Monoceph builds a plan for your daily life based on your actual constraints: time, money, energy, and the connections between them. Here’s what to expect.
What you’ll set up
Monoceph needs to know about your life before it can plan it. Setup takes about ten minutes and covers the basics:
Your schedule. Work hours, regular commitments, and any fixed events. This tells Monoceph when you’re available and when you’re not.
Your finances. Recurring income, major expenses (rent, utilities, subscriptions), and approximate discretionary budget. You can connect your bank via Plaid for real transaction data, or enter estimates manually. Either works.
Your recurring obligations. Bills, errands, maintenance tasks. Anything that happens on a regular cycle and requires time, money, or both.
You don’t need to be exhaustive in the first session. Monoceph builds an initial resource map from what you provide, and you can add detail over time.
Core concepts you’ll see
Monoceph organizes your life around four concepts. They’ll appear throughout the interface.
Resources are anything you have, need, or produce. Money in your account, hours in your evening, eggs in the fridge, energy after a long day. Each resource has a current state (how much you have right now) that changes as you go about your life.
Transactions are actions that change resources. Grocery shopping consumes time and money, and produces food. Cooking consumes ingredients, time, and energy, and produces a meal. Working consumes time and energy, and produces income. Transactions aren’t limited to financial events. Any discrete action that changes your resource states is a transaction.
Tasks are specific things you need to do. Monoceph schedules them based on resource availability and dependencies. Buying groceries gets scheduled before cooking dinner, because cooking depends on having the ingredients.
Events are time-bound occurrences with fixed slots: meetings, appointments, reservations. They constrain what Monoceph can schedule around them.
Your first schedule
Once Monoceph has enough information about your resources, transactions, and commitments, it generates a schedule.
This schedule isn’t a static plan. It’s a live arrangement of tasks and transactions that accounts for:
- What needs to happen (meals to cook, bills to pay, errands to run)
- What depends on what (shopping before cooking, income before spending)
- What resources you have (time, money, energy, ingredients)
- What’s already fixed (meetings, appointments, deadlines)
The schedule will look sparse at first. That’s fine. As you add more transactions (meals, goals, errands, projects), the plan becomes more complete.
Connecting your data
Monoceph supports two integrations during early access:
Plaid connects your bank accounts. This lets Monoceph see your actual income, spending, and account balances instead of relying on estimates. Transactions from your bank flow in automatically, giving the system real financial data to plan around. The connection is secure and read-only.
Calendar import brings in your existing events. Fixed commitments from your calendar become time constraints that Monoceph schedules around.
Both are optional. Monoceph works with manual input if you prefer.
Adding to your plan over time
The initial setup gives Monoceph a foundation. From there, you can add:
Meals. Tell Monoceph what you want to cook, and it handles the rest: checking ingredients, scheduling grocery trips, fitting cooking into your available time and budget.
Goals. Training for a race, saving for a trip, learning a new skill. Monoceph breaks goals into the resources and transactions they require and fits them into your existing plan.
Errands and one-off tasks. Things that need to happen but don’t have a fixed time. Monoceph schedules them based on when you’re free, what they cost, and what else depends on them.
Each addition makes the system smarter about your life. The more Monoceph knows, the better it can plan.
When things change
Plans change. Monoceph handles that.
When something shifts (an unexpected expense, a canceled meeting, a new commitment), the schedule adjusts. You don’t rebuild the plan manually. Monoceph already knows what depends on what, and it recalculates the downstream impact.
You’ll see the updated schedule and can review what changed. If you disagree with a particular adjustment, you can override it.
MCP support
Monoceph supports MCP (Model Context Protocol), which lets you connect your own AI tools to your Monoceph data. If you use AI assistants for work, research, or personal projects, MCP gives them access to your resource map and schedule so they can make better suggestions in context.
This is an advanced feature. You don’t need it to use Monoceph, but it’s there if you want it.
Start here
Monoceph is free during early access. No credit card required. Setup takes about ten minutes.
Sign up at monoceph.co.