Your complete guide to a clearer month.

Introduction

What Monthli does

Monthli is a salary-first budgeting app. You enter the money available for a month, add savings and regular bills, then record spending as it happens. Monthli continuously calculates what is left now and what should remain after unpaid bills and savings.

The five main areas

Getting started

Set up your first month

1. 1
   Sign in.

   Use Apple, Google, or an email magic link. A magic link signs you in without a password.

2. 2
   Complete the app tour.

   Tap Next to learn what Home, Add, Plan, Log, and Profile do. You can replay the tour from Profile.

3. 3
   Open Plan.

   Choose the month, enter your salary, an optional savings target, and any carry-over money.

4. 4
   Add fixed bills.

   Add the bill name, expected amount, due day, and group. Save the plan when it looks right.

5. 5
   Record spending.

   Use Add whenever you spend. Home and Log update automatically.

Sign-in and backup

Account and automatic cloud sync

Your Monthli account keeps your budget separate from every other user. After sign-in, the app loads only the personal or family budget connected to that account.

Sign-in choices

• Continue with Apple: use your Apple account on supported devices.
• Continue with Google: use your Google account.
• Email magic link: enter your email, open the secure link on the same device, and return to Monthli.

How cloud sync works

• Every saved change is synced securely to Supabase.
• Signing in again restores the latest cloud budget automatically.
• Profile details, including your phone number, are saved with your account.
• Family members connected to the same family budget see the shared changes.

There is no manual local backup or restore process. Cloud sync is designed to happen automatically while you are signed in and connected to the internet.

Home

Understand your dashboard

The Home screen answers two different questions:

• Salary remaining now: salary and carry-over minus spending and bills already marked paid.
• Expected left: the projected amount after remaining bills and the savings target are included.

Summary cards show salary, fixed commitments, spending, savings, and bill progress. “Bills still to pay” highlights upcoming items so you can see what is due without opening the full plan.

Plan

Salary, savings, carry-over, and monthly history

Plan fields

• Salary: the income available for the selected month.
• Money to save: an optional savings goal deducted from the projected amount left.
• Carry-over money: optional money brought forward from outside the current salary.
• Month: the month whose plan you are viewing or editing.

When your salary changes

Change the salary in the month when the new amount begins. Previous months keep their original salary, while the new salary is used for that month and upcoming months. This keeps reports and past balances historically correct.

Tap Save plan after changing salary, savings, carry-over, or month-specific information.

Fixed expenditure

Manage recurring monthly bills

Fixed bills are recurring commitments such as rent, utilities, subscriptions, school fees, loan payments, or insurance. Each entry includes a name, amount, due day, and group.

Add a fixed bill

1. Open Plan and tap the new-bill button.
2. Enter the bill name, amount, due day from 1 to 31, and category group.
3. Save the bill, then save the plan.

Update, pay, or remove a bill

• Edit an entry when its expected amount or due day changes.
• Mark it paid when the payment is complete; Home updates the bill progress.
• Use the remove action on the bill entry to delete a fixed expenditure you no longer need.

A bill change takes effect from the selected month forward. Older months retain the amount that applied at the time, so a DEWA bill changing from AED 250 to AED 350 does not rewrite last month.

Bill assistant

Automatic bill detection

Monthli can find a provider, amount, and due date from supported bill sources. It creates a suggestion first; your plan changes only after you review and approve it.

Reviewing a suggestion

1. Open Plan and connect the supported source for your platform.
2. Run a scan or allow the automatic check to complete.
3. Review the detected provider, amount, and due date.
4. Approve the suggestion to add a bill or update it from the applicable month.
5. Dismiss anything you do not want to use.

Add

Record everyday spending

Use Add for variable purchases such as groceries, fuel, dining, shopping, transport, or entertainment. Enter the amount, select a category, add an optional note, and choose the date.

• The date defaults to the relevant current date but can be changed.
• Notes help identify a transaction later and may be left blank.
• Saving immediately updates Home, the current balance, and the spending log.
• Open a log entry to review its full details.

Log

Review and download your spending

Log lists the selected month’s spending and total. Use the category filter to focus on one type of spending or return to all categories for the complete list.

Download list

Tap Download list to create a file containing the visible spending list. On a phone, use the system share or save sheet to store it in Files or send it to another app. If a category filter is active, check the downloaded content before sharing it.

Shared budgeting

Share a budget with a family member

A family budget lets two or more signed-in members view and update the same salary, bills, and spending. Changes made by one member sync to the others.

Invite someone

1. Open Profile and find Family budget.
2. Tap Invite a family member.
3. Share the generated eight-character invite code. The code remains valid for seven days.
4. The family member signs in to their own Monthli account, enters the code, and taps Join budget.

Each person keeps their own sign-in and profile. The budget data is shared; personal authentication details are not.

Notifications

Salary, bill, and weekly reminders

Reminder controls are available in Profile:

• Salary day reminder: uses the salary paid day saved in your profile.
• Bill due reminders: alerts you before planned bills are due.
• Weekly money check: prompts you to review spending and the amount left.

The mobile app requests notification permission when required. Reminders cannot appear if notifications are denied or disabled for Monthli in the phone’s system settings. Changing the payday, bill schedule, or reminder switch updates the scheduled notifications.

Profile

Personal details, photo, and security

Profile details

Save your name, email, phone number, country, currency, and salary paid day. Your country and currency control how values are presented. A selected profile photo is fitted into the avatar frame so the whole image is represented without anchoring it to the top-left corner.

Security and access

• Enable device protection to require the phone’s unlock method before opening budgets where supported.
• Review the active device shown in Profile.
• Open the profile icon menu to sign out safely.

Data and support tools

• Download my data: export a copy of your Monthli information.
• Terms: open the current terms of use.
• Contact support: get help from PlushRoad.
• Show app tour: replay the first-time walkthrough.
• Reset this phone: clear Monthli’s local state on the current device; use with care.

Privacy

How Monthli handles your data

• Account and budget records are stored in Supabase and scoped to the correct account or family budget.
• Android SMS access is optional and used only for bill-related detection.
• Gmail access is optional and read-only; Monthli cannot send, edit, or delete email.
• Automatic detection saves structured bill suggestions rather than full message or email content.
• You decide whether to approve a detected bill change.
• You can download your data and request account deletion.

Help

Troubleshooting

Still stuck? Visit Monthli Support or email support@plushroad.com.

FAQ

Frequently asked questions

Does Monthli add a default salary?

No. A new account begins blank so you can build an accurate budget.

Will changing my salary rewrite previous months?

No. The new value applies from the month you change it, while earlier months keep their historical salary.

Can my spouse update our budget?

Yes. After joining the same family budget, both members can view and update the shared salary, bills, and spending.

Does iPhone read my text messages?

No. iPhone does not provide Monthli with SMS inbox access. The iPhone bill assistant uses an optional read-only Gmail connection.

Is backup automatic?

Yes. Signed-in changes sync to Supabase automatically and restore when you sign in again.