Budgeting tools that do the math.

Monerem is a budgeting tool that runs right in your browser. Enter your income and bills, and the totals and net income update on their own. Nothing to download, and your numbers are saved to your account.

14 days free on the monthly plan. Cancel any time from your account page.

Free · no sign-up 50/30/20 budget calculator Enter your take-home pay and see how much should go to needs, wants, and savings, then compare it to what you actually spend. Try it free →

What’s inside

One membership gives you every tool, right in your browser. Nothing to download, and new tools are added as they’re built.

Monthly budget

Plan each month by paycheck. Expenses are grouped into simple sections like Bills & Housing, Food, and Transportation, each with its own subtotal, and a built-in 50/30/20 check shows how your spending splits into needs, wants, and savings.

Annual budget

Enter your income, deductions, and a full year of expenses by month. Your tithe, totals, and net income calculate themselves, and your numbers are saved to your account. Rename any category or add your own.

Debt payoff planner

List your credit cards and loans, add a little extra each month, and see the exact date you’ll be debt-free. Compare the Avalanche and Snowball methods side by side, follow charts of your progress, and get tips built from your own numbers, like which debt to pay first and how much interest you’ll save.

More tools on the way

Every new tool is included in your membership at no extra cost.

How it works

  1. SubscribePick monthly or annual and create your account.
  2. Log inOpen any tool from your phone, tablet, or computer.
  3. Fill it inType in your numbers. The math is done for you, and your entries are saved.

Pricing

Every plan includes every tool.

Monthly
$9 / month
  • Every budgeting tool
  • New tools as they’re added
  • 14 days free, then $9 a month
  • Cancel any time
Start 14 days free
Annual
$79 / year
  • Every budgeting tool
  • New tools as they’re added
  • Best value, billed once a year
  • Cancel any time
Choose annual

Questions

Do I need to download anything?

No. Monerem runs in your browser on any phone, tablet, or computer. Log in and start.

Do I need spreadsheet experience?

No. You type numbers into labeled boxes, and the math is done for you.

Is there a free trial?

Yes. The monthly plan starts with 14 days free. Cancel before the trial ends and you pay nothing.

Can I cancel?

Yes, at any time from your account page. You keep access until the end of the period you paid for.

What happens to my numbers if I cancel?

They stay saved in your account. The tools lock when your membership ends, and you pick up where you left off if you come back.