Budget every rupee
with
confidence.
Moniqo is an open-source envelope budgeting app that helps you give every rupee a job before you spend it.
Everything you need to
master your money
Built on the proven envelope method. Zero-based budgeting that actually works.
Zero-based budgeting
Assign every rupee of income to an envelope before you spend it. Income minus allocations always equals zero.
Envelope budgeting
Virtual envelopes for every spending category. Move money between envelopes when plans change.
Multi-account support
Link savings, checking, and credit card accounts under one budget. Track across all of them in real-time.
Goals & savings tracking
Set savings targets for vacations, emergency funds, or purchases. Watch your progress month over month.
Privacy first
Your financial data stays yours. Self-host on your own server. No ads, no analytics, no data brokering.
Open source (GPL v3) Free forever
Fully auditable. Contribute features. Fork it. Run it anywhere. The code is on GitHub right now.
Three steps to
financial clarity
Moniqo makes zero-based envelope budgeting intuitive, visual, and stress-free.
Enter your income
Add your salary, freelance earnings, or any money that comes in. Moniqo puts it in your "To Be Budgeted" pool.
Fill your envelopes
Allocate every rupee to named envelopes: Rent, Groceries, Fun, Emergency Fund. When the envelope is empty, stop spending.
Track & adjust
Record transactions against envelopes. Move money between envelopes when life happens. Your budget reflects reality, not a spreadsheet.
Built in public.
Owned by you.
Moniqo is GPL v3 licensed. The entire codebase is on GitHub. Audit it, fork it, self-host it, contribute to it. Financial software should never be a black box.
GPL v3
License
100%
Open code
∞
Self-host
What's coming
Planning
- Savings goals
- Recurring transactions
- Scheduled transactions
- Payee management
Insights
- Spending reports
- Income vs expense reports
- Net worth tracking
- Cash flow charts
- Budget history
Productivity
- Envelope templates
- Import & export (CSV)
- Undo recent actions
- Archive accounts & envelopes
Collaboration
- Shared budgets
- Household budgeting
- Budget invitations
- Roles & permissions
Cross-platform
- Desktop app
- Mobile app
- Offline support
- Data synchronization
Start budgeting smarter
today.
Join the waitlist for early access, or explore the open-source repo on GitHub. No credit card. No lock-in.