Your Data,
Your Control.
Monthli stores all data locally on your device. Syncing is done to your own GitHub repository—no Monthli servers, no middlemen. Here is exactly how we handle your data.
1. Local Device Storage
All your expense data is stored locally on your device using AsyncStorage on mobile and browser storage on web. Monthli servers never hold your transaction history, budget data, or expense records.
- No central servers, no cloud databases storing your data.
- Data remains entirely in your control on your device.
- Only you can access your local storage.
2. Private GitHub Repository Sync
Monthli syncs your data to a private GitHub repository that you own and control. You provide your own GitHub Personal Access Token. Monthli acts as a bridge between your devices and your repository—we never store, access, or retain your data.
- You create and own the GitHub repository.
- You control all access permissions.
- Monthli has zero access to your repository without your token.
- Data is Base64 encoded when synced between your devices via Git.
3. AI Bill Scanning
When you scan a bill for item extraction, the receipt image is sent to a third-party vision API (OpenRouter or Nvidia). This is the only time data leaves your device to external servers.
- Images are sent to OpenRouter (OpenAI-compatible API) or Nvidia APIs for vision processing.
- These third parties process the image and return extracted line items only.
- Review and edit all extracted items before saving to your device.
- No personal data (names, account numbers) is stored by these services beyond the API call.
4. No Bank Connections
You Control Your Data
Monthli does not connect to your bank accounts. There is no Account Aggregator integration, no AWS KMS, no centralized financial data storage. You manually log expenses or scan receipts. Your financial data belongs entirely to you, stored where you choose.