Monely is a personal finance app for Android, iPhone, and the web. Day to day you record spending on the entry screen; when your hands are full, WhatsApp or a receipt photo does the same. Those entries feed the charts, the goals, and the group split.
The part you do every day. If it is slow, it does not get done.
One tap sets the type: expense, income, or transfer. You type the amount on the app's own keypad, and the key that saves sits right there among the numbers, so you finish without moving your hand. Account, category, date, and note stay on the same screen.
Write “spent 45 at the market” to Monely on WhatsApp and the entry is made. It also takes voice notes and photos of receipts, and it answers in the eight languages of the app. Google Gemini reads what you sent; the entry lands in the right account and category.
Photograph the receipt and Monely reads the amount, the date, the description and the category. It works inside the app and on WhatsApp, and you correct anything that came out wrong before confirming.
Rent, subscriptions, salary. Set it once and choose what happens on the due date: a reminder for you to confirm, or an entry made automatically.
The default categories come ready and translated. Custom ones are unlimited on every plan, the free one included, with your own icons. A template repeats an entry you make often, in one tap.
Wallet (BudgetBakers), Minhas Finanças, Money Manager (Realbyte), Bluecoins and Splital have direct importers, so your history comes across. Bank statements arrive in OFX and QFX, spreadsheets in CSV, TSV, XLS and XLSX.
How importing worksEntries you never look at are bookkeeping. These turn them into a picture of the month.
Where the money went in the period, by category and by subcategory, from the largest slice down. It is usually the smallest one that surprises you.
This month against the last, and the line of the last twelve. A single month says almost nothing; the direction says a great deal.
A label cuts across categories: the trip, the renovation, the baby. Filter by it and you see the total of something that never fitted into a single category.
Every expense is marked as one or the other, and the mark comes from the subcategory. Rent is Necessary, delivery is Desirable, and you decide which is which. At the end of the month you know how much of your spending you chose and how much you merely accepted.
Where the money should go, decided before it goes somewhere else.
You set the share of the month’s income that goes to investment, to shared expenses and to your own spending. The base is the income, so in a bigger month the target grows with you instead of staying frozen at last year’s number.
A target amount tied to an account, with a progress bar. The reserve, the trip, the deposit on a flat. What you put into that account moves the bar.
Monely keeps your credit card limit and your bank overdraft, so the available balance shows what is really yours and not the friendly number on the bank’s screen.
Things that do not need a section of their own, and that you would notice at once if they were missing.
Market rates for the real, the euro and Bitcoin; the European Central Bank’s daily reference for the others.
Portuguese, English, Spanish, French, German, Turkish, Hindi and Indonesian, in the app and on WhatsApp.
On every plan, the free one included. Sign in on another device and everything is already there.
Monely opens in the light theme. In Settings, a switch turns on the Dark Theme, and your choice is remembered.
Screen reader support, contrast that meets the guideline and a palette that survives colour blindness. Accessibility statement
Not on the free plan either. Monely lives on subscriptions, not on your attention.
Native apps on both stores, and Monely in the browser at web.monely.app when you are at the computer.
These two come up often enough to deserve the reasoning instead of a shrug.
Monely does not connect to your bank. That is a decision, and there is an argument behind it.
An app that only pulls from the bank shows you what the bank already shows: the same statement, in a nicer screen. A list assembled by someone else changes nothing, because you took no part in making it. What turns an amount into awareness is the gesture of recording it, the two seconds in which you look at the number and decide where it belongs.
There is also a distinction that dissolves the apparent contradiction with WhatsApp. The awareness comes from the gesture. The bureaucracy of six taps to log a coffee is a different thing, and the bureaucracy is what makes people give up in the second week. A good tool keeps the gesture and cuts the bureaucracy, which is exactly what recording by message does: you say what you spent, and it is in.
The argument is the founder’s, in Chapter 3 of the book Cinco Minutos por Dia, in the section on why recording by hand is the remedy and not the defect. About the book (in Portuguese)
Monely has no spending cap per category. A cap is laborious to keep: it asks for a decision at every entry, and when the food cap runs out on the 20th, what stops is not the spending, it is the recording.
The same need is answered from the other end, and the other end holds up better:
The question from the book sums the whole thing up: “do I need this, or do I just want it?”
No, and that is a decision rather than a gap. An app that only mirrors the statement shows you what the bank already shows, and looking at a ready-made list changes no behaviour. Recording is what creates awareness. To keep the gesture without the bureaucracy, you can record on WhatsApp with a message, a voice note or a photo of the receipt.
No. A cap per category is laborious to keep and demands a decision at every entry. Monely works from the income instead: you set what share of the month goes to investment, to shared expenses and to personal spending, and personal spending splits between Necessary and Desirable. The mark comes from the subcategory, set once, so every entry inherits it.
Send a message to Monely’s number, such as “spent 45 at the market”. It also understands voice notes and photos of receipts. Google Gemini reads what you sent and the entry appears in the app, in the account and category it belongs to.
Android and iPhone, with native apps on both stores, and on the computer through the browser at web.monely.app. The account is the same everywhere, so an entry made on the phone is already there when you open the browser.
Yes. Wallet (BudgetBakers), Minhas Finanças, Money Manager (Realbyte), Bluecoins and Splital have direct importers. Anything else comes in as a bank statement in OFX or QFX, or as a spreadsheet in CSV, TSV, XLS or XLSX.
155 currencies plus Bitcoin, and eight languages: Portuguese, English, Spanish, French, German, Turkish, Hindi and Indonesian. Rates for the real, the euro and Bitcoin follow the market; the remaining currencies use the European Central Bank’s daily reference.
There is a free plan, and there are no ads on any plan, the free one included. What changes between plans is the volume of entries and a few features. The plans page has the comparison.
No. Only what you mark as shared goes into the group. Whatever stays in your personal space is visible to you alone, even when the two of you are in the same group.
Download Monely and record what you spent today. The entry reaches the balance and the chart the same day, not at the end of the month, so you can still steer.
No ads on any plan. See the plans