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

Home

Hello, Moni

💡 Insight of the day

📊 Your expenses dropped!

Your spending this month is 15% lower than last month. Keep it up to reach your savings goal faster.

Accounts list

Cash $513.00

Checking Account $2,047.00

Credit Card -$264.00

Investment $9,449.00

Add Account

Upcoming Payments View all

Rent

Cash

-$228.00 05/03

Electricity

Cash

-$29.00 10/03

Expense structure

THIS MONTH $617.00

vs previous period

-15%

pace -11%

Tap to
select

Housing Food Vehicle Health Shopping

Expense Type

THIS MONTH

86%

Necessary $530.00 85.8%

Desirable $88.00 14.2%

Period comparison

THIS MONTH $48.00

Cash flow Expenses Income

Current period Previous period Same period last year

Wk Mo Yr

Exchange Rates

EUR $1.09

GBP $1.27

BTC $97,500

Net Worth

TODAY $11,745.00

vs previous period +15%

6M 1Y 2Y 5Y

Artificial Intelligence

Log expenses via WhatsApp

Without opening the app. Talk to Monely on WhatsApp and it logs everything automatically.

A PRO plan feature, free to try during your starter records bonus.

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

online

Where 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.

THIS MONTH $328.00

vs previous period -17%

Monthly expenses breakdown by category
Category	Percentage
Shopping	32%
Housing	31%
Food	14%
Health	9%
Communication	5%
Transportation	4%
Entertainment	2%
Education	2%
Other	1%

Housing 31.0% $102.00 View details

Shopping$104.96

32%

Housing$102.00

31%

Food$45.92

14%

Health$29.52

Communication$16.40

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.

Income goals

Personal expenses 80%

Investments 20%

Personal expenses $441.00

Investments $110.00

Investments View details

Invested

$0.00 0%

Goal: $110.00 Remaining $110.00

Start investing today and build your financial future!

View accumulated

Nothing decides for you in the dark

Rent, internet, subscriptions, all scheduled with an alert before the due date. You stop paying on autopilot and go back to deciding what stays in your life and what goes.

Frequency

Start date 02/05/2026

Recurrence Type

Repeat every

months

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.

Shared

Expenses

$328.00 82%

Income: $399.00 Balance $72.00

Planned

Expenses $45.00 Proj. balance $27.00

View accumulated

Settlement Forecast

Based on shared expenses and income

Moni

Lia

Moni needs to pay $44.00 to Lia

Record settlement

View calculation details

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 partner'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

5.0 Google Play

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!

Dawillams Monteiro Google PlayTranslated

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.

Lud_ Gomes Google PlayTranslated

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.

Rayanne Mendonça Google PlayTranslated

Choose your plan

Start free and upgrade whenever you want

Everyone starts with a welcome bonus: your first 100 records come with everything in PRO unlocked, WhatsApp and computer access included. Refer friends and the bonus goes up to 500 records. You only pick a plan after you have used it.

FREE

50 transactions/month
Unlimited bank accounts
Daily insights
Shared group
Custom categories
Access on your computer (web) during your starter records bonus

PRO

Everything in FREE, plus...
Unlimited transactions
Unlimited WhatsApp (AI) entries
Daily advanced insights (AI)
Access on your computer (web)

Best for Couples

FAMILY

Everything in PRO, plus...
Up to 4 members (you plus 3)
Automatic calculation of who owes what
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. Your data stays yours, forever.

Frequently Asked Questions

What is Monely?

Monely is a personal finance app that helps you track income, expenses, goals and recurring transactions simply and intelligently. Available for Android and iOS.

Is Monely free?

Yes. You start with a welcome bonus: your first 100 records with everything in PRO unlocked, WhatsApp included. After that, the FREE plan carries on for good, with 50 transactions a month, unlimited accounts, no ads and no catches.

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) and is encrypted at rest in the storage infrastructure. Authentication is handled by Firebase, with App Check guarding against automated access. We do not sell your data or use it for advertising.

How do scheduled payments work?

You set up what repeats once, such as rent, a subscription or an instalment, and choose how often it recurs and when it ends. On the due date Monely reminds you, or confirms it on its own if you prefer. And it shows the progress of each plan: 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.

Download Monely

Monely is now available! Download now and start managing your finances with ease.

GET IT ON Google Play

Download on the App Store

No credit card required.