Add accounts
Name each card, bank account, or cash source so activity stays easy to review.
Local-first budget clarity
A clear monthly budget ledger for real household spending.
MonthSum helps you turn card and bank activity into a readable month-by-month picture of income, fixed bills, variable spending, and remaining income—without connecting to your bank.
No bank login. No ads. No transaction upload. Your private budget data stays on your device.
September 2026Saved locally
Income$10,163
Fixed$4,758
Variable$2,227
Remaining$3,177
GroceriesEating OutHealthHousehold
What it is
Built for people who want control without a bank connection.
- Import CSV or Excel activity exported from your bank or card
- Paste recent activity before statements are ready
- Review income, fixed bills, variable spending, and monthly plans
- Keep your budget data local on your Mac
How it works
Import or paste
Map statement columns once, then review transactions before they enter your ledger.
Adjust categories
Fine-tune categories, recurring bills, and applied months as real life changes.
Read the month
See fixed spending, variable spending, income, remaining income, and category trends in one place.