Monatry Alpha

Private Alpha Programme

Your money. Your future. Forecasted.

Monatry helps you understand tomorrow's finances, not just today's balance.

Forecast your cashflow, see the impact of upcoming income and bills, and plan ahead with confidence.

Access Monatry Alpha What to expect

Early access for invited alpha users. Your feedback will help shape Monatry.

Monatry app screens showing a cashflow dashboard, item list and forecast view
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See the big picture

Interactive dashboards and forecasts give you clarity over your future cashflow.

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Plan with confidence

Understand the impact of upcoming income, bills and spending before they happen.

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Stay in control

Spot potential shortfalls early and make informed decisions with confidence.

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Built for real life

Designed around recurring income, regular bills, one-off items and savings movements.

Product comparison

How Monatry is different.

Most finance apps help you understand where your money went. Monatry is being built to show where your money is heading, with practical cashflow forecasting for real households.

Alpha positioning: this comparison is designed to help early testers understand what Monatry is aiming to do. Pricing is indicative and should be checked with each provider before making decisions.
Product Typical focus Pricing snapshot Forward cashflow forecast Low-balance warning Manual setup without bank linking Monatry view
Monatry Future cashflow, bills, income and planning confidence Alpha invite-only. Planned Free + Plus model, with Plus assumption around £3.99/month. Yes 30-day to 12-month views Yes lowest balance, safe period and funding pressure Yes manual-first, with Open Banking planned for Plus The core product is forward-looking forecasting rather than retrospective spending analysis.
Snoop Open Banking, spending insights, bills and savings suggestions Free with paid Plus tier, typically around the low single-digit £/month range. Partial useful money insights, but not Monatry-style forecast modelling Partial some bill and balance awareness No primarily bank-link driven Strong validation that people want financial certainty, but Snoop is more spending-insight led.
Emma Account aggregation, budgeting, subscriptions and spending categories Free with multiple paid tiers, commonly starting around £4.99/month. Partial planning and budget visibility, but not the same cashflow-first model Partial balance and spend tracking can help identify risk No mainly Open Banking led Useful for tracking accounts and spending; Monatry is intended to answer “what happens next?”
YNAB Zero-based budgeting and active category management Paid subscription, commonly sold monthly or annually. No budget-led rather than forecast-led Partial depends on user-maintained budget discipline Yes manual entry supported Powerful for budgeting, but Monatry is designed for future balance projection and cashflow timing.
PocketSmith Financial calendar, forecasting and scenario planning Free/basic options plus paid tiers, generally higher priced than simple UK budgeting apps. Yes one of the closest functional competitors Yes forecasting can surface future pressure points Yes manual and connected workflows The closest direct comparator, but Monatry aims to be simpler, more focused and UK household friendly.
Moneyhub Open Banking, full financial picture and professional-grade aggregation Low-cost subscription model with monthly/annual options. Partial broad financial visibility rather than focused household cashflow Partial depends on usage and connected accounts No primarily connected-account led Strong aggregation platform; Monatry is intended to be more forecasting-led and easier for Alpha households.
Plum Automated saving, investing and money movement Free with paid tiers for additional features. No not primarily a cashflow forecasting tool No not the central proposition No connected-account led Useful for automation and saving habits; Monatry is about visibility before decisions are made.

Monatry

Alpha

Focus: Future cashflow, bills, income and planning confidence.

Pricing: Alpha invite-only. Planned Free + Plus model, with Plus assumption around £3.99/month.

  • Yes 30-day to 12-month forecast views
  • Yes lowest balance, safe period and funding pressure
  • Yes manual-first, with Open Banking planned for Plus

Forward-looking forecasting, not retrospective spending analysis.

Snoop

Focus: Open Banking, spending insights, bills and savings suggestions.

Pricing: Free with paid Plus tier, typically around the low single-digit £/month range.

  • Partial useful money insights, but not Monatry-style forecast modelling
  • Partial some bill and balance awareness
  • No primarily bank-link driven

Strong validation that people want financial certainty, but more spending-insight led.

Emma

Focus: Account aggregation, budgeting, subscriptions and spending categories.

Pricing: Free with multiple paid tiers, commonly starting around £4.99/month.

  • Partial planning and budget visibility, but not the same cashflow-first model
  • Partial balance and spend tracking can help identify risk
  • No mainly Open Banking led

Useful for tracking accounts and spending. Monatry is intended to answer “what happens next?”

YNAB

Focus: Zero-based budgeting and active category management.

Pricing: Paid subscription, commonly sold monthly or annually.

  • No budget-led rather than forecast-led
  • Partial depends on user-maintained budget discipline
  • Yes manual entry supported

Powerful for budgeting, but designed around categories rather than future balance projection.

PocketSmith

Focus: Financial calendar, forecasting and scenario planning.

Pricing: Free/basic options plus paid tiers, generally higher priced than simple UK budgeting apps.

  • Yes one of the closest functional competitors
  • Yes forecasting can surface future pressure points
  • Yes manual and connected workflows

The closest comparator, but Monatry aims to be simpler and UK household friendly.

Moneyhub

Focus: Open Banking, full financial picture and professional-grade aggregation.

Pricing: Low-cost subscription model with monthly/annual options.

  • Partial broad financial visibility rather than focused household cashflow
  • Partial depends on usage and connected accounts
  • No primarily connected-account led

Strong aggregation platform. Monatry is intended to be more forecasting-led.

Plum

Focus: Automated saving, investing and money movement.

Pricing: Free with paid tiers for additional features.

  • No not primarily a cashflow forecasting tool
  • No not the central proposition
  • No connected-account led

Useful for automation and saving habits. Monatry is about visibility before decisions are made.

The Alpha Programme

Help shape Monatry from the ground up.

The Alpha is an early version shared with a small group of testers. It should already be useful, but it will change quickly as features are tested, refined and improved.

What is Alpha?

  • Early development version
  • Features may change
  • Occasional bugs expected
  • Not intended as your sole financial record

What we're testing

  • Forecast accuracy
  • Ease of use
  • Visual design
  • Feature priorities

Feedback we need

  • Bugs or unexpected behaviour
  • Anything confusing or awkward
  • Missing payment patterns
  • General impressions

Inside Monatry

A simple view of what comes next.

Monatry dashboard screen
Dashboard overview
Monatry forecast screen
Day-by-day forecast
Monatry income and expenses screen
Income, bills and future spending

Alpha notice

A small private trial, not a finished financial product.

Monatry Alpha is an invitation-only testing programme. It is currently under active development, so features may change and occasional bugs should be expected.

Please do not rely on Monatry as your sole financial record. Keep your own records and independently verify important financial decisions.

Before using the Alpha

  • Please do not publicly distribute screenshots, downloads or access links without permission.
  • Feedback and suggestions you provide may be incorporated into future versions of Monatry.
  • The Alpha is provided for testing and feedback only. It is not financial advice.

What's new

Alpha-ready and actively improving.

The current Alpha is focused on improving the testing experience, tightening the import flow and making the data management area clearer for early users.

Recent Alpha improvements

  • Clearer backup, import and export flows.
  • Import Preview now appears only when preview data exists.
  • Advanced Tools are kept separate from normal user flows.
  • Cleaner mobile import flow: import, preview and confirm now sit together.
  • General Alpha readiness refinements and regression checks.

Access Monatry Alpha

Choose how you'd like to use Monatry Alpha on your device.

Monatry Alpha runs as a secure web app. Use it in your browser, or install it to your phone or tablet home screen so it feels like a normal app.

Open inWeb browser

Journey to launch

Building Monatry together

You're helping shape Monatry from the very beginning.

Founding Alpha Tester

You're among the first people helping shape Monatry.

Every suggestion, bug report and idea helps influence what gets built next.

1 In progress

Alpha · Now

You're here

Help us refine the experience through real-world cashflow testing.

Focus areas

  • Forecast accuracy
  • Ease of use
  • Feature priorities
  • Feedback from real households
2 Next

Beta · Coming next

Wider testing

Expanding the programme to a wider group of testers.

Planned enhancements

  • Improved onboarding
  • Wider testing
  • Better guidance and help content
  • Release process improvements
3 On the horizon

Public launch · Looking ahead

Open to everyone

Preparing Monatry for broader availability.

Future ambitions

  • Free and Plus plans
  • Open Banking integration
  • App Store readiness
  • Continued development shaped by users

Thank you for being part of Monatry's story from the very beginning.

Access Monatry Alpha