Monthline Logo Monthline
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Now in private iOS beta · review-first money

See the month before it hits.

Monthline shows the income, bills, and card pressure you can actually count on — before the month lands. AI drafts the picture. You confirm every number.

Join the beta waitlist
Start manually · no bank login required

Speak your facts.
AI drafts.

Whether you're at your desk or on a walk, just hit record. Talk naturally about your cash, upcoming bills, invoices, and minimum payments. Monthline extracts the facts into editable drafts.

Predict the exact
cash squeeze.

Instead of telling you that you overspent yesterday, Monthline projects forward. The Danger Date warns you of the exact upcoming day where your projected cash drops dangerously low.

✓ +$2,480 Confirmed
Estimated ~$1,150
Danger date · Oct 18
Maybe-money · $900
Rent -$2,100 · the 1st
🎙️ Processing audio...
✨ Extracted: Rent -$1,200
"I have 2k in checking"
⚡ Parsed in 0.8s
🔒 100% On-device
⚠️ Alert: Balance drops to $180
📅 Jul 12 is tight
💡 Delay Chase payment?
+$900 padding needed
Next 14 days safe
Runway Today Voice to Runway Danger Date
Interactive Demo

Try Voice to Runway right now

Tap the mic below to simulate speaking your financial facts. Watch AI extract draft rows and calculate your runway.

New flow

Talk through what you know

Cash, bills, income, card minimums, subscriptions, and scary dates.

Tap to try!
Transcript

Waiting for voice input...

0 drafts found
Confirm all
No drafts yet. Tap microphone above.

Monthline Makes Uneven Income Completely Predictable

Stop Guessing, Start Knowing: Exactly Where Every Dollar Will Be Next Month.

Creators and Freelancers
Creators & Freelancers
Model net-30 client invoices, sponsorship payouts, and uneven project retainers.
Indie Founders
Indie Founders
Track Stripe payout variance, server overhead drag, and course launch expectations.
Independent Earners
Independent Earners
Model unpredictable commission checks, large gig payouts, and seasonal income variance.
Authentic Product Interface

Built for iPhone, first.

Voice to Runway Screen
Voice to Runway
Speak your facts naturally
Review Queue Sheet
Review Queue
Review before entries enter truth
Danger Date Screen
Danger Date Tracking
Pinpoint cash squeeze points
🔒 100% Local-First
Your financial statements stay on your device
✓ AI Drafts. You Confirm.
Nothing touches your ledger automatically
⚡ No Bank Sync Needed
Start in seconds with manual voice or text entries
Why we're different

Most apps auto-sync. We hand you the pen.

Auto-categorized bank feeds are confident and often wrong. Monthline labels every assumption and waits for you to confirm.

Typical budgeting app
✕ Guesses your categories & forces budgets
✕ Counts "maybe" money as immediate cash
✕ Looks backward at last month's spending
✕ Trusts the raw bank feed blindly
Monthline
✓ You confirm every single line
✓ Separates Confirmed, Estimated, & Maybe
✓ Shows the forward 30-day runway
✓ Review-first — nothing enters truth until you confirm
Questions & Answers

Frequently Asked Questions

Does Monthline require me to connect my bank account? +
No, Monthline is designed for you to start completely manually. You can type or use local voice input to capture your financial facts without ever linking a bank account. Optional bank evidence sync is available later for users who choose to opt in.
Where are my voice recordings processed? +
Your voice recordings are processed locally on your iOS device. Audio files never leave your phone. If you enable network AI parsing in Settings, only selected text snippets are sent to create review drafts.
What is "Conservative Runway"? +
Conservative runway calculation only factors in cash that you have explicitly verified and confirmed. Estimated payments or "maybe-money" are kept in view but ignored from your primary runway safety metric until they land.
Is the private beta free to join? +
Yes! The iOS TestFlight beta is 100% free for early adopters.

See the month before it hits.

Start manually in minutes, connect accounts when you're ready, and never get surprised by your month again.

iPhone only for now · no bank login required to start · your data stays on device