Monthly budget planner and big-plan saving, one dashboard
The budgeting app that explains where your money went.
Metrivo tracks your everyday spending against the targets you set, then does the part other budgeting apps leave to you: it says, in plain sentences, what changed this month and by how much. And when something big is coming — a wedding, a move, a car, a long trip — you plan it here as well, spread across the months you actually have and laid over your normal budget rather than parked in a spreadsheet nobody reopens.
No card needed to start.
The problem
Most budgeting apps show you numbers. Almost none explain them.
A figure on its own tells you nothing
You spent €412 on groceries. Is that high? Compared to what — last month, last spring, the three months before the baby? Most budget trackers never say. You are handed a chart and left to do the interpretation yourself, which is the part almost everyone skips, and the reason a budget gets abandoned in week three.
And the big costs live in a spreadsheet
The wedding, the house move, the new car, the trip — those go in a separate tab that nobody updates after the first fortnight. It never touches the real budget, so you cannot see what setting aside €280 a month actually does to the rest of your year.
Charts describe, they don’t explain. Seeing a line go up is not the same as knowing which category moved it, or whether it keeps moving.
Disconnected plans go stale. A wedding budget that lives outside your real finances stops being accurate the moment your actual spending drifts.
Features
Everything a monthly budget planner does — plus the part they all skip.
Every screen reads from the same transactions and categories, so your event plan, your overspend alerts and your savings projections never disagree with each other.
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Your money stays yours to enter
Rent, salary and standing orders go in once as recurring items and record themselves on the day they fall, so the fixed half of your month needs no typing. The rest you add by hand in seconds, or import in bulk from a statement your bank exports as CSV — and once you file a merchant, Metrivo files it the same way next time. No banking login, ever.
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Budget by the month or by the week
Set a spending target per budget category and watch actual against target as the period runs. Weekly if you are paid weekly; monthly if you have a salary and a rent day — and your period can start on the day you are paid rather than the 1st.
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Wedding, move or car — planned on your budget
Start from a template for a wedding, a trip, an apartment or a car, spread the target across the months until the date, and see that monthly set-aside sitting next to this month’s ordinary spending instead of in a spreadsheet beside it.
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Suggestions that show their working
Annual instead of monthly billing, a subscription you stopped opening, cash sitting idle earning nothing — each suggestion arrives with the reason and the full calculation behind it, so you can disagree with it on the numbers.
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Spending trends written out in English
Read what actually moved month to month, against your own 3- and 6-month averages rather than a national statistic. A half-finished month is compared only against the same number of elapsed days in earlier ones — the shortcut everyone else takes is what makes a budget look healthy on the 8th.
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Savings goals with real projections
See what €100 a month becomes over six months, a year, five years — and which of your savings goals it finishes early. A projection tied to a destination, rather than a compound-interest number with nothing attached to it.
For couples
Budgeting as two people, without merging your whole life.
Splitting bills with a partner usually means one budgeting app each and a running argument about rent. Metrivo keeps a personal budget for each of you and a shared space in between.
Your share lands in your own budget
Rent, electricity, the weekly shop — anything the two of you split goes in the shared space once, at whatever ratio you agreed. Your half then appears inside your personal month, so the figure on your dashboard is your actual cost of living, not your personal spending plus a mental note.
Who paid what, settled when you like
Metrivo keeps a running balance of who has covered more, so settling up is one number rather than an evening with a calculator. Shared event plans work the same way: a €12,000 wedding split down the middle shows up as your €6,000 on your own plan, line items and all.
How it works
Three steps, in order.
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01
Track it
Set up your recurring income and expenses once and they record themselves on the right day from then on. Everything else you add by hand, or import from a statement your bank exports as CSV — file a merchant once and Metrivo files it the same way next time. Then pick monthly or weekly and set a target per category.
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02
Understand it
Each period, Metrivo writes up what moved and by how much, compares it against your own history rather than a national average, and flags overspending softly — an explanation, never a block on your own money.
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03
Plan ahead
Add the thing that is coming, set the date and the target, and Metrivo divides it across the months you have left and lays it over your normal budget — so you can see the whole cost of the year, not one half of it.
Guides
The money questions behind the budget.
Written for the decisions people are actually stuck on — what a wedding costs by month, how to split rent fairly, and whether the rule everyone quotes fits your income at all.
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Big plans
How to budget for a wedding: a month-by-month plan
Turn a total you can barely picture into a monthly set-aside you can afford — and find out early if the date is the problem rather than the budget.
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Monthly budgeting
The 50/30/20 budget rule, and when it breaks
What the rule actually asks of you, how to sort your own spending into the three buckets, and the three situations where following it literally makes things worse.
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Money together
How to split bills with your partner
Fifty-fifty, by income, the shared pot, or a full merge — what each one really costs the lower earner, worked through with numbers.
Questions
Questions people ask before they start.
How do my transactions get into Metrivo?
You enter them, and Metrivo does the parts worth automating. Rent, salary and subscriptions go in once as recurring items and record themselves on the day they fall, so the fixed half of a month needs no typing at all. Anything else you add by hand in a few seconds, or import in bulk from a statement your bank exports as CSV. Metrivo does not connect to banks and never asks for a banking login.
Can I budget weekly instead of monthly?
Yes. A budget period is monthly or weekly, and every figure on the site follows the one you pick. Weekly suits weekly pay; monthly suits a salary and a rent day.
How do I budget for a wedding or another big one-off cost?
You add it as an event plan with a target and a date. Metrivo divides the target across the months left and shows that set-aside beside your ordinary spending, so you can see what the year costs in total rather than one half of it at a time. The wedding guide walks through a full example.
Can two people share one budget?
Yes. Rent, bills and anything else you split live in a shared space, and your share of each one lands inside your own budget — so a single figure covers your whole month instead of your personal spending plus a mental note about rent.
What happens to my financial data?
Metrivo has no advertising business and does not sell your data. The only thing that ever leaves the app is a short summary — category names, targets and totals — sent when you press the button for an AI insight. No transactions, merchants, names or account details are included, and the app works fully without that feature.
Start your budget with this month.
Set your categories, add whatever is coming up later this year, and let Metrivo tell you what the numbers mean. It takes about ten minutes to set up.