A budget app for Windows without a subscription

A household budget is a tool you use for years. That is why Monatsklar is bought once rather than rented.

What “no subscription” means here

You pay once in the Microsoft Store. After that there are no recurring app fees, and the app has no in-app purchases, no ads and no user account. All features are included in the price; none are moved behind a paid tier later. The Microsoft Store shows the current price – it is deliberately not hard-coded on this page.

What is included

Multiple accounts including cash; transfers do not count as spending
Categories and subcategories, split transactions for purchases that span categories
Monthly budgets with amount left, recurring entries, savings goals
CSV import with preview, column mapping and saved import profiles
Reports by category and over time; a print report that can be saved as a PDF through the print dialog
Optional AES-256 encryption, daily backup at start, CSV export

Free is fine too – when Monatsklar is worth it

There are free budget apps, and for a handful of numbers a month a spreadsheet may be enough. Buying makes more sense if you want a dedicated Windows program that works without internet, reads bank transactions from CSV files and keeps budgets, savings goals and recurring entries in one place. You pay once instead of entrusting your data and credentials to a service. And because your data is in a file of its own, a new PC or a reinstall is simple: copy the book, open it in Monatsklar, carry on.

Compare for yourself: look at features, where data is stored, encryption, and whether import and export sit behind a paywall.

What Monatsklar is not

No bank connection: transactions arrive via CSV file, not automatically.
No smartphone or Mac app – Monatsklar runs on Windows 10 (1809) and later.
No automatic currency conversion; one book has one currency.
No simultaneous multi-user editing; a shared book on a network drive is edited by one person at a time.
No tax or investment features.

Your data stays usable

Without a subscription there is no pressure to leave your data with a provider. Your book is a file on your PC, and you can export entries as CSV at any time, for example for Excel. More on where data lives: offline expense tracker for Windows.

Monatsklar does not provide financial, tax or investment advice. The app records and summarises; decisions stay with you.