An offline expense tracker for Windows

Your spending belongs on your PC, not on someone else’s server. Monatsklar works without a cloud, an app account or a bank login.

Where is my data?

Monatsklar keeps your budget book in a single file (extension .mkb) on your computer. By default it lives in Documents\Monatsklar; “Change location…” moves it to another folder, for example a second drive. There is no sign-up and no app account, and your entries are not sent to a server run by the publisher.

You only need internet access to buy and install the app through the Microsoft Store. After that it works without a connection.

Backups and password protection

Automatic backup: once a day at start, in the Sicherungen folder next to your book. The last 14 automatic backups are kept.
Manual: “Save backup as…”, for example to a USB drive. Manual backups are never deleted automatically.
Password protection: optional, with AES-256 encryption. Automatic backups are then encrypted too. There is no password recovery, so keep it somewhere safe.

CSV exports you create for Excel, on the other hand, are readable plain text and not encrypted.

What you need

Monatsklar runs on Windows 10 (version 1809) and later, including Windows 11. The interface comes in ten languages, in light, dark or following Windows. You choose one currency per book; there is no automatic conversion.

Local instead of a linked bank account

Apps that link to your bank fetch transactions automatically, but your credentials and transactions sit with a service provider. Monatsklar takes the other route: you export transactions from your bank as a CSV file and read them in locally, with a preview and a saved import profile (more about CSV import). It is a few clicks more, but nothing leaves your PC. Cash is simply another account.

Two PCs in the household? Put the book in a shared folder, for example on a NAS, and open it on both computers – just not at the same time.

Reports and printing

Categories, monthly trends, budgets, recurring entries and savings goals are available right in the app. The print report can also be saved as a PDF through the Windows print dialog; there is no separate PDF export.

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