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Your financial freedom starts with the small decisions.
When you know where your money is going, it gets a lot easier to decide where your life is going.
Take control
Artificial Intelligence
Log expenses via WhatsApp
Without opening the app. Talk to Monely on WhatsApp and it logs everything automatically.
- Speak naturally: "Spent 45 dollars at the grocery store"
- Send voice notes: log while driving or walking
- Send photos: take a picture of the receipt and done
- Ask questions: "What's the balance of my Chase account?"
Monely
onlineWhere your freedom is leaking
The places where your money slips away without you deciding. And what changes once you start seeing each one.
The map of what disappears
In real numbers, you see how much each category is eating into your income. When groceries show up taking 32% of the month, the choice goes back to being yours.
The freedom you're building
Set how much of the month becomes investment and how much can become spending. Monely tells you in real time whether you're feeding your future or the impulse of the moment.
Nothing decides for you in the dark
Rent, internet, subscriptions, all scheduled, with a reminder on the due date. You stop paying on autopilot and go back to deciding what stays in your life and what goes.
Freedom is also not fighting over money
Split household expenses, equally or proportional to each person's income, with the math of who owes what already done. No spreadsheet, no resentment building up.
Every day, a fresh look at your money
Monely's AI compares your month with the one before and shows what changed: groceries getting cheaper, a category starting to creep up. One insight a day, right on the Home screen.
The bill stops being a surprise
Current bill, closed bill and how much of the limit is left, card by card, on the Home screen. Installment purchases show what each installment weighs in the coming months, and Monely reminds you of the closing and due dates.
Why is Monely Different?
Where Monely differs from other finance apps, for better and for worse.
| Feature | Monely | Other apps |
|---|---|---|
| Log expenses via WhatsApp, without opening the app | ✓ | ✗ |
| Receipt photo becomes automatic entry with AI | ✓ | Limited |
| Expense splitting proportional to each person's income | ✓ | ✗ |
| No ads on any plan | ✓ | ✗ |
| Import data from other apps | ✓ | ✗ |
| Loans and debts with interest and installments | ✓ | Limited |
| Investment goals for targets like a car, a home, or a trip | ✓ | Limited |
| Settling up in your shared group, with confirmation | ✓ | ✗ |
| Your data is never sold | ✓ | ✗ |
| Automatic bank synchronization | ✗ (product decision) | Some |
Automatic bank sync (open banking) does not exist in Monely: an app that pulls your data from the bank repeats, on a prettier screen, the same list your statement already shows. And looking at a ready-made list does not change your behaviour, because you had no part in it.
What people are saying
Amazing app! Really easy to use. Right from the start it isn't confusing like others out there; the moment you open the main screen you already know what to do. Congrats to the developers! I hope it stays this way!
Simply amazing, you can even connect it to WhatsApp and log your finances there. You can tell how much care went into making it. Simply amazing, 100% free, with no interruptions or blocks for not having Premium, everything unlocked. I highly recommend it to everyone.
I found this app by chance and it was one of the best discoveries I've ever made. It's wonderful, easy to use, and perfect for organizing my financial life.
Choose your plan
Switch plans or cancel whenever you want.
Everyone starts with a welcome bonus: your first 100 records come with everything in PRO unlocked. You only pick a plan after you have used it.
FREE
Record as much as you want, at your own pace
- Unlimited records
- Unlimited bank accounts
- Daily insights
- Shared group
- Custom categories
- Labels on records
ESSENTIAL
To start organizing your finances
- Everything in FREE, plus...
- Scheduled payments
- Card installment purchase
- Loan tracking
Most Popular
PRO
For those who want total control
- Everything in ESSENTIAL, plus...
- WhatsApp (AI) entries
- Advanced daily insights
- Access on your computer (web)
- Receipt attachment
- Investments with quote updates
For shared households
FAMILY
Share with the ones you love
- Everything in PRO, plus...
- Up to 4 members (you plus 3)
- Prerequisite: all members must be in the same Shared Group. Learn more
Most finance apps live off ads or off selling your data. Monely lives off your subscription. You're the customer, never the product!
Frequently Asked Questions
What is Monely?
Monely is a personal finance app that helps you track income, expenses, goals and scheduled payments simply and intelligently. Available for Android and iOS.
Is Monely free?
Yes. The FREE plan never expires: unlimited records, unlimited accounts and no ads. And everyone starts with a welcome bonus: the first 100 records with everything in PRO unlocked. The paid plans and their prices are on the Pricing page.
How do I log expenses via WhatsApp?
Just connect your WhatsApp in the app and send messages like "Spent 45 dollars at the grocery store" or "Received 3000 salary". Our AI understands the message and automatically logs it with the correct category, amount and date.
Can I share expenses with other people?
Yes! With Shared Groups you can split expenses with people you live with, partners, family or friends. Each person sees the group's transactions and tracks their share.
Is my financial data secure?
Your data travels over an encrypted connection (HTTPS/TLS). You sign in with Google, Apple or a 6-digit code sent to your email, you can lock the app with biometrics or a PIN, and App Check guards against automated access. We do not sell your data and we show no ads; we share it only in the situations listed in the Privacy Policy, such as with the service providers needed to run the app.
How do scheduled payments work?
You set it up once: it can be a single payment with a future date, or something that repeats, such as rent, a subscription or an installment. For the ones that repeat, you choose how often and when they end. On the due date Monely reminds you, or confirms it on its own if you prefer. And it shows the progress of each scheduled payment: how many have been paid, how many were skipped and how many are left.
Where can I import my data from?
From other finance apps, from a spreadsheet (CSV, XLS, or XLSX), or from a bank statement in an OFX file, straight into the account you choose. Importing is available on all plans.