Question 1

How secure is my financial data on monthtomonths?

Accepted Answer

Your data is encrypted at rest and in transit using industry-standard protocols. We follow strict internal security measures, conduct regular security reviews, and never sell or share your financial data with third parties. While we are not end-to-end encrypted, your data is protected by the same standards used by major financial institutions.

Question 2

Is monthtomonths really free?

Accepted Answer

Yes. The free tier includes unlimited expense and income tracking, custom spending categories, split expense management, financial health scores, PDF and Excel export, and charts and analytics. There is no trial period and no credit card required. The Pro plan adds multi-month history, AI imports, and budget goals for users who want more advanced features.

Question 3

How does the AI Import feature work?

Accepted Answer

AI Import is a Pro feature that lets you upload bank statements (PDF or Excel), photos of receipts, screenshots of expenses, or even pictures of handwritten notes. Our AI reads the content, extracts transaction details, and automatically categorises items into your spending categories. You review everything before it is saved — nothing is added to your records without your approval.

Question 4

Can I export my data?

Accepted Answer

Absolutely. Both free and Pro users can export their financial data to PDF and Excel formats at any time. Your data is always yours, and you can take it with you if you ever decide to leave. We believe in zero lock-in — you should never feel trapped by a financial tool.

Question 5

How does bill splitting work?

Accepted Answer

The Split feature lets you assign shared expenses to specific people, track who has paid what, and see the running balance at a glance. It is perfect for housemates, couples, travel groups, or anyone sharing regular expenses. You can split equally or assign custom amounts to each person.

Question 6

Does monthtomonths support multiple currencies?

Accepted Answer

Yes. monthtomonths supports multiple currencies including GBP, USD, EUR, and many more. You can set your preferred currency in your account settings, and all amounts will be displayed accordingly. This makes it ideal for expats, travellers, or anyone managing money across borders.

Question 7

What is the Financial Health Score?

Accepted Answer

The Financial Health Score is a dynamic rating that evaluates your overall financial wellbeing based on your spending patterns, income-to-expense ratio, savings rate, and budget adherence. It gives you an at-a-glance understanding of your financial position and tracks how it changes over time.

Question 8

Can I cancel my Pro subscription anytime?

Accepted Answer

Yes, you can cancel at any time with no penalties or hidden fees. When you cancel, you retain access to Pro features until the end of your current billing period. Your data remains accessible, and you can always export it. You can also downgrade to the free tier and continue using monthtomonths without any interruption.

Question 9

How is monthtomonths different from other budgeting apps?

Accepted Answer

Most budgeting apps are built for advertisers or rely on selling your data. monthtomonths is built for you — no ads, no data selling, no complex integrations you never asked for. The interface is designed for speed and clarity, with a focus on what actually matters: understanding where your money goes and making better decisions.

Question 10

Do you connect to my bank account?

Accepted Answer

No. monthtomonths does not connect to your bank account directly. Instead, you can manually enter transactions for full control, or use AI Import (Pro) to upload bank statements and receipts. This approach gives you maximum privacy while still making data entry fast and easy.

Question 11

What devices can I use monthtomonths on?

Accepted Answer

monthtomonths is a web application that works on any device with a modern browser — desktop, laptop, tablet, or phone. It is fully responsive and optimised for all screen sizes. Your data syncs in real-time across all your devices.

Question 12

How do I get started?

Accepted Answer

Simply create a free account at monthtomonths.com/signup. No credit card required. You can start tracking your expenses and income immediately. Set up your spending categories, add your first entries, and you will have a clear picture of your finances within minutes.

Frequently Asked Questions

Still have questions?