightweight quotes and invoices, projects, supplier bills, purchase orders and approval workflows.

Money transfers

TMonie does not currently hold or transfer your money. You continue to save and pay through the bank or financial service you already use. Your TMonie savings and funding entries are planning records only.

What TMonie is not

TMonie does not provide loans, accounting or tax filing, recommend financial products or give personalised regulated financial advice. The figures you see are based on the information you enter, so you should review them before making a decision.