Monthline Logo Monthline
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Now in private iOS beta · review-first money
See the month before it hits.

Your bank app shows the past. Monthline shows the day your cash runs out.

The past is the bank's job. The future is yours. Day Zero is the output. Monthline drafts the picture. You confirm every number.

Start manually · no bank login required

Speak your facts.
Monthline 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.

You have the last word on every number. Only what you confirm counts as Confirmed. Your bank suggests. You decide.

Track your
Day Zero.

Instead of telling you that you overspent yesterday, Monthline projects forward. Monthline calculates your Day Zero — the exact upcoming day where your projected cash runs out.

✓ +$2,480 Confirmed
Maybe money ~$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
🔒 Your voice never leaves your phone.
⚠️ 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
Now in private iOS beta · review-first money
See the month before it hits.

Your bank app shows the past. Monthline shows the day your cash runs out.

The past is the bank's job. The future is yours. Day Zero is the output. Monthline drafts the picture. You confirm every number.

Interactive Demo

Try Voice to Runway right now

Tap the mic below to simulate speaking your financial facts. Watch Monthline 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.
🔒 Transcription and draft extraction run on your iPhone.
Your financial statements stay on your device
✓ Monthline 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.

Core Capability
Our Approach
Monthline
 Auto-Sync Dashboards
e.g. Monarch
 Strict Budgeting
e.g. YNAB
Transaction Control
How data enters your runway
✓ Review-first: You confirm every single line
✕ Blindly trusts raw bank feed
✕ Manual entry or forced auto-sync
Certainty Granularity
Handling expected vs. maybe cash
✓ Granular: Separates Confirmed, Expected, & Maybe
✕ Mixes immediate cash with "maybe" money
✕ Only budgets money you have right now
Forecast Horizon
Primary view & danger alerts
✓ Forward-looking: 30-day Day Zero runway projection
✕ Mostly backward-looking charts
✕ Rigid zero-based category rules
Integration & Setup
Bank sync & entry flexibility
✓ Flexible: Start manual or use optional 1-click sync
✕ Shares credentials via aggregators
✕ Shares credentials via aggregators
Swipe capabilities → Horizontal Comparison
Transaction Control
How data enters your runway
1 / 4
Our Approach
Monthline
✓ Review-first: You confirm every single line
Auto-Sync (e.g. Monarch)
✕ Blindly trusts raw bank feed
Strict Budgeting (e.g. YNAB)
✕ Manual entry or forced auto-sync
Certainty Granularity
Handling expected vs. maybe cash
2 / 4
Our Approach
Monthline
✓ Granular: Separates Confirmed, Expected, & Maybe
Auto-Sync (e.g. Monarch)
✕ Mixes immediate cash with "maybe" money
Strict Budgeting (e.g. YNAB)
✕ Only budgets money you have right now
Forecast Horizon
Primary view & danger alerts
3 / 4
Our Approach
Monthline
✓ Forward-looking: 30-day Day Zero runway projection
Auto-Sync (e.g. Monarch)
✕ Mostly backward-looking charts
Strict Budgeting (e.g. YNAB)
✕ Rigid zero-based category rules
Integration & Setup
Bank sync & entry flexibility
4 / 4
Our Approach
Monthline
✓ Flexible: Start manual or use optional 1-click sync
Auto-Sync (e.g. Monarch)
✕ Shares credentials via aggregators
Strict Budgeting (e.g. YNAB)
✕ Shares credentials via aggregators

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. Expected 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. You can join the waitlist here.

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