Your spending this month is 15% lower than last month. Keep it up to reach your savings goal faster.
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Accounts listView forecast
Cash$513.00
Checking Account$2,047.00
Investment$9,449.00
Add Account
Upcoming PaymentsView all
Rent
Cash
-$228.0005/03
Electricity
Cash
-$29.0010/03
Credit cardsAdd card
Credit Card
Current bill$169.00
Closed bill$95.00
Limit
$264.00 of $1,500.00$1,236.00 available
event$95.00 bill is due in 3 dayschevron_right
Expense structure
THIS MONTH$617.00
vs previous period
-15%
pace-11%
Tap to select
HousingFoodVehicleHealthShopping
Expense Type
THIS MONTH
86%
Necessary$530.0085.8%
Desirable$88.0014.2%
Period comparison
THIS MONTH$48.00
Cash flowExpensesIncome
Current periodPrevious periodSame period last year
WkMoYr
currency_exchangeExchange Rates
EUR$1.09
GBP$1.27
BTC$97,500
Net Worth
TODAY$11,745.00
vs previous period+15%
6M1Y2Y5Y
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%
Housing31.0%$102.00View details
Shopping$104.96
32%
Housing$102.00
31%
Food$45.92
14%
Health$29.52
9%
Communication$16.40
5%
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.
Start investing today and build your financial future!
keyboard_arrow_down 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 date02/05/2026
Recurrence Type
Monthly
Repeat every
1
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
$328.0082%
Income: $399.00Balance $72.00
Planned
Expenses $45.00Proj. 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
5.0Google 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 MonteiroGoogle 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_ GomesGoogle 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 MendonçaGoogle 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. You only pick a plan after you have used it.
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. 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 unlimited records, unlimited accounts, no ads and no catches. What the free plan leaves out is scheduled payments, card installment purchases, loan tracking and labels on records, unlocked by ESSENTIAL, plus advanced daily insights, access on your computer, WhatsApp (AI) entries, receipt attachment and investments with quote updates, unlocked by PRO.
How do I log expenses via WhatsApp?
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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?
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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?
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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?
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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?
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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.
Hello, Moni
