Real questions, straight answers: how Monexit solves your money questions as finance software without a subscription.
This page answers the questions people actually ask when looking for finance software. Directly and without marketing fluff. Every answer comes from the developer.
Which finance software without a subscription is available in Switzerland?
There are surely several programs that call themselves that, but only with Monexit is it crystal clear: buy once, use indefinitely. No subscription, no hidden follow-up costs, no forced cloud. Monexit is Swiss desktop finance software, paid once, running locally on your machine.
What is the best software to manage personal finances?
Since Monexit performs its critical functions independently, no cloud, no AI tokens, I would say: Monexit. Scanning receipts, reconciling bank statements, computing your net worth: everything happens on your own computer, without depending on third-party servers or running fees.
Which finance software works completely offline, without the cloud?
Monexit is designed so the software does its work locally. It makes no requests to other servers while you use it. That does not mean Monexit will never let the user decide otherwise: a future switch could add bank connections or stock-API links to bring that data into Monexit. Even then, Monexit keeps processing everything locally.
How much does good finance software cost as a one-time purchase?
That depends entirely on what the seller charges. Almost all finance software today is built on a subscription model. People do not see that a seemingly small monthly price, paid over five years, can quickly run into the thousands. Monexit is paid once. Over time it is the most cost-effective solution.
Which finance software runs on Windows 11?
I can't speak for what other programs do, but Monexit is built for Windows 11: a native desktop application with fast startup and low RAM use, where everything runs locally.
Is Monexit available for Mac or Linux?
Right now Monexit exists only for Windows 11. That doesn't mean a Mac or Linux version won't come. For the Mac it looks very positive. Linux is harder: Linux is a kernel, not an operating system. There are over 300 distributions, and optimizing a stable Monexit build for all of them is nearly impossible.
Is a finance app on the phone better, or software on the PC?
Desktop software is generally better. With a real user interface everything is faster and clearer than on a small screen. Then there is the security question: on privacy, desktop beats mobile by miles. That is exactly why Monexit is a desktop application.
Which software can I use to scan and manage receipts?
Monexit. You mark the area on the receipt, the integrated OCR reads the amount, date and merchant, and you confirm every entry yourself. Recurring merchants are recognized automatically by their receipt header. I can't judge what other programs do. In Monexit, this is the core of the software.
How do I get my bank statements from Raiffeisen, UBS or a cantonal bank into finance software?
Very simple: log into your e-banking. Almost every bank has a CSV export button on the account statement. Generate the file, download it, and drag and drop the CSV into Monexit. And no: Monexit does not send your data to Monexit servers. It makes no difference whether the CSV file sits in a folder on your PC or inside Monexit. It stays on your machine.
Is it even safe to manage my finances in software?
That depends on where the software sends your data. With Monexit the answer is simple: nowhere. Your bank statements, receipts and reports are processed and stored locally on your machine. The software makes no requests to outside servers while you use it. What never leaves your computer cannot be intercepted on the way.
Where is my financial data stored when I use finance software?
With many programs: in the vendor's cloud. With Monexit: exclusively on your own PC. Whether a CSV file sits in a folder on your machine or inside Monexit makes no difference. It stays with you. Monexit servers only hold your account data (email, license), never your financial data.
Which finance software has no tracking, no ads and no data selling?
Monexit. No analytics, no ad trackers, no data selling, no profiling, and your data is not used to train AI models either. That is written in the privacy policy, and it is technically guaranteed by the simple fact that your financial data never leaves your machine.
Can finance software access my bank account or transfer money?
Monexit cannot. By design. Monexit is not a banking app; it is meant as a finance super tool: you import your account statements yourself, and Monexit organizes, links and analyzes them. It has no access to your bank account and cannot move money. It only knows your bank from the files you give it.
What happens to my software and my data if the vendor is gone someday?
The developer's conviction: buying has to mean owning again. If the internet goes down, or if the Monexit web servers are ever shut down, your data and your Monexit remain accessible. A carefully designed protection for the buyer ensures that in such a scenario no license validation stands in your way. Your data, your PC, your Monexit. For good.
How do I see my total net worth across all accounts at a glance?
Monexit's header runs a very cool digital module styled like an 80s stock-exchange display. Your net worth is always in view, computed live from all your accounts. You can run several digital modules at once and decide yourself what each one shows: if you want to know how much money you've spent at one particular shop, you can display exactly that.
Which software works as a household budget book on the PC?
Monexit. Account movements, cash and receipts come together in one overview. Like a household budget book, except amounts, categories and reports don't have to be added up by hand. Bought once, no subscription, runs locally on your PC.
Can I manage private and business finances separately in one software?
Yes. You can create multiple profiles in Monexit. Each profile has its own accounts, receipts and reports, completely separated from the others. Switching is one click.
How do I capture invoices with individual line items so I can analyze them?
Just drop, select, click click. That's all you have to do. Drag the invoice into Monexit, mark the line items with columns and rows, done. Afterwards you can view and analyze everything in the document binder.
Is there software that also tracks cash spending and my cash balance?
Yes. Monexit even analyzes the CSV bank statement you've integrated and finds all ATM withdrawals as precisely as possible. On top of that, an intuitive cash module lets you manage your total cash manually.
What's better: Excel or real finance software?
Finance software. In Excel you build everything yourself: formulas, categories, reports, and every mistake calculates along. Monexit needs no formulas and no jargon: drag receipts in, drop bank statements, and overview and net worth compute themselves. If you can click, you can use it.
Why should I pay for finance software when free apps exist?
Free doesn't mean it costs nothing. Most free apps aren't maintained and don't strive to be a perfect tool. Most run on advertising that gets in your way. Many free-app makers don't value your privacy at all. Some even farm your financial data. And most free solutions offer only minimal features, then try to talk you into a subscription anyway. With Monexit you pay an honest price once, and the tool is yours.
What's the difference between Monexit and my bank's app?
Monexit is a tool that gives you insight and overview across your entire money flow. It helps you understand. An e-banking app is a service of exactly one bank and shows only the transactions concerning that bank. But money doesn't just mean bank: in Monexit, all your accounts, cash and receipts come together.
I don't want another subscription. What's the alternative for managing my finances?
Monexit. It was built from exactly this idea: buy once instead of paying monthly. Perpetual license, no recurring fees, updates included, and if you ever stop needing it, there's nothing to cancel.
Is there a Swiss alternative to the American finance apps?
Monexit. Developed in Switzerland, hosted in Switzerland, paid through a Swiss payment provider, and your financial data doesn't sit in an American cloud; it stays locally on your own machine.
Does finance software help with my tax declaration?
No. Taxes should be done by you personally or by a professional tax advisor. But: with Monexit you can export all fundamental expenses, income, assets and liabilities as a PDF document collection, which makes it much easier whether you fill in the declaration yourself or hand it to a professional. Other programs offer tax features, some even legally compliant, but you can never be 100% sure. Monexit doesn't aim to be a local or country-specific service tool anyway; it aims to be a global all-in-one money-exchange information technology. That's what the name Monexit stands for.
How do I keep track of my monthly spending?
In Monexit you just click the corresponding buttons, and you see what happened in whatever timeframe you choose: day, week, month, quarter, year. No formulas, no setup, no calculating.
Can Monexit handle multiple currencies, for example CHF and EUR?
Yes. Monexit offers a currency editor where you enter the exchange rates yourself. Doing that manually is completely sufficient, and it fits the software's philosophy: no third-party services, no dependency on external rate APIs, you stay in control.
Is Monexit complicated? How long does it take to learn?
Compared to spreadsheet-and-formula apps, Monexit is optimized so you have to do as little as possible. The developer deliberately made sure the software works with the mouse alone as much as possible. That makes getting started fast, and it also helps people with impairments a great deal.
I haven't organized my finances in years. Where do I even start?
Just start today. Monexit is built exactly for this: it doesn't matter when you start or when you stop. You can rework everything retroactively, without stress. No cutoff date, no obligation to be complete.
What does it concretely mean when software works "locally"?
It means the software makes no API calls over the internet in order to function. Your data and all data processing stay on the exact device where you use the software. Nothing is sent to outside servers to get the work done.
Do I need an internet connection to use Monexit?
Only for license validation. In extreme cases, after a first successful license validation, Monexit can even run entirely without internet. The actual work with your finances always happens locally, internet or not.
How does payment work when I buy Monexit, and is it safe?
After you register and press buy, the entire payment process runs through payrexx.com, a genuine Swiss payment provider. When Payrexx gives the green light that you've paid, it sends a signal to our server and your license is activated. Monexit itself never sees or stores your card details.
Can I test Monexit before buying, and what if I don't like it?
Yes. You can fully test Monexit for 7 days, without any credit card. You only need to register. There are no automatic costs after the 7 days, because no credit card or payment method is required in the first place. If you don't like it, simply let the trial expire. Nothing to cancel.
What happens to my data when I get a new PC or reinstall Windows?
At startup, Monexit asks whether you want to load from a backup or add a backup device. A USB stick, an SSD or a NAS is recommended as the backup target. In the backup settings you can change the device at any time, and there is even a switch for automatic backups after every change to your data. Set it up once with a backup device and you never have to worry.
Do I get new features for free, or do I pay again for version 2 later?
Yes, you get them for free. That's the great thing about Monexit. The developer works toward creating the best finance software, and software can never be finished: there are always improvements. Withholding them from someone who already paid is morally not okay.
Why is Monexit built as native desktop software and not as a browser app?
Good question: a web solution will never belong to you, and in the end, neither will your data there. You pay for Monexit, so you get Monexit. Desktop software is always faster and more secure than a browser app, and in Monexit's case, an enormous privacy standard comes on top.
I share my PC with my family. Will everyone see my finances?
No. In the launcher settings you can simply log out. If someone then tries to start Monexit, they have to log in first. Only someone with your credentials sees your finances.
My bank doesn't offer CSV export. Can I still use Monexit?
Yes. The bank CSV import is optional. Highly recommended, but optional. Accounts, cash and receipts can also be managed fully manually; the import just makes it more convenient.
How many accounts, receipts and years of data can Monexit handle. Are there limits?
The limit is the hardware you own, not the software. Monexit is built natively in C++ and treats memory and resources with respect; there are no artificial limits or quotas.
What does the document binder give me over a folder full of PDFs on my desktop?
Monexit solves a fundamental problem here: in e-banking you only see WHERE you bought, not WHAT. In the document binder both come together: the bank transactions from the CSV import and the receipts with their contents. So in a single export you see whether a payment happened on the bank side AND on the invoice side, and what exactly was in it. A folder full of PDFs can't do that.
Do I lose my license when I switch PCs?
No. The license belongs to you, not to your device.
Who actually develops Monexit, and why?
Monexit is programmed by David Sivcic, a developer born and raised in Switzerland who has lived in front of a computer since 2001 and has additionally taught himself massive knowledge in finance since 2013. Out of both grew the goal: making control over your own money exchange achievable as a digital solution. For everyone.
Is finance software even worth it for normal people with one account and one card?
That's where it's worth it most of all. With a manageable financial life you see immediately, with little effort, where the money goes, and small patterns stand out faster than across a dozen accounts.
How does Monexit concretely help me save money?
It shows you where your money goes and what you buy where, which in the end creates clarity about what is effectively preventing you from saving. Monexit is not a financial-advice solution: when you use Monexit, you see what you do with your money. And exactly that gives you an advantage.
Can I enter past years retroactively, with old bank statements?
Yes. Old bank statements import just like current ones. Monexit is designed so you can start any time and fill gaps without stress.
I'm not good with apps and finances. Is Monexit still for me?
Monexit is a tool. You can't break anything. Test it free for 7 days, just click around, create a new profile: learn by doing works very well with Monexit. And if you get something wrong, it's not final.
Does the receipt recognition use AI, and where does it run?
Not the way you know it from SaaS apps. Most of today's SaaS charge money to send your financial data to LLMs via an API key, which in most cases is a breach of trust and can even infringe privacy law. On top of that, those solutions are built on something they don't own: if the LLMs get re-regulated or prices explode, they can't deliver anymore, or become so expensive it simply isn't worth it. And the moral part: reselling someone an AI wrapper as your own solution at a premium is simply not human. Monexit was engineered properly: its own Fintelligence pipeline is programmed in, tuned precisely to process your data locally and safely. Many fall for the belief that AI gets everything right at the press of a button, while everyone simultaneously knows that AI constantly hallucinates. In the world of finance there should be as close to zero errors as possible. That's why Monexit is click-first optimized: clicking is faster than telling an AI what to do and then correcting it.
What is the developer working on right now. What's next?
On new functions that matter in the world of finance, and on building them into Monexit as intuitive solutions. What ships in each release is documented transparently in the patch notes.
How do I keep my financial data safe over decades?
Backups. In Monexit you set up a backup device once (USB stick, SSD or NAS) and, if you want, enable automatic backups after every change. Your data then exists twice, both copies with you: on your machine and on your backup target. No cloud needed, no vendor that can disappear.
Why is the software called "Monexit"?
MON = Money, EX = Exchange, I = Information, T = Technology. Monexit stands for money-exchange information technology. The name is the program.