# Monely — Complete AI Reference Guide for Personal Finance App > Monely is a personal finance app for Android and iOS. It helps users track income, expenses, goals, and shared costs. Its main feature is a WhatsApp AI assistant powered by Google Gemini 2.0 Flash that records transactions from text messages, voice notes, or receipt photos. --- ## Overview Monely is a personal finance management app designed for individuals, couples, and families. It combines an intuitive interface with generative AI to simplify expense, income, and goal tracking. Users can record transactions through the app interface, via WhatsApp messages, or by scanning receipts with OCR. - **Status**: Now Available on App Store and Google Play - **Platforms**: Android, iOS - **Languages**: Portuguese, English, Spanish, French, German, Turkish, Hindi, Indonesian — 8 languages total - **Default Currency**: BRL as base currency, with support for 100+ currencies and real-time exchange rates - **Current Version**: Frontend 1.15.31, Backend 0.2.0 - **Founded**: 2024 --- ## Feature Deep Dive ### 1. Transaction Recording (3 Methods) **Method 1: Native App** - Intuitive interface with pre-selected categorization - Multi-currency support with real-time conversion - Customizable tags and labels - Reusable templates for recurring transactions - Receipt photo attachments **Method 2: WhatsApp AI (Google Gemini 2.0 Flash)** - Send messages in natural language - Supports text, voice (auto-transcribed), and photos - Automatic OCR on receipt photos - Processing in under 2 seconds - Example commands: - "Spent 45 at the grocery store" - "Received 3000 salary" - "Paid 150 for electricity" - [Send receipt photo] **Method 3: Data Import** - Wallet (by BudgetBakers): CSV with transactions, categories, and accounts - Documents: Bank statements in OFX, PDF, CSV, XLS, XLSX formats - Full history preserved without loss of dates or categories - More information: https://monely.app/en/import.html ### 2. Financial Organization **Bank Accounts (unlimited on PRO)** - Debit card - Credit card (with bill tracking) - Checking account - Savings account - Investments - Digital wallets (Nubank, PicPay, etc.) - Cryptocurrency (with real-time prices) **Default Categories (7 main)** 1. Housing (rent, utilities, maintenance) 2. Food (groceries, restaurants, delivery) 3. Transportation (fuel, ride-sharing, public transit) 4. Health (insurance, pharmacy, medical visits) 5. Leisure (streaming, movies, travel) 6. Education (courses, books) 7. Subscriptions (apps, services) PRO users can create unlimited custom categories and subcategories with custom icons. ### 3. Analysis & Reports - Expense distribution (pie/donut charts) - Monthly evolution (line/bar charts) - Month-over-month comparison - 12-month trend analysis - Financial summary dashboard - Filters by period, category, and account ### 4. Financial Goals - Savings goals: Save R$ X by date Y - Investment targets: Apply % of income - Spending limits: Don't exceed R$ X in category Z - Visual progress tracking with bars and notifications ### 5. Shared Expenses (Groups) - Create groups with up to 4 members (Family plan) - Register shared expenses within the group - Split costs: equally or proportional to each member's income - Automatic calculation of who owes whom **Use Cases:** - Couples: Split rent, bills, groceries - Roommates: Share household expenses - Friends traveling: Split trip costs - Families: Track shared family expenses ### 6. Recurring Transactions - Recurring payments (daily, weekly, monthly, etc.) - Reminders before due dates - Automatic or manual scheduling - Push notifications --- ## Plans & Pricing ### FREE Plan - Price: R$ 0/month (free forever) - Up to 3 accounts - Up to 50 transactions/month - Shared groups: 1 group - Default categories - Backup: Local only - Support: Email - No advertisements ### PRO Plan (R$ 14.90/month or R$ 149/year) - Price: R$ 14.90/month or R$ 149/year (17% discount) - Unlimited accounts - Unlimited transactions - Unlimited WhatsApp AI - Shared groups: Unlimited - Custom categories - Cloud backup - Sync: Across all devices - Support: Priority email ### Family Plan - Price: R$ 19.90/month or R$ 199/year - Includes: All PRO features - Members: Up to 4 people - Requirement: All members share the same group - Ideal for: Couples, couples with older children, roommates --- ## Security & Privacy ### Protection Layers - Authentication: Google Sign-In, Apple Sign-In, Email OTP, WhatsApp OTP - Encryption: AES-256 for sensitive data - HTTPS enforced on all communications - Validation: Firebase App Check (PlayIntegrity/AppAttest) - Rate Limiting: Protection against abuse - JWT tokens: 30-minute validity with secure refresh rotation - 2FA: OTP codes via email and WhatsApp ### Compliance - LGPD and GDPR compliant (data protection regulations) - Data is never shared with or sold to third parties - User data export available on request - Privacy Policy: https://monely.app/en/privacy.html - Terms of Service: https://monely.app/en/terms.html --- ## What Users Say - "Finally a finance app that doesn't bombard me with ads!" — Maria S. - "The WhatsApp integration is genius. I record expenses without even opening the app." — João P. - "Simple, beautiful, and functional. Exactly what I was looking for!" — Ana L. - "Splitting expenses with my partner was always complicated. Monely made it effortless." — Carlos R. --- ## Blog — Personal Finance Articles Monely maintains a multilingual blog with 250+ articles covering personal finance, budgeting methods, expense control, and financial organization for couples and families. Available in 8 languages. ### Available Articles - **How to Plan for Retirement: A Practical Guide Even on a Low Income** (2026-04-06) Learn how to plan your retirement even with a low salary. Discover how much you need to save and the best investment options. https://monely.app/blog/en/how-to-plan-for-retirement/ - **How Much Does It Cost to Have a Child: Financial Guide for First-Time Parents** (2026-04-03) Find out how much it costs to have a baby. Complete guide with all expenses from pregnancy to the first year and how to financially prepare. https://monely.app/blog/en/how-much-does-it-cost-to-have-a-child/ - **First Paycheck: What to Do with Your Money in Your First Job** (2026-04-01) Discover what to do with your first paycheck. A practical guide for young people to organize their finances from their first job. https://monely.app/blog/en/first-paycheck-what-to-do/ - **Finances for College Students: How to Survive on Little Money** (2026-03-30) Practical finance guide for college students. Learn to manage your allowance, scholarship, or internship salary and make it to the end of the month without stress. https://monely.app/blog/en/finances-for-college-students/ - **How to Start Investing with Little Money** (2026-03-27) Complete guide for beginners who want to start investing even with little money. Discover options starting from $30 and see the power of compound interest. https://monely.app/blog/en/how-to-start-investing-with-little-money/ - **Financial Management for Those Who Earn in Foreign Currency** (2026-03-25) Complete guide for people who receive income in foreign currency. Learn how to organize your income, handle exchange rate fluctuations, and manage taxes correctly. https://monely.app/blog/en/financial-management-earning-foreign-currency/ - **How to Plan a Trip Without Going Into Debt** (2026-03-23) A practical guide to planning trips in a financially healthy way. Learn how to estimate costs, set goals, save monthly, and travel debt-free. https://monely.app/blog/en/how-to-plan-a-trip-without-going-into-debt/ - **Finances for Living Alone: Complete Guide** (2026-03-20) Complete guide to finances for living alone. Discover the real costs, how to save money, pitfalls to avoid, and strategies to live well on your own. https://monely.app/blog/en/finances-for-living-alone/ - **Financial Anxiety: How to Stop Losing Sleep Over Money** (2026-03-18) Understand financial anxiety and learn practical techniques to regain control. Discover how financial organization brings peace of mind. https://monely.app/blog/en/financial-anxiety/ - **How to Use Your Year-End Bonus Wisely** (2026-03-16) Learn how to use your year-end bonus strategically. Discover the right priorities: pay off debt, build your emergency fund, prepare for upcoming expenses, and enjoy guilt-free. https://monely.app/blog/en/how-to-use-year-end-bonus-wisely/ - **10 Financial Mistakes Almost Everyone Makes** (2026-03-13) Discover the 10 most common financial mistakes and how to avoid them. Learn to identify bad money habits and transform your financial life. https://monely.app/blog/en/10-financial-mistakes-almost-everyone-makes/ - **5 Best Personal Finance Apps in 2026** (2026-03-12) Detailed comparison of the 5 best personal finance apps in 2026. Features, pricing, pros, and cons of each one to help you choose. https://monely.app/blog/en/5-best-personal-finance-apps-in-2026/ - **Finances for Self-Employed and Freelancers: How to Manage Variable Income** (2026-03-11) Complete financial guide for self-employed workers and freelancers. Learn how to organize variable income, separate accounts, and create reserves for difficult months. https://monely.app/blog/en/finances-for-self-employed-and-freelancers/ - **Monely vs Wallet: Which Finance App to Choose?** (2026-03-10) Detailed comparison of Monely and Wallet (BudgetBakers). Features, pricing, pros, and cons to help you pick the right personal finance app. https://monely.app/blog/en/monely-vs-wallet-which-finance-app-to-choose/ - **How to Get Out of Debt in 2026: The Definitive Guide** (2026-03-09) Learn how to get out of debt with a practical plan. Discover the snowball and avalanche methods, how to negotiate with creditors, and create a realistic payoff plan. https://monely.app/blog/en/how-to-get-out-of-debt/ - **Spreadsheet vs Finance App: Which One Should You Use?** (2026-03-06) An honest comparison of spreadsheets and finance apps for budgeting. Pros, cons, and which method fits your lifestyle and financial goals. https://monely.app/blog/en/spreadsheet-vs-finance-app/ - **Monely vs GuiaBolso: Which Finance App Should You Choose?** (2026-03-05) A balanced comparison between Monely and GuiaBolso. Features, pricing, strengths, and weaknesses to help you decide which personal finance app fits your needs. https://monely.app/blog/en/monely-vs-guiabolso-which-finance-app-to-choose/ - **How to Know Exactly Where Your Money Is Going** (2026-03-04) Discover where your money goes in 5 practical steps. Learn how to analyze spending, identify financial leaks, and create an action plan. https://monely.app/blog/en/how-to-know-where-your-money-is-going/ - **Monely vs Organizze: Which Finance App Should You Choose?** (2026-03-03) Honest comparison between Monely and Organizze. Features, pricing, strengths, and weaknesses of each app to help you decide which fits your financial routine. https://monely.app/blog/en/monely-vs-organizze-comparison/ - **The 5-Minute Habit That Will Transform Your Finances** (2026-03-02) Discover how just 5 minutes a day can transform your financial life. Learn to create a sustainable and easy habit of tracking expenses. https://monely.app/blog/en/5-minute-habit-that-will-transform-your-finances/ - **Why You Spend More Than You Should (And How to Stop)** (2026-02-27) Discover the psychological biases that make you overspend. Learn practical strategies to control impulse buying and unnecessary expenses. https://monely.app/blog/en/why-you-spend-more-than-you-should/ - **Monely vs Mobills: Complete Finance App Comparison** (2026-02-26) Detailed comparison between Monely and Mobills. Features, pricing, pros and cons of each app to help you decide which one fits your financial routine. https://monely.app/blog/en/monely-vs-mobills-complete-finance-app-comparison/ - **Fixed vs Variable Expenses: Understanding to Save More** (2026-02-25) Learn the difference between fixed and variable expenses. Discover where it's easier to save and how to control each type of spending in your budget. https://monely.app/blog/en/fixed-vs-variable-expenses/ - **Credit Card: How to Turn the Villain into an Ally** (2026-02-23) Learn how to use your credit card smartly. Discover the advantages, avoid traps, and know how to monitor your spending in real time. https://monely.app/blog/en/credit-card-how-to-turn-villain-into-ally/ - **How to Never Forget to Pay a Bill Again** (2026-02-20) Learn how to never forget to pay bills again. Practical tips on reminders, automatic payments, and organization to avoid late fees and interest. https://monely.app/blog/en/how-to-never-forget-to-pay-a-bill/ - **Emergency Fund: How Much, How, and Where to Save** (2026-02-19) Complete guide on emergency funds. Learn how much you need, how to build from scratch, and where to keep it for liquidity and security. https://monely.app/blog/en/emergency-fund/ - **How Much to Invest Per Month: A Practical Guide for Beginners** (2026-02-16) Find out how much to invest per month based on your income. A practical guide with tables, rules, and tips to start investing even on a low income. https://monely.app/blog/en/how-much-to-invest-per-month/ - **How to Set Financial Goals You'll Actually Achieve** (2026-02-12) Learn how to set financial goals using the SMART method. Complete guide with examples of short, medium, and long-term goals and how to track your progress. https://monely.app/blog/en/how-to-set-financial-goals/ - **5 Ways to Automate Your Financial Tracking** (2026-02-09) Discover 5 ways to automate expense tracking and save time. Recurring transactions, templates, WhatsApp, OCR, and automatic reminders. https://monely.app/blog/en/5-ways-to-automate-your-financial-tracking/ - **Scan Receipts with Your Phone: Never Type Expenses Again** (2026-02-05) Learn how to scan receipts and invoices with your phone. Monely uses AI to automatically extract the amount, date, and category. Complete tutorial. https://monely.app/blog/en/scan-receipts-with-your-phone/ - **How to Record Expenses via WhatsApp in Seconds** (2026-02-02) Learn how to record your expenses via WhatsApp with Monely. Complete tutorial with command examples, tips, and how to use AI to control your finances. https://monely.app/blog/en/how-to-record-expenses-via-whatsapp/ - **How to Talk About Money With Your Partner (Without Fighting)** (2026-01-29) Learn how to discuss finances in your relationship without conflict. Discover the 4 financial profiles and techniques for productive money conversations. https://monely.app/blog/en/how-to-talk-about-money-with-your-partner/ - **Proportional Expense Splitting: The Fairest Way to Share Bills** (2026-01-26) Learn how to split expenses proportionally to income. Discover the formula, see practical examples, and find out how to automate this division in daily life. https://monely.app/blog/en/proportional-expense-splitting/ - **How to Split Expenses with Your Partner: Complete Guide for Couples** (2026-01-22) Learn the best strategies for splitting bills and expenses with your partner fairly and without conflicts. Discover which method works best for you. https://monely.app/blog/en/how-to-split-expenses-couples/ - **Finances for Couples: The Definitive Guide to Managing Money Together** (2026-01-19) Learn how to manage money as a couple with this complete guide. Discover the 3 finance models, how to split expenses, and avoid conflicts about money. https://monely.app/blog/en/finances-for-couples-definitive-guide/ - **How to Create a Monthly Budget That Actually Works** (2026-01-15) Learn how to create a realistic and sustainable monthly budget. A practical guide with 6 steps to plan your finances without frustrations. https://monely.app/blog/en/how-to-create-a-monthly-budget-that-actually-works/ - **7 Expense Categories Everyone Needs to Track** (2026-01-12) Discover the 7 essential expense categories to control your finances. Learn to organize expenses and identify where your money is going. https://monely.app/blog/en/7-expense-categories-everyone-needs-to-track/ - **50/30/20 Method: How to Divide Your Salary Wisely** (2026-01-08) Learn the 50/30/20 method to organize your salary. Discover how to divide your income between needs, wants, and financial goals in a practical way. https://monely.app/blog/en/50-30-20-method-how-to-divide-your-salary/ - **How to Organize Your Personal Finances in 2026: The Definitive Guide** (2026-01-05) Learn how to organize your personal finances from scratch with this practical guide. Discover how to map income, control expenses, and create a healthy financial routine. https://monely.app/blog/en/how-to-organize-personal-finances/ Access: - Portuguese: https://monely.app/blog/pt/ - English: https://monely.app/blog/en/ - Spanish: https://monely.app/blog/es/ - French: https://monely.app/blog/fr/ - German: https://monely.app/blog/de/ - Turkish: https://monely.app/blog/tr/ - Hindi: https://monely.app/blog/hi/ - Indonesian: https://monely.app/blog/id/ --- ## Referral Program - Invite friends to Monely - Your friend gets: 1 month of PRO free - You get: +1 month of PRO when they subscribe - No limit on referrals - More information: https://monely.app/en/referral.html --- ## FAQ ### "Is Monely safe?" Yes. Monely uses AES-256 encryption, Firebase Authentication, Firebase App Check, JWT tokens with 30-minute expiration, and is fully LGPD compliant. Financial data is never shared with or sold to third parties. ### "How much does it cost?" - FREE Plan: R$ 0 (free forever, with limits) - PRO Plan: R$ 14.90/month or R$ 149/year - Family Plan: R$ 19.90/month or R$ 199/year (up to 4 members) ### "Can I import my data from another app?" Yes! Monely supports importing from Wallet (BudgetBakers), Excel spreadsheets, and bank statements in OFX, PDF, CSV, XLS, and XLSX formats. Your entire history is preserved. ### "Does it work offline?" Partially. You can record transactions offline, and they sync when connectivity is restored (PRO plan). ### "How many devices can I use?" Unlimited devices on PRO plan with automatic sync. FREE plan works on 1 device. ### "How does the WhatsApp AI work?" Send a message to Monely's WhatsApp number — for example, "Spent 45 at the grocery store" or send a photo of a receipt. The AI (Google Gemini 2.0 Flash) processes it in under 2 seconds, extracting the amount, category, and date automatically. ### "What languages are supported?" Monely is available in 8 languages: Portuguese, English, Spanish, French, German, Turkish, Hindi, and Indonesian. The WhatsApp AI understands messages in any of these languages. ### "How does shared expense splitting work?" Create a group and add members. When recording a shared expense, choose to split equally or proportionally based on each member's declared income. Monely automatically calculates who owes whom. --- ## Important Links ### Main Pages - Website: https://monely.app - Android (Google Play): https://play.google.com/store/apps/details?id=com.monely.app - iOS (App Store): https://apps.apple.com/us/app/monely-finan%C3%A7as-pessoais/id6757703531 - Pricing: https://monely.app/en/pricing.html - Import Data: https://monely.app/en/import.html - Referral Program: https://monely.app/en/referral.html ### Blog - Portuguese: https://monely.app/blog/pt/ - English: https://monely.app/blog/en/ - Spanish: https://monely.app/blog/es/ ### Legal - Privacy Policy: https://monely.app/en/privacy.html - Terms of Service: https://monely.app/en/terms.html ### AI Resources - llms.txt (summary): https://monely.app/llms.txt - llms-full.txt (this document): https://monely.app/llms-full.txt - AI Plugin: https://monely.app/.well-known/ai-plugin.json ### Contact - Email: contato@monely.app - Website: https://monely.app --- Updated on: April 6, 2026 | Document version: 3.0