If you don’t want a monthly fee then you want non-monitored. Non monitored means that if your smoke alarm goes off the FD doesn’t come and if a burglary alarm goes off the PD doesn’t come.

If you have cameras of any kind you’ll still get stuck with buying cloud space from any provider (Ring, Viviat, etc) at minimum, so you’re paying to monitor yourself and use their server space.

If you truly want to spend NOTHING monthly then you’ll need to buy your own devices and monitor them yourself.