Monni: Spending Room

Your bank balance is not what you can spend. Monni calculates a Spending Room estimate from the cash and expected income it can see, then subtracts rent, bills, card payments, loans, and the cushion you choose. Moments explain what changed, while Flow shows what is coming before your next decision. SPENDING ROOM, BUILT FOR REAL LIFE - See the cash and expected income Monni can count - Keep upcoming obligations and your cushion visible - Choose a 7, 14, or 30 day view - Add a missing bill, payday, purchase, or cushion and refresh the estimate BILLS & PAYDAYS IN ONE FLOW - See upcoming bills, income, card payments, and recent activity on one timeline - Review the source behind each planned item - Start manually or connect supported accounts for read-only updates WHY IT CHANGED - Read plain-language Moments about spending and money movement - Review weekly and monthly recaps - Trace explanations back to the activity Monni used YOUR BROADER MONEY PICTURE - Keep accounts, cash, assets, debts, investments, and net worth in Vault - Track transactions, statements, assets, and liabilities manually - Use Investments and Net Worth as longer-term context, separate from near-term Spending Room Monni is built for people who want money clarity without maintaining a spreadsheet budget. Start manually, connect accounts when ready, and check what is already spoken for before you spend. Spending Room is an estimate based on what Monni can see. Monni is a read-only financial clarity app. It cannot move money, make payments, trade securities, or provide financial, investment, tax, or legal advice.