How much does MonkeyLedger cost?

MonkeyLedger offers a 30-day free trial with full access to all 17 features. After the trial, MonkeyLedger Pro costs A$4.99 per month, A$24 per 6 months (A$4.00/mo), or A$39 per year (A$3.25/mo — best value). No lock-ins, cancel any time. Your data stays in your own Google Drive regardless of plan.

Where is my financial data stored?

All your financial data is stored exclusively in your own Google Drive account. MonkeyLedger has no server and never transmits your data to any third party. When you use AI features, only anonymised spending category totals are sent to the Groq API — no transaction descriptions, merchant names, or personal information.

What is the best Frollo alternative in Australia?

MonkeyLedger is a free Frollo alternative for Australians. It offers budget tracking, spending categorisation, bank statement import (CSV and PDF), AI-powered insights, and a debt planner — all without a subscription. Unlike Frollo, your data never leaves your Google Drive account.

Does MonkeyLedger work in New Zealand?

Yes, MonkeyLedger fully supports New Zealand users. It includes NZD currency formatting, KiwiSaver tracking and contribution projections, and AI financial advice that references New Zealand-specific financial products and schemes.

Can I import my bank statements into MonkeyLedger?

Yes. MonkeyLedger supports importing bank statements in CSV and PDF formats from most major Australian and New Zealand banks. It automatically extracts transactions, cleans merchant names, and applies your smart categorisation rules.

Is MonkeyLedger safe to use with my bank data?

Yes. MonkeyLedger never connects directly to your bank. You import CSV or PDF statements locally in your browser. Your data is stored in your own Google Drive — MonkeyLedger never sees your bank credentials or account details.

Which Australian banks does MonkeyLedger support?

All Australian banks are supported via CSV and PDF import: CommBank, ANZ, Westpac, NAB, Macquarie, ING, St.George, BankWest, Bendigo, Suncorp, and more. MonkeyLedger also supports New Zealand banks including ASB, ANZ NZ, Westpac NZ, BNZ, and Kiwibank.

Does MonkeyLedger work for New Zealanders?

Yes. MonkeyLedger supports NZD currency, KiwiSaver tracking, and CSV imports from all major New Zealand banks. It's built specifically for AU and NZ budgets and tax categories.

MonkeyLedger — AU/NZ Budget App

App	Monthly	Per year	Bank login	Data stored
🐒 MonkeyLedger	A$4.99/mo	A$39/yr	✓ Not needed	Your Google Drive
YNAB	US$14.99/mo	~AU$270/yr	Required	YNAB servers
Monarch Money	US$14.99/mo	~AU$270/yr	Required	Monarch servers
Pocketsmith	NZ$19.95/mo	~NZ$240/yr	Optional	Pocketsmith servers
Frollo	Free (CDR)	—	Required	Frollo/bank
Goodbudget	US$10/mo	~AU$180/yr	Not required	Goodbudget

Spending by Category

6-Month Trend

Income

Expenses

Recent Transactions

Budget Status

Upcoming Bills

🔀 Cash Flow SankeyWhere your income goes this month

🏅 Achievements

Milestones on your financial journey

🔥 FIRE Planner

Financial Independence, Retire Early calculator

Inflation-adjusted (3.5% p.a.)

🧾 Tax Planner

Estimated tax liability based on your income and jurisdiction

👁 Watchlists

Set spend threshold alerts for any category

📊 Cash Flow

Income vs expenses vs net, by month

Inflation-adjusted (3.5% p.a.)

📋 Budget Templates

Start with a pre-built budget for your life stage

📋 Legal Disclosure

Please read before using MonkeyLedger

The short version: MonkeyLedger is a budgeting tool, not a financial adviser. It helps you organise and visualise your money. Any suggestions, projections, or general principles shown in the app are for educational purposes only — not personal financial advice. Always talk to a qualified professional before making investment, tax, or financial decisions.

Not Financial Advice

MonkeyLedger and its creator are not licensed financial advisers, investment advisers, credit providers, mortgage brokers, tax agents, or accountants in Australia, New Zealand, or any other jurisdiction.

Nothing in this app — including budget suggestions, savings rate benchmarks, debt payoff strategies, ETF mentions, superannuation guidance, KiwiSaver commentary, cash flow projections, or AI Advisor outputs — constitutes personal financial advice, investment advice, credit advice, or tax advice.

All content is based on general financial principles and publicly available information. It does not take into account your personal objectives, financial situation, or needs.

Investment Risk

If MonkeyLedger references investment vehicles such as ETFs, index funds, shares, property, or superannuation/KiwiSaver funds, these references are general and educational only.

All investments carry risk. The value of investments can go down as well as up. Past performance is not indicative of future results. You may lose some or all of the money you invest. MonkeyLedger accepts no liability for investment decisions made based on information or projections shown in this app.

AI Advisor

The AI Financial Advisor feature uses a large language model to generate commentary based on your transaction data. Outputs are automatically generated and not reviewed by a human financial professional. They may contain errors, omissions, or suggestions that are inappropriate for your situation.

Do not rely solely on AI-generated outputs to make financial decisions. The AI Advisor is a starting point for reflection — not a substitute for professional advice.

Accuracy of Information

While we aim to keep general financial information current and accurate, MonkeyLedger makes no warranties about the completeness, accuracy, or suitability of any content. Tax laws, superannuation rules, KiwiSaver contribution rates, and financial regulations change frequently. Always verify information with an authorised source or qualified professional.

Your Data

MonkeyLedger stores all your financial data in your own Google Drive account. No data is transmitted to or stored on any MonkeyLedger server. The app processes your data locally in your browser. You are responsible for the security of your own Google account.

When using receipt scanning or the AI Advisor, transaction summaries are sent to the Anthropic API for processing. No data is retained by Anthropic beyond the scope of a single request per their usage policies.

Limitation of Liability

To the maximum extent permitted by law, MonkeyLedger and its creator shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this app — including but not limited to financial loss, investment loss, missed tax deductions, or reliance on app projections or AI outputs.

Your use of MonkeyLedger is at your own risk.

Seek Professional Advice

We strongly encourage you to consult with qualified professionals for your specific circumstances:

🏦

Financial adviser — for investment, retirement planning, and wealth strategy

🧾

Accountant or tax agent — for tax deductions, lodgement, and compliance

🏠

Mortgage broker — for home loan and borrowing decisions

⚖️

Solicitor — for legal matters relating to estate planning, property, or contracts

Last updated: March 2026 · MonkeyLedger is an independent personal project · Not affiliated with any financial institution

🔗 Shareable Budget Widget

Generate a public read-only summary card you can embed or share

Widget Preview

Cash Flow Forecast

Projected account balance for the next 3 months

📤 Upcoming Outflows

📥 Expected Inflows

Date

Description

Amount

Type

Monthly Budgets

Zero-Based Budgeting

Give every dollar a job. Income left to allocate: $0

$0

Monthly Income

$0

Allocated

$0

To Allocate

Recurring Bills & Income

Smart Rules

Auto-categorise transactions by keyword match

Savings Goals

Debt Payoff Planner

Net Worth Tracker

Inflation-adjusted (3.5% p.a.)

Total Assets

$0

Total Liabilities

$0

Net Worth

$0

Assets

Liabilities

📈 Net Worth Over Time

Log your accounts each month to see your net worth grow over time.

Import Statement

Import your bank statement — CSV or PDF. Auto-categorises 200+ merchants.

✨ Smart Import

📊

Drop your CSV file here

or click to browse · CSV · TSV · Most bank export formats

📋 How to export from your bank

Commonwealth / ANZ / NAB / Westpac: Transactions → Export → CSV

Chase / Bank of America: Activity → Download → CSV/Excel

Barclays / Lloyds / HSBC: Statements → Export → CSV

Any other bank: Look for "Download", "Export" or "Statement" in transactions

✅ What we handle automatically

🔍 Column auto-detection (date, amount, description)

🏷️ 200+ merchant keywords → categories

🔄 Duplicate transaction detection

⚡ Smart Rules applied on import

❓ Review wizard for unknowns

Weekly Digest

Your spending broken down by week this month

Subscription Detector

Recurring charges auto-detected from your transaction history

Financial Roadmap

At your current savings rate, here's when you'll reach each milestone

Sinking Funds

Save monthly for large irregular expenses — car service, holidays, gifts, rego

💡 What's a sinking fund? Instead of being blindsided by a $1,200 car service bill, you save $100/month for it. When the expense arrives, the money is already there. No stress. No debt. Pure financial peace.

Financial Advisor

Personalised analysis and action plan based on your actual spending data

🧠

Add some transactions first

Your advisor needs income + expense data to generate recommendations

Profile & Currency

Signed in with Google

Currency

Monthly Budget Start Day

Income Type

Variable income mode shows average income across 3 months for more accurate forecasting.

Preferences

Roll over unused budget to next month

Unspent budget carries forward as extra headroom next month.

Appearance

Dark / Light Mode

Switch between dark and light theme

Colorblind Mode

Improves chart readability for red-green colorblindness

👥 Shared Mode

Budget with a partner

🏦 Accounts

💳 Plan & Billing

🧠 AI Features

20 AI requests/day are included free — the built-in key powers your AI Advisor, spending analysis, and receipt scanning.

🔑 Want unlimited AI?

Get your own Groq key — takes 2 minutes, no cost, no credit card required.

🔗 Get Free Groq Key → console.groq.com/keys ↗

Steps: Sign up (free) → API Keys → Create new key → Copy and paste below

Stored in your Google Drive — never sent to MonkeyLedger.

☁️ Data Management

All data syncs to your private Google Drive folder in real time. Sign in from any device and your data loads instantly.

MonkeyLedger Pro

Keep your access to all 26 tools, AI insights, and unlimited transactions. Your subscription keeps this app independent and ad-free.

Custom Categories

See where your bananas go! 🍌

26 tools. One file.A$3.25/mo.

Everything in one place

One product. Three ways to pay.

Real people. Real savings.

Managing moneyshouldn't cost money

Frequently asked

Put your bananasto good use

Monthly Budgets

Zero-Based Budgeting

Recurring Bills & Income

Smart Rules

Savings Goals

Debt Payoff Planner

Net Worth Tracker

Import Statement

Weekly Digest

Subscription Detector

Financial Roadmap

Sinking Funds

Financial Advisor

Categorise Transactions

See where your
bananas go! 🍌

26 tools. One file.
A$3.25/mo.

Managing money
shouldn't cost money

Put your bananas
to good use