Monthly Shell
One number that matters.
Monthly Shell is a budgeting app that wants nothing from you. No bank login. No account. No ads. You type what you spend, it shows you what's free to spend — and every month starts clean.
Your number, front and centre.
Free to Spend is your income minus what you've spent and set aside. Not a balance. Not a projection you have to decode. One number, recalculated the moment you log something.
Three seconds to log.
Open, tap the amount, done. Add a tag if you feel like it — untagged is a perfectly good answer. Or point the camera at a receipt and let your phone read the amount. The photo never leaves your device.
A coach that stays quiet.
The turtle speaks when something's genuinely worth knowing — a budget drifting, a bill that won't quite clear, a habit you might not have noticed. One message a day, maximum. Five voices, from warm to nearly silent. You can turn it off completely.
See where you're headed.
A calm line of your month: what came in, what went out, and where that leaves you. Scrub any day with a finger. No candlesticks, no jargon — it's your money, drawn simply.
Nothing red. Ever.
Going over budget is information, not a moral failing. Monthly Shell has no alarms, no streaks to break, and no shame anywhere in it.
Your data stays yours.
Everything lives in a file on your phone. There's no server to breach, nothing to sell, nobody watching. Export it all to CSV whenever you like. Delete the app and it's genuinely gone.