For one Monzo account
Know what you can spend today.
Companion turns the rest of the month into a daily allowance, keeps goal money out of reach, and shows the figure before you tap pay.
Month, not a guess
The period is the days left in the calendar month, counted in London.
Goals first
What a pot still needs is reserved before the allowance is shown.
Checked again
A sweep amount is recomputed on the server at the moment money moves.
Allowance
One number, updated from the real balance.
The safe-to-spend figure is the pool after spending, refunds, and anything already swept into pots. Pull to refresh and Companion re-reads Monzo rather than trusting the last notification.
- ProtectedGoal reserves are taken out before the number you see.
- RawThe same pool with the reserves put back, when you want the unguarded view.
- What ifTry a spend on the phone. Nothing moves until you actually pay.
Goals
Pots with a date, not a wish.
Each goal is a title, a target, and a Monzo pot you already have. Companion schedules how much of that target belongs to this period, and withholds it from today's allowance.
Sweep
Move what you didn't spend.
At the end of the day, 100%, 50%, or 25% of what is still safe can go into a pot. You confirm on the phone. The server ignores the figure on the screen and deposits only what is still available.
How a day works
- 01
Open Companion
The coral card is today's allowance, with the day of the month underneath.
- 02
Spend in Monzo
Card payments, refunds, and pot transfers are re-read. Declines never count.
- 03
Sweep or leave it
What is left can stay in the account or move into a pot before tomorrow.
The bank stays Monzo. The allowance lives here.
Companion is a personal Android app for one account. This page does not sign you in, and it never holds a Monzo token in the browser.