Get a congratulatory phone call when you hit a Monarch savings goal
1 ready-made Eclosion and Phone Call (US only) Applets
Turn one on, or build your own. Eclosion can start an automation with "Category balance reaches threshold", and IFTTT can then run "Call my phone" on Phone Call (US only).
Automate Eclosion and Phone Call (US only) from your AI assistant
Ask Cursor to create Eclosion applets that move your budget funds around in Monarch Money, with IFTTT MCP.
Set up IFTTT MCP
Create your own Eclosion and Phone Call (US only) workflow
Create custom workflows effortlessly by selecting triggers, queries, and actions. With IFTTT, it's simple: “If this” trigger happens, “then that” action follows. Streamline tasks and save time with automated workflows that work for you.
15 triggers, queries, and actions
Category balance reaches threshold
Polling trigger
Polling Applets run after IFTTT reaches out to the trigger service and finds a new trigger event. These trigger checks occur every 5 minutes for Pro and Pro+ users, and every hour for Free users.
This trigger fires when a category's remaining balance crosses a dollar amount you specify — either rising above or dropping below the threshold.
Category under budget
Polling trigger
Polling Applets run after IFTTT reaches out to the trigger service and finds a new trigger event. These trigger checks occur every 5 minutes for Pro and Pro+ users, and every hour for Free users.
This trigger fires when a budget category's spending comes in under its budgeted amount for the month.
Leave IFTTT any voicemail
Polling trigger
Polling Applets run after IFTTT reaches out to the trigger service and finds a new trigger event. These trigger checks occur every 5 minutes for Pro and Pro+ users, and every hour for Free users.
This Trigger fires every time you leave any voicemail at your IFTTT phone number.
Monthly budget surplus
Polling trigger
Polling Applets run after IFTTT reaches out to the trigger service and finds a new trigger event. These trigger checks occur every 5 minutes for Pro and Pro+ users, and every hour for Free users.
This trigger fires near the end of the month when your total spending across all categories comes in under your total planned budget.
New charge
Polling trigger
Polling Applets run after IFTTT reaches out to the trigger service and finds a new trigger event. These trigger checks occur every 5 minutes for Pro and Pro+ users, and every hour for Free users.
This trigger fires when a new expense transaction appears in your Monarch account. Optionally filter by category and choose whether to include pending transactions.
Savings goal achieved
Polling trigger
Polling Applets run after IFTTT reaches out to the trigger service and finds a new trigger event. These trigger checks occur every 5 minutes for Pro and Pro+ users, and every hour for Free users.
This trigger fires when one of your savings goals reaches its target amount in Monarch.
Under-budget streak
Polling trigger
Polling Applets run after IFTTT reaches out to the trigger service and finds a new trigger event. These trigger checks occur every 5 minutes for Pro and Pro+ users, and every hour for Free users.
This trigger fires when a category stays under budget for a specified number of consecutive months. Builds over time — the longer the streak, the more trigger events.
List achieved goals
Query
A query lets your Applet retrieve extra data that isn't included in the trigger, so that your automation can include more complete or useful information.
This query returns all of your savings goals that have reached their target amount in Eclosion since app installation.
List category budgets
Query
A query lets your Applet retrieve extra data that isn't included in the trigger, so that your automation can include more complete or useful information.
This query returns the current month's budget status for all your expense categories, including budgeted amount, actual spending, and remaining balance.
List under-budget categories
Query
A query lets your Applet retrieve extra data that isn't included in the trigger, so that your automation can include more complete or useful information.
This query returns categories where spending is currently below the budgeted amount, sorted by largest savings first.
Monthly budget summary
Query
A query lets your Applet retrieve extra data that isn't included in the trigger, so that your automation can include more complete or useful information.
This query returns a single-row summary of your current month's budget, including planned vs. actual income and expenses, surplus, and ready-to-assign amount.
Budget funds to a category
Action
An action is the task your Applet carries out after the trigger occurs. It defines what happens as the result of your automation and completes the workflow.
Increases a Monarch budget category's planned amount for the current month. The added amount is on top of whatever is already budgeted.
Budget funds to a savings goal
Action
An action is the task your Applet carries out after the trigger occurs. It defines what happens as the result of your automation and completes the workflow.
Increases a savings goal's budgeted amount for the current month. The added amount is on top of whatever is already budgeted toward this goal.
Call my phone
Action
An action is the task your Applet carries out after the trigger occurs. It defines what happens as the result of your automation and completes the workflow.
This Action will call your phone number and say a message.
Move funds between categories
Action
An action is the task your Applet carries out after the trigger occurs. It defines what happens as the result of your automation and completes the workflow.
Moves budget funds from one category to another. Reduces the source category's budget and increases the destination's by the same amount. Total planned spending stays the same.
Budget funds to a category
Action
An action is the task your Applet carries out after the trigger occurs. It defines what happens as the result of your automation and completes the workflow.
Increases a Monarch budget category's planned amount for the current month. The added amount is on top of whatever is already budgeted.
Budget funds to a savings goal
Action
An action is the task your Applet carries out after the trigger occurs. It defines what happens as the result of your automation and completes the workflow.
Increases a savings goal's budgeted amount for the current month. The added amount is on top of whatever is already budgeted toward this goal.
Call my phone
Action
An action is the task your Applet carries out after the trigger occurs. It defines what happens as the result of your automation and completes the workflow.
This Action will call your phone number and say a message.
Category balance reaches threshold
Polling trigger
Polling Applets run after IFTTT reaches out to the trigger service and finds a new trigger event. These trigger checks occur every 5 minutes for Pro and Pro+ users, and every hour for Free users.
This trigger fires when a category's remaining balance crosses a dollar amount you specify — either rising above or dropping below the threshold.
Category under budget
Polling trigger
Polling Applets run after IFTTT reaches out to the trigger service and finds a new trigger event. These trigger checks occur every 5 minutes for Pro and Pro+ users, and every hour for Free users.
This trigger fires when a budget category's spending comes in under its budgeted amount for the month.
Leave IFTTT any voicemail
Polling trigger
Polling Applets run after IFTTT reaches out to the trigger service and finds a new trigger event. These trigger checks occur every 5 minutes for Pro and Pro+ users, and every hour for Free users.
This Trigger fires every time you leave any voicemail at your IFTTT phone number.
List achieved goals
Query
A query lets your Applet retrieve extra data that isn't included in the trigger, so that your automation can include more complete or useful information.
This query returns all of your savings goals that have reached their target amount in Eclosion since app installation.
List category budgets
Query
A query lets your Applet retrieve extra data that isn't included in the trigger, so that your automation can include more complete or useful information.
This query returns the current month's budget status for all your expense categories, including budgeted amount, actual spending, and remaining balance.
List under-budget categories
Query
A query lets your Applet retrieve extra data that isn't included in the trigger, so that your automation can include more complete or useful information.
This query returns categories where spending is currently below the budgeted amount, sorted by largest savings first.
Monthly budget summary
Query
A query lets your Applet retrieve extra data that isn't included in the trigger, so that your automation can include more complete or useful information.
This query returns a single-row summary of your current month's budget, including planned vs. actual income and expenses, surplus, and ready-to-assign amount.
Monthly budget surplus
Polling trigger
Polling Applets run after IFTTT reaches out to the trigger service and finds a new trigger event. These trigger checks occur every 5 minutes for Pro and Pro+ users, and every hour for Free users.
This trigger fires near the end of the month when your total spending across all categories comes in under your total planned budget.
Move funds between categories
Action
An action is the task your Applet carries out after the trigger occurs. It defines what happens as the result of your automation and completes the workflow.
Moves budget funds from one category to another. Reduces the source category's budget and increases the destination's by the same amount. Total planned spending stays the same.
Build an automation in seconds!
If
Select a trigger the automation will use
Category balance reaches threshold
Category under budget
Leave IFTTT any voicemail
Monthly budget surplus
New charge
Savings goal achieved
Under-budget streak
Then
Select an action the automation will perform
Budget funds to a category
Budget funds to a savings goal
Call my phone
Move funds between categories
You can add delays, queries, and more actions in the next step!
GET STARTED
How to connect to a Eclosion automation
Find an Applet using Eclosion and Phone Call (US only)
Find an automation to connect to, or create your own!Connect IFTTT to your accounts
Securely connect the Applet services to your respective accounts.Finalize and customize your Applet
Review trigger and action settings, and click connect. Simple as that!Upgrade your automations with
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Eclosion and Phone Call (US only) tips, tools, and resources
More on Eclosion and Phone Call (US only)
About Eclosion
Eclosion and IFTTT let you automate your Monarch Money budget by moving funds between categories based on what you spend and save.
About Phone Call (US only)
Phone Call and IFTTT let you start automations when you leave a voicemail, and make calls to your phone when an Applet runs.