FAQ

Moniqo is an open-source, privacy-first budgeting app built around zero-based, envelope-style budgeting. Instead of projecting future spending, it works with money you already have and gives every rupee a job in an envelope, so you always know what's actually available to spend. See the Welcome guide for an overview of the core concepts.

Moniqo is built for individuals, couples, and households who want hands-on, manual control over their budget rather than automated bank-linked forecasting. Because you enter transactions yourself instead of syncing a bank feed, it suits anyone who wants a clear, deliberate picture of where their money goes.

Yes. Moniqo has no pricing tiers, subscriptions, or paid features today it's a fully open-source project you can use for free, including running your own self-hosted instance.

Every rupee coming into a budget starts in a shared "To Be Budgeted" pool. You allocate it into named envelopes (Groceries, Rent, and so on), and every expense is recorded against an envelope, reducing what's left in it rather than just your account balance. See Understanding Envelope Budgeting for the full picture.

Yes. You can create as many separate budgets as you like for example, a personal budget and a shared household budget. Each budget is fully isolated: its accounts, envelopes, and transactions never mix with another budget. See Managing Multiple Budgets.

Allocating (funding) moves money from "To Be Budgeted" into an envelope. Spending records a transaction that reduces an envelope's balance. They're deliberately separate steps you decide where money should go before you spend it, which is the core idea behind zero-based budgeting. See Fund an Envelope and Spend from an Envelope.

Yes. Archiving hides an envelope from your active list while keeping its history intact, and it's fully reversible you can unarchive it at any time. See Archive an Envelope.

If an envelope has never had any transactions, deleting it removes it outright. If it already has transaction history, Moniqo preserves that history and treats the delete as an archive instead, so past spending records stay accurate. If you need to permanently erase an envelope and every transaction tagged to it, budget owners can use the dedicated permanent-delete option this cannot be undone. See Delete an Envelope.

Your envelope simply shows a negative remaining balance, flagged clearly. Moniqo never blocks a transaction because of overspending you can cover the shortfall later by moving money in from another envelope. See Move Money Between Envelopes.

An account (Checking, Savings, Cash, Credit Card, Loan) represents where your money physically sits a real bank account, wallet, or card. An envelope represents what that money is planned for. Your available cash lives across accounts; how it's allocated for spending lives across envelopes. See Accounts Overview.

Yes, once its balance is exactly zero. Archived accounts become read-only and disappear from pickers when adding new transactions, but their transaction history and reports stay intact, and you can unarchive them at any time. See Archive & Restore Accounts.

An account with no transaction history is removed outright. An account that already has transactions is kept for record-keeping instead of being erased, so your historical reports stay accurate. If you just want an account out of your active list rather than permanently gone, archiving is usually the better choice. See Delete an Account.

Yes, as long as you have Editor, Admin, or Owner access on the budget (Viewers can't). Editing or deleting recalculates the related account and envelope balances immediately balances are always computed live from your transaction history, never stored as a separately editable number. See Edit a Transaction and Delete a Transaction.

Two common reasons: the account the transaction belongs to is locked (locked accounts block edits, deletes, and status changes), or the transaction is one leg of a transfer, in which case both linked legs change together rather than just the one you clicked. Also check whether the transaction is marked Reconciled see Status & Reconciliation since reconciled transactions are locked from further edits by design.

No. Moniqo is manual-entry by design there's no automatic bank sync or transaction import today. You log each transaction yourself, which keeps your data private and gives you a more deliberate view of your spending. See Add a Transaction.

Your budgets, accounts, envelopes, and transactions are stored in a PostgreSQL database on whichever instance you use a hosted Moniqo service, if you're using one, or your own self-hosted deployment. Moniqo is open source and can be fully self-hosted using the project's Docker Compose setup, in which case your data never leaves infrastructure you control.

Passwords are hashed and never stored in plain text, and authentication tokens are transmitted over HTTPS and kept server-side only in hashed form. Whole-database encryption at rest depends on how the underlying PostgreSQL instance is deployed and secured, rather than being something the application adds on top.

Not yet. A data export option is visible in Settings, but it isn't wired up yet it's a placeholder for a feature that hasn't shipped. If you're self-hosting, you always have direct access to your own database.

Not yet. There's no CSV or bank-import feature available today every transaction is entered manually. Import tooling is on the roadmap but isn't built yet.

Yes. Moniqo is released under the GPLv3 license, and its full source backend, web app, and database schema is public, so you can verify exactly how your data is handled or run your own instance.

Moniqo protects historical accuracy: an account or envelope that already has transactions attached is archived rather than deleted outright when you try to remove it, so your past reports stay correct. If you truly need it and all its transactions gone permanently, budget owners can use the dedicated permanent-delete option on envelopes; there's no equivalent hard-delete for an account that already has history. See Delete an Envelope and Delete an Account.

The account is probably locked, or you're signed in with Viewer access on that budget, which is read-only. Ask a budget Owner or Admin to unlock the account or adjust your role.

Search and filter currently work reliably with a single account or envelope selected at a time selecting several at once may not narrow results as expected. Filtering by one at a time is the reliable approach today. See Search & Filter.

Not at this time each Moniqo instance currently works in a single currency across all of your budgets. Multi-currency support isn't available yet.

Yes. A budget owner can invite other people and assign each one a role Admin, Editor, or Viewer controlling what they can see and change. Everyone with access works from the same shared accounts, envelopes, and transactions. See Understanding Budgets.

Moniqo is built for personal and household budgeting rather than business accounting. You can create a separate budget to track a side project, but it isn't designed for invoicing, payroll, or other business-specific workflows.

Check the rest of the User Guide for step-by-step walkthroughs, ask in GitHub Discussions, or contact support directly.