Record the first one today
Monely is on Android and iOS. Link your number in Settings and send your first message.
No credit card required.
Recording by WhatsApp
Record on WhatsApp: text, voice or a photo of the receipt
The act of recording is what turns a number into awareness. The taps it takes to get there are what make people give up. Monely keeps the first and cuts the second.
Get the appThree ways to send, one destination
Text, voice note or photo. All three end up as a record in your account.
Text
Write it the way you would tell a friend: "Spent 50 at the supermarket". Nothing to memorise, no command syntax, no fixed order. Monely reads the type, the amount, the category, the description and the date straight out of the sentence. The more context you give, the better the category comes out.
Voice note
Hold the microphone and say it. The audio is transcribed in the language you spoke, without translating, and from there it follows exactly the same path as text. Useful when you are driving, carrying bags or simply out of patience for typing.
Receipt photo
Send the photo and OCR pulls the amount, the date and the merchant. You can send up to 15 in one batch and each one becomes its own record. The caption is read too, so "4 instalments" turns the purchase into a schedule.
Spent 50 at the supermarket Uber 23 Got 3,500 from salary How much did I spend this month?
All three are read by Google Gemini. Processing is automatic, no human reads your conversations, and Monely only ever receives the messages you send to its own number.
What you can do without opening the app
The assistant is not just an inbox for expenses.
Record
Expenses, income and transfers between your own accounts. Several in one message, up to 15 at a time, each becoming its own record.
Schedule
One-off or recurring payments, daily, weekly, monthly or yearly, and instalment purchases. The due-date reminder arrives as an app notification.
Ask
Total balance, balance by account, statement, net worth, exchange rates, scheduled payments, personal budget and summaries by category, account or period.
Correct
Change or delete a recent record in plain language: "make it Groceries", "the amount was 55", "that was income, not an expense".
It lands in the app, immediately
Same account, same database. Nothing is duplicated and nothing needs importing.
- Cloud backup and sync across devices, on every plan, plus browser access at web.monely.app.
- Up to four WhatsApp numbers on one account, each with its own name, so whoever shares the card can record too.
- Eight languages and 155 currencies, plus Bitcoin.
- Shared expense groups for couples and families, with income-proportional splitting.
- Credit card limit and bank overdraft limit, so the available balance reflects what is really there.
- Default and custom categories, with labels and transaction templates.
- Direct import from Wallet, Minhas Finanças, Money Manager, Bluecoins and Splital, plus OFX and QFX statements and CSV, TSV, XLS and XLSX spreadsheets. See how importing works.
- No advertisements on any plan, including the free one.
- Light and dark theme, screen reader support, a colour-blind friendly palette and sufficient contrast.
Why the recording is manual
Nothing is pulled from your bank, and that is deliberate
An app that only pulls from the bank does one thing: it mirrors what the bank already shows you. The same statement, on a nicer screen. Looking at a list you had no part in does not change what you do next month, because you were never in it. The few seconds you spend recording are what turn data into awareness.
There is a distinction here that resolves the apparent contradiction of recording by message. The awareness comes from the gesture. The many taps it takes to reach the gesture are something else entirely, and it is the taps that make people give up. The right tool keeps the gesture and cuts the bureaucracy.
“The remedy is the gesture; the problem is the bureaucracy.”
Charles Berti, Cinco Minutos por Dia, chapter 3
Recording on WhatsApp is that sentence made concrete. You still say what you spent, in your own words, at the moment you spent it. What disappears is the screen, the fields and the app you had to open first.
Why there is no cap per category
The target is your income, not a category
Monely has no spending cap per category, and that is a decision rather than a gap. A cap is work to keep up: you set a dozen numbers in January, one of them is already wrong by March, and by June nobody is looking. Monely answers the same need from the other end, and it holds up better.
- Income goals. You set what share of the month’s income goes to investment, to shared expenses and to personal spending.
- Necessary and Desirable. Personal spending splits between what you need and what you want, each with its own target share of your income.
- The classification comes from the subcategory. You set it once and every record inherits it. There is no decision to make at each entry, which is exactly where a cap per category dies in practice.
- Investment goals. A target amount tied to an account, with a progress bar that moves as you record.
Which leaves a single question at the moment of purchase, and it is the one the book keeps returning to: do I need this, or do I just want it?
On the free plan and on PRO
Free plan
Unlimited accounts, custom categories, cloud backup and device sync; 50 transactions per month after the welcome bonus. Recording on WhatsApp works while the welcome bonus lasts, and each record counts toward that monthly limit.
PRO
Unlimited transactions, the WhatsApp assistant with no bonus window to run out, advanced AI insights, browser access at web.monely.app and priority support.
Frequently Asked Questions
What can I send to Monely on WhatsApp?
Text, a voice note or a photo of a receipt. The voice note is transcribed and the photo goes through OCR, and from that point all three follow the same path. You can send up to 15 photos in one batch, and each one becomes its own record.
Do I have to memorise commands?
No. Write the way you would tell a friend: "Spent 50 at the supermarket". The more context you give, the better the category comes out: "50 at the supermarket" is read better than "50".
Which AI reads my messages?
Google Gemini. Processing is automatic and no human reads your conversations.
Does Monely see my other WhatsApp conversations?
No. Monely only receives the messages you send to its own number. It has no access to any other conversation.
Does what I record on WhatsApp show up in the app?
Immediately. It is the same account and the same database, so nothing is duplicated and nothing needs importing. You can also see it in the browser at web.monely.app.
Can I ask questions, not just record?
Yes. Total balance, balance by account, statement, net worth, exchange rates, scheduled payments and summaries by category, account or period. You can also edit or delete a recent record in plain language.
Does recording on WhatsApp work on the free plan?
On the free plan it works while your welcome bonus lasts, and each record counts toward the limit of 50 transactions per month. On PRO there is no bonus window to run out.
Which languages does it understand?
Eight: Portuguese, English, Spanish, French, German, Indonesian, Turkish and Hindi. A voice note is transcribed in the language you spoke, without being translated.
How many WhatsApp numbers can I link?
Up to four on the same account, each with its own name. It is how a couple or a family sharing one card can all record to the same place.
Why does Monely not connect to my bank?
Because the recording is the method, not a chore around it. An app that only pulls from the bank repeats the statement you have already seen, and a list you had no part in does not change what you do next month. WhatsApp keeps the gesture of recording and removes the taps around it.
Is there a spending cap per category?
No, and it is deliberate: a cap per category is work to maintain and almost nobody maintains it. Monely works from your income instead. You set what share of the month goes to investment, to shared expenses and to personal spending, and personal spending splits into Necessary and Desirable. The classification comes from the subcategory, set once, so every record inherits it.