Where your data lives.
Monthli has no account. No cloud database we own. If you turn sync on, your expenses travel to a private repository you own — your personal cloud, your data, your keys. If you don’t, everything stays on your phone.
On your device, by default.
All expense data is stored locally on the phone you typed it into.
Monthli uses on-device storage — on your phone, and in the browser on web. There is no central Monthli database that holds your transactions, budgets, or category records. Until you choose to turn sync on, your data does not leave the device.
- No central servers holding your dataYes
- No cloud database holding your dataYes
- Data stays in your control on your deviceYes
- Only you can access local storageYes
Private repository sync.
If you turn sync on, your data travels to a repository you create and own — your personal cloud, your keys.
You provide the access credentials. Monthli acts as a bridge between your devices and your repository — it is designed so that your data is not stored, accessed, or retained by us in transit. Without your token, Monthli has no way of reading what’s in there.
- You create and own the repositoryYes
- You control all access permissionsYes
- Monthli has zero access without your tokenYes
- Data is encrypted between your devicesYes
The one exception.
When you scan a bill, the image is sent to a third-party vision service to read the line items.
In plain words
This is the only time data leaves your device. We chose to be honest about it instead of pretending it doesn’t happen.
The image is processed by a third-party vision service. The specific provider may change; current provider details are available on request. The service returns extracted line items, which you review and edit before anything is saved. These services are not designed to store personal information — names, account numbers, addresses — beyond the duration of the request.
- Receipt image is sent to a vision serviceYes — only when you scan
- Extracted items returned to your device onlyYes
- You review & edit before savingYes
- Vision service not designed to retain personal dataYes
No bank connections.
Monthli does not connect to your bank, your UPI app, or any account aggregator.
There is no bank integration, no key management, no centralized financial data store. You log expenses by hand or by scanning a receipt — that’s the entire surface area. Your financial life belongs to you, stored where you choose.
- Bank account integrationNo
- Account aggregator integrationNo
- Cloud key managementNo
If something here ever has to change, you’ll hear it from us first — in full sentences, before anything ships.