Know what's safe to spend today.
Escape the rigid monthly cycle. Define your bills once, easily add one-off expenses anytime, and Monilibrium projects your future cash flow — giving you an accurate, rolling forecast of what’s safe to spend.
no bank connection · your numbers stay yours
Three things, then one safe number
Most budgeting apps make you fit their model — Monilibrium fits yours.
Tell it about your money
Your paydays, your bills, and a few flexible spending buckets. Rough numbers are fine — you can mark a bill as “about $85.”
It looks months ahead
Every payday and bill lands on one timeline — as far out as you choose — so the lowest upcoming dip is flagged before it happens.
You get one safe number
Safe to Spend is what you can use today — for takeout or extra debt payoff — without causing a problem later.
What's inside
Money apps love jargon. Monilibrium keeps five plain ideas, and defines every one.
One number that tells you what you can use today without causing a problem later.
Flexible spending set aside in advance — like envelopes, without the cash.
Fixed or estimated, on whatever schedule it really keeps — every bill lands on the timeline.
The months ahead on one line — with the lowest dip flagged before it happens.
Bills that land as planned record themselves. You only step in when reality differs.
Why this exists
It's how my wife and I got out of debt: every dollar we knew was truly safe to spend, we sent at the debt.
— Jordan, who built this
Read why I built this →Built to be trusted with less
We don’t sell your data. Not now, not later, not to anyone.
There is no version of Monilibrium where your plan becomes someone else’s product. Not sold, not shared with partners, not licensed, not used to train anything, not turned into ads. It’s the one commitment everything below exists to back up.
Zero spam, ever.
No newsletter. No “tips.” No “we miss you.” No marketing email, ever — and there’s no mail service connected to Monilibrium to send one with.
Read the promiseDelete means deleted
No 30-day grace period, no “deactivated” state, no copy kept for later. One tap in Settings erases every plan, transaction, payee, and category in a single database transaction — right then. Two honest exceptions: the security log keeps your account ID, never amounts or labels; and encrypted backups age out within 7 days.
How deletion worksYour numbers never leave
The promise above, made concrete: no amount, balance, payee, or category label is ever sent to an analytics, error-monitoring, or logging service. Your numbers stay in our own database and nowhere else.
What we collectNo bank connection
You never hand over bank credentials, because Monilibrium never asks for them. You tell it about your money; it never touches your money.
SecurityReady to see your number?
Look around first, or sign in with Google. Setup takes about ten minutes.
Free while in beta. Core budgeting will always be free.