Hi Product Hunt! I built Monthly because most budgeting apps start by asking for your bank login, and I wanted a plan I could trust without handing over credentials.

How it works: you add your income, your fixed bills and instalments, and how much you want to keep for each weekend. Monthly reserves all of that inside the month's plan and shows what is really free to spend. It is a calculation from what you enter, not your bank balance, and it never moves money.

What else is inside:

• Investments, assets and debt (including what others owe you) in one view, still with no bank or broker connection

• Monthly history, categories, reminders and charts

• CSV and Excel export, so your data is yours

• An optional AI assistant that explains your month; its answers are guidance and should be checked, not professional advice

• An optional WhatsApp assistant: write an expense and it asks whether it comes from daily spending, the weekend reserve or a fixed bill, then shows a summary before saving

It is free, works in the browser (installable on your phone) and on Android, in English and Spanish. I'd love your feedback on the free-cash calculation and on what would make you switch from a spreadsheet.