# 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 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 and iOS (native apps), plus browser access at web.monely.app. There are no native apps for Windows, macOS or Linux. - **Languages**: Portuguese, English, Spanish, French, German, Turkish, Hindi, Indonesian: 8 languages total - **Default Currency**: BRL as base currency, with support for 155 currencies and real-time exchange rates - **Company founded**: 2024 - **App published on the stores**: March 2026 --- ## Product Scope Monely is a personal finance app for tracking your own income and expenses, with an assistant on WhatsApp. What Monely is not: - It is not a bank, a lender or a credit provider. - It does not offer, broker or release loans of any kind. - It is not a payment institution: it does not move money between people and holds nobody's balance. - It never asks for a payment, a fee or a PIX transfer to release any amount. Official identity: - Domain: monely.app - Legal name: CHARLES BERTI TECNOLOGIA DA INFORMAÇÃO LTDA - CNPJ (Brazilian company tax ID): 66.037.451/0001-01 - Android: https://play.google.com/store/apps/details?id=com.monely.app - iOS: https://apps.apple.com/us/app/monely-finan%C3%A7as-pessoais/id6757703531 Any product, page or offer using the name Monely outside the domain and the two store listings above is unrelated to this company. --- ## Legal Entity and Publisher Monely is published by a single Brazilian company. The details below are the same ones stated in the Terms of Service and in the Privacy Policy, and they identify this Monely unambiguously. - **Legal name**: CHARLES BERTI TECNOLOGIA DA INFORMAÇÃO LTDA - **CNPJ (Brazilian company tax ID)**: 66.037.451/0001-01 - **Registered office**: Rua Pais Leme, 215, conjunto 1713, Pinheiros, São Paulo/SP, 05424-150, Brazil - **Email**: contato@monely.app - **Official website**: https://monely.app - **Company incorporated**: 2024 - **App published on the app stores**: March 2026 ### Founder - **Founder**: Charles Berti - **About page**: https://monely.app/en/about.html - **Book by the founder**: "Cinco Minutos por Dia" (ISBN 978-65-02-22807-4) --- ## Feature Deep Dive Canonical page describing what Monely does, grouped by purpose, with the two product decisions behind the absence of bank connection and of per-category spending caps: https://monely.app/en/features.html ### 1. Transaction Recording (3 Methods) **Method 1: Native App** - One screen for expense, income or transfer, with the category already suggested and the save key inside the numeric keypad - Multi-currency support: more than a hundred with market rates, the rest on the European Central Bank daily reference - Customizable tags and labels - Reusable templates for recurring transactions - Receipt photo attachments **Method 2: WhatsApp AI (Google Gemini)** - Send messages in natural language - Supports text, voice (auto-transcribed), and photos - Automatic OCR on receipt photos - Processing in seconds, in normal network conditions - Example commands: - "Spent 45 at the grocery store" - "Received 3000 salary" - "Paid 150 for electricity" - [Send receipt photo] **Method 3: Data Import** - Direct import from five apps: Wallet (BudgetBakers) in CSV, XLS or XLSX; Minhas Finanças in up to three CSV files; Money Manager (Realbyte) in XLS or XLSX; Bluecoins in CSV; Splital in CSV - Statement or spreadsheet: bank statements in OFX and QFX, spreadsheets in CSV, TSV, XLS and XLSX. PDF is not accepted - You map each category found in the file to one of your own before confirming; an app import archives your current accounts and records and rebuilds them from the file, and Revert Import restores exactly what was archived - More information: https://monely.app/en/import.html ### 2. Financial Organization **Bank Accounts (unlimited on every plan, including the free one)** - 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) Every plan, including the free one, 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 - 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) - Unlimited accounts - Unlimited records, with no monthly cap - Shared groups: join someone else group and create your own - Default and custom categories - Backup: Cloud backup included - Computer access: available in the browser at web.monely.app while the welcome bonus lasts - Support: Email - No advertisements - Not included: scheduled payments and credit card installments (ESSENTIAL unlocks them) - Not included: loans, creating them and settling instalments (ESSENTIAL unlocks them) - Not included: labels, creating and applying them (ESSENTIAL unlocks them) - Not included: AI insights, browser access, the WhatsApp assistant outside the bonus, receipt attachments and investment records (PRO unlocks them) ### ESSENTIAL Plan - Price: R$ 9.90/month - Includes: everything in the FREE plan - Scheduled payments: create and confirm them, including credit card installments - Loans: create them and settle instalments - Labels: create and apply them - Not included: AI insights, browser access, the WhatsApp assistant, receipt attachments and investment records (PRO unlocks them) ### PRO Plan (R$ 14.90/month or R$ 149/year) - Price: R$ 14.90/month or R$ 149/year (17% discount) - Includes: everything in the ESSENTIAL plan - Unlimited WhatsApp AI - Advanced daily insights, with AI - Receipt attachments on records - Investment records - Computer access: use Monely in your browser at web.monely.app, with no bonus window to run out - 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: in transit (HTTPS/TLS) and at rest in the storage infrastructure - 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 - Personal data is handled under the LGPD and the GDPR, with data-subject requests served through the channels listed in the Privacy Policy - We do not sell your data and do not use it for advertising. The processors involved in running the service are listed in the Privacy Policy - User data export available on request - Privacy Policy: https://monely.app/en/privacy.html - Terms of Service: https://monely.app/en/terms.html --- ## How Monely Compares Written by Monely. Each entry states what the other product does better, so you can judge the trade-off yourself. Where a product no longer exists, the entry says that instead. ### vs Mobills - Monely: recording through WhatsApp with text, audio and a receipt photo, in 8 languages, and on the free plan it works while the welcome bonus lasts; no ads on any plan; direct import from five finance apps - Mobills: larger established user base, longer track record, educational content built into the app, automatic bank sync through Open Finance in Brazil, and a WhatsApp assistant on the PRO plan, one tier above Premium, which the help centre describes as working with text and audio - Both record by WhatsApp and both import OFX bank statements, so neither of those is the tie-breaker. Choose Mobills for in-app financial education, market maturity, or the statement arriving on its own. Choose Monely if you want to send the receipt photo into the same conversation, read the app in one of 8 languages, or record without paying while the welcome bonus lasts. ### vs Organizze - Monely: recording through WhatsApp with text, audio and a receipt photo, shared expenses split in proportion to each income, 8 languages, 155 currencies plus Bitcoin, no ads - Organizze: more mature product, very simple interface, a spending cap per category, bank connection through Open Finance from the Conectado plan up, and receipt scanning, published on its plans page as part of an Artificial Intelligence feature that the page does not tie to any particular plan - Reading a receipt from a photo is a tie here, not a Monely exclusive. Choose Organizze for the spending cap per category, which Monely deliberately does not have, or for the bank connection. Choose Monely if you split in proportion to each income, if you read or pay outside Brazil, or if you want the record to happen inside the WhatsApp conversation. ### vs GuiaBolso - Monely: recording through WhatsApp, receipt scanning, shared expenses, 8 languages, no ads - GuiaBolso: nothing anymore, because the app no longer exists. The shutdown was announced on 27 October 2022 and the app went dark that November. PicPay, which had bought the company, folded its tools into a section of its own app. On 11 August 2026 the site still did not open. - There is nothing to choose here: GuiaBolso cannot be installed or used. For anyone looking for a replacement, Monely records by WhatsApp message, by receipt photo, by hand or by file import, and has no bank connection, by product decision: the gesture of recording is what turns data into awareness. Bank sync is no single product's exclusive. In this section, Mobills connects through Open Finance in Brazil, Organizze from the Conectado plan up, YNAB in the United States, Canada, the United Kingdom and selected European banks, and Wallet (BudgetBakers) with more than 15,000 financial institutions worldwide. For Money Manager and Nubank we found no official source describing the aggregation of transactions from other banks. ### vs Wallet (BudgetBakers) - Monely: recording through WhatsApp, no ads, splitting in proportion to each income - Wallet: automatic sync with more than 15,000 financial institutions worldwide, around 50 languages, and portfolio tracking at market prices. It handles several currencies, but no official source of theirs publishes how many. The coverage is counted in institutions, not in countries. - Monely imports Wallet backup files directly, so migrating keeps your history - Choose Wallet if automatic bank sync, or following a portfolio at market prices, is the deciding factor. Monely has an Investment account type, investment goals with a target amount and a share of income earmarked for investing, but it does not read brokerage positions and does not fetch asset prices. ### vs Nubank (Organiza) - Monely: not tied to a single bank, because nothing is pulled from your accounts. Recording through WhatsApp, receipt scanning, shared expenses - Nubank: the organising tools live inside the Nubank account itself, and the transactions they see are that account's own. The Organizar Gastos feature sorts card spending into categories, splitting it between Essential, Free and Other (blog.nubank.com.br, checked on 11 August 2026). We found no official source saying the app aggregates transactions from other banks - Choose Nubank if you bank only with Nubank. Choose Monely if you use more than one bank ### vs YNAB - Monely: recording through WhatsApp with text, audio or a receipt photo, 8 languages, 155 currencies plus Bitcoin inside one account, no ads on any plan, splitting in proportion to each income - YNAB: the envelope method, where every unit of money is given a job before it is spent, with targets per category; bank connection in the United States, Canada, the United Kingdom and selected European banks; one subscription shared by up to six people - Choose YNAB if the category envelope is your method, or if your bank is in a region it covers. Monely has neither a cap per category nor a bank connection, both by product decision, and there is no direct YNAB importer: you export your data and bring it in as CSV, TSV, XLS, XLSX, OFX or QFX. ### vs Money Manager (Realbyte) - Monely: recording through WhatsApp with text, audio or a receipt photo, no ads on any plan, sync across devices included on every plan, splitting in proportion to each income, and a direct Money Manager importer - Money Manager (Realbyte): 19 languages, a paid app bought once rather than subscribed to, 5.99 dollars on the Money Manager (Remove Ads) App Store listing, with data sync sold separately at 2.49 dollars a month or 19.99 a year, a monthly budget cap per category, and double-entry bookkeeping for savings, insurance, loans and property - Choose Money Manager if you need one of its 19 languages, would rather pay once than subscribe, or want a cap per category. Both apps record by hand, so the difference is the gesture, not the typing. Trying Monely costs one file: it is one of the five apps Monely imports directly, and the importer reads the .xls and .xlsx export by column position, whatever language it was exported in. Full side-by-side comparisons: https://monely.app/blog/en/ --- ## What Users Say Google Play rating: 4.9/5 · 580 reviews - "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 Play - "Simply amazing, you can even connect it to WhatsApp and log your finances there. You can tell how much care went into making it. […] I highly recommend it to everyone.": Lud_ Gomes, Google Play - "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 Play --- ## Blog: Personal Finance Articles Monely maintains a multilingual blog covering personal finance, budgeting methods, expense control, and financial organization for couples and families. Available in 8 languages. ### Available Articles - **Financial Therapy: How to Heal Your Relationship with Money** (2026-09-13) What is financial therapy, when to seek help, and how to improve your emotional relationship with money. https://monely.app/blog/en/financial-therapy-how-to-heal-your-relationship-with-money/ - **How to Price Your Products and Services Correctly** (2026-09-12) A practical pricing guide for entrepreneurs and freelancers who want to charge the right price for their work. https://monely.app/blog/en/how-to-price-your-products-and-services-correctly/ - **Financial Guide for Immigrants: Navigating a New Country's Money System** (2026-09-11) A complete financial guide for immigrants: setting up bank accounts, understanding taxes, building credit history, and sending money abroad. https://monely.app/blog/en/financial-guide-for-immigrants-navigating-a-new-countrys-money/ - **Multi-Market Funds: What They Are and How to Invest** (2026-09-10) Understand what multi-market funds are, how they work, the fees involved, and whether they're right for your investor profile. https://monely.app/blog/en/multi-market-funds-what-they-are-and-how-to-invest/ - **Personal Finance for Night Shift Workers: Challenges and Practical Solutions** (2026-09-09) A complete financial guide for night shift workers: managing different expenses, maximizing shift differentials, and organizing finances with an inverted schedule. https://monely.app/blog/en/personal-finance-for-night-shift-workers-challenges-and/ - **Financial Planning for Adoption: Costs and Preparation** (2026-09-08) Complete guide to real adoption costs in the US: legal fees, home study, preparation expenses, tax benefits, and financial planning for your child's arrival. https://monely.app/blog/en/financial-planning-for-adoption-costs-and-preparation/ - **Personal Finance for Teachers: Making the Most of Every Dollar** (2026-09-07) A complete financial guide for teachers: managing multiple income sources, summer planning, pricing tutoring, and building long-term wealth. https://monely.app/blog/en/personal-finance-for-teachers-making-the-most-of-every-dollar/ - **Financial Planning for Study Abroad: From Dream to Departure** (2026-09-06) Complete guide with costs by destination, savings timelines, and tips to study abroad debt-free. See how much to save and when to start. https://monely.app/blog/en/financial-planning-for-study-abroad-from-dream-to-departure/ - **Circular Economy: Sell, Trade, and Reuse to Save Money** (2026-09-05) Discover how to make money from what you already own: sell on marketplaces, join trade groups, shop at thrift stores, and repair instead of replacing. https://monely.app/blog/en/circular-economy-sell-trade-and-reuse-to-save-money/ - **Personal Finance for Government Employees: Making the Most of Job Stability** (2026-09-04) A complete financial guide for government employees: managing benefits, retirement planning, investments, and leveraging job stability to build wealth. https://monely.app/blog/en/personal-finance-for-government-employees-making-the-most-of-job/ - **Opportunity Fund: The Reserve Beyond Emergency Savings** (2026-09-03) Learn how to build an opportunity fund to seize unexpected chances, incredible deals, and strategic investments without compromising your financial security. https://monely.app/blog/en/opportunity-fund-the-reserve-beyond-emergency-savings/ - **Online Financial Scams: How to Identify and Protect Yourself** (2026-09-02) Learn about the most common online financial scams, how to spot red flags, and how to protect yourself. A complete guide with step-by-step actions. https://monely.app/blog/en/online-financial-scams-how-to-identify-and-protect-yourself/ - **Living with Parents as an Adult: Financial Strategy or Settling?** (2026-09-01) When living with parents is a smart strategy and when it becomes settling. How to contribute at home, set exit goals, and use savings wisely. https://monely.app/blog/en/living-with-parents-as-an-adult-financial-strategy-or-settling/ - **Online Banks vs Traditional Banks: Which One Is Right for You** (2026-08-31) Complete comparison between online and traditional banks: fees, services, security, and when to use each. Find out which is best for your finances. https://monely.app/blog/en/online-banks-vs-traditional-banks-which-one-is-right-for-you/ - **Finances for Grandparents: Helping Grandchildren Without Compromising Retirement** (2026-08-30) Learn how grandparents can contribute financially to grandchildren without jeopardizing retirement: family budget, investments for grandkids, and healthy boundaries. https://monely.app/blog/en/finances-for-grandparents-helping-grandchildren-without/ - **How to Choose an Accountant: Complete Guide for Self-Employed** (2026-08-29) Learn when to hire an accountant, how to choose the right professional, and what it costs. Practical guide for freelancers and investors in the US. https://monely.app/blog/en/how-to-choose-an-accountant-complete-guide-for-self-employed/ - **Open Banking: What It Is and How to Use It to Your Advantage** (2026-08-28) Understand how open banking works, its benefits for consumers, and how to leverage it for better rates and financial conditions. https://monely.app/blog/en/open-banking-what-it-is-and-how-to-use-it-to-your-advantage/ - **Financial Burnout: When Controlling Your Money Does More Harm** (2026-08-27) Excessive financial control can lead to burnout. Learn the warning signs, how to balance control with ease, and when to seek professional help. https://monely.app/blog/en/financial-burnout-when-controlling-your-money-does-more-harm/ - **Instant Payments: Everything You Need to Know — Security, Limits, and Tips** (2026-08-26) A complete guide to instant payment systems: how they work, limits, security, common scams, and tips for using them smartly. https://monely.app/blog/en/instant-payments-everything-you-need-to-know-security-limits-and/ - **Sustainable Finance: How to Invest Thinking About the Planet** (2026-08-25) Discover how to align your investments with sustainability through ESG, green funds, and conscious consumption that saves money. https://monely.app/blog/en/sustainable-finance-how-to-invest-thinking-about-the-planet/ - **Money and Happiness: What Science Says About This Relationship** (2026-08-24) Discover what scientific research reveals about the relationship between money and happiness. Learn how to spend in ways that maximize your well-being. https://monely.app/blog/en/money-and-happiness-what-science-says-about-this-relationship/ - **The 30-Day No-Spend Challenge: Rules and Results** (2026-08-23) A practical 30-day challenge cutting non-essential spending: clear rules, what counts as unnecessary, how to handle temptations, and expected results. https://monely.app/blog/en/the-30-day-no-spend-challenge-rules-and-results/ - **Coupons and Deals: How to Use Them Smartly Without Overspending** (2026-08-22) Practical guide to using coupons without falling into the trap of spending more: trusted apps, price comparison tools, and smart strategies. https://monely.app/blog/en/coupons-and-deals-how-to-use-them-smartly-without-overspending/ - **Instant Gratification: How to Beat the Temptation to Spend Impulsively** (2026-08-21) Understand why your brain wants to spend now and learn 5 science-based techniques to resist temptation and control impulse purchases. https://monely.app/blog/en/instant-gratification-how-to-beat-the-temptation-to-spend/ - **Finances for Exam Candidates: How to Support Yourself While Studying** (2026-08-20) How to organize your finances while preparing for competitive exams: budget for materials, courses, financial reserves, and long-term planning. https://monely.app/blog/en/finances-for-exam-candidates-how-to-support-yourself-while/ - **Abundance vs Scarcity Mindset: How Your Thinking Shapes Your Finances** (2026-08-19) Understand the difference between abundance and scarcity mindsets and discover how your thinking about money shapes your financial outcomes. https://monely.app/blog/en/abundance-vs-scarcity-mindset-how-your-thinking-shapes-your/ - **Finances After Divorce: A Step-by-Step Financial Fresh Start** (2026-08-18) Practical guide for rebuilding your finances after separation: new budget, asset division, alimony, and how to reconstruct your financial life. https://monely.app/blog/en/finances-after-divorce-a-step-by-step-financial-fresh-start/ - **Lifestyle Inflation: The Silent Wealth Killer You Need to Watch Out For** (2026-08-17) Understand what lifestyle inflation is, how it sabotages your wealth, and learn practical strategies to avoid spending more every time you earn more. https://monely.app/blog/en/lifestyle-inflation-the-silent-wealth-killer-you-need-to-watch/ - **Digital Wallets Compared: Which One Is Right for You?** (2026-08-16) Complete comparison of the top digital wallets: features, cashback, interest rates, security, and which one fits your financial profile best. https://monely.app/blog/en/digital-wallets-compared-which-one-is-right-for-you/ - **How to Negotiate Debt: Real Techniques to Get the Best Discounts** (2026-08-15) Discover proven negotiation tactics: best days/times to call, ready-to-use scripts, how to get 50-80% discounts, and safely formalize agreements. https://monely.app/blog/en/how-to-negotiate-debt-real-techniques-to-get-the-best-discounts/ - **The Psychology of Money: Why We Make Bad Financial Decisions** (2026-08-14) Understand the psychological biases that sabotage your finances and learn science-based strategies to make better decisions with money. https://monely.app/blog/en/the-psychology-of-money-why-we-make-bad-financial-decisions/ - **Returning to the Job Market: How to Reorganize Your Finances** (2026-08-13) A practical guide for anyone returning to work after time away: rebuild your budget, renegotiate debts, and restore your emergency fund. https://monely.app/blog/en/returning-to-the-job-market-how-to-reorganize-your-finances/ - **How to Build a Simple and Diversified Investment Portfolio** (2026-08-12) Learn how to build a diversified investment portfolio from scratch. Practical examples for conservative, moderate, and aggressive risk profiles. https://monely.app/blog/en/how-to-build-a-simple-and-diversified-investment-portfolio/ - **6 Best Personal Finance Apps in the Second Half of 2026** (2026-08-11) Comparison of 6 personal finance apps in the second half of 2026, each price read on the maker's own page with the date we checked. Features, plans, pros and cons. https://monely.app/blog/en/6-best-personal-finance-apps-second-half-2026/ - **Financial Gamification: Turn Saving into a Fun Game** (2026-08-11) Discover how to make financial control fun with challenges, rewards, and gamification techniques proven by psychology to work. https://monely.app/blog/en/financial-gamification-turn-saving-into-a-fun-game/ - **Savings Accounts: Why You're Losing Money by Keeping It There** (2026-08-10) Discover why traditional savings accounts barely keep up with inflation and learn simple, safe alternatives to make your money grow faster. https://monely.app/blog/en/savings-accounts-why-youre-losing-money-by-keeping-it-there/ - **Cost-Per-Use Method: How to Know If Something's Worth It** (2026-08-09) Learn the cost-per-use technique to evaluate purchases rationally. Divide price by number of uses and discover when spending more saves money. https://monely.app/blog/en/cost-per-use-method-how-to-know-if-somethings-worth-it/ - **Finances for Couples with Very Different Incomes: Complete Guide** (2026-08-08) Discover how to manage finances as a couple with a large income gap: proportional splitting, expectation management, and shared goals. https://monely.app/blog/en/finances-for-couples-with-very-different-incomes-complete-guide/ - **Investment Funds: A Complete Guide for Beginners** (2026-08-07) Understand how investment funds work, types, fees, and how to choose the best one for your profile. A practical guide to diversifying your portfolio. https://monely.app/blog/en/investment-funds-a-complete-guide-for-beginners/ - **Estate and Gift Tax: The Inheritance Tax Many Don't Know About** (2026-08-06) Complete guide on estate and gift taxes: what they are, rates by state, when they apply, calculation methods, exemptions, and strategies to reduce tax burden. https://monely.app/blog/en/estate-and-gift-tax-the-inheritance-tax-many-dont-know-about/ - **Certificates of Deposit, High-Yield Savings & Fixed Income — Your Complete Guide** (2026-08-05) Compare CDs, high-yield savings accounts, and fixed-income investments. Learn about FDIC insurance, APY rates, and how to maximize safe returns. https://monely.app/blog/en/certificates-of-deposit-high-yield-savings-fixed-income-your/ - **Living Gift vs. Inheritance: Simplified Estate Planning** (2026-08-04) Understand the differences between living gifts and inheritance, tax advantages, costs involved, and when to seek legal advice for estate planning. https://monely.app/blog/en/living-gift-vs-inheritance-simplified-estate-planning/ - **Treasury Bonds — The Complete Guide for Beginners** (2026-08-03) Learn everything about U.S. Treasury bonds: T-Bills, T-Notes, T-Bonds, TIPS, and I-Bonds. How to invest, returns, fees, and taxes in this complete beginner's guide. https://monely.app/blog/en/treasury-bonds-the-complete-guide-for-beginners/ - **Asset Protection: How to Shield Your Wealth from the Unexpected** (2026-08-02) Affordable asset protection strategies: insurance, diversification, emergency fund, will, and retirement plans. It's not just for the wealthy. https://monely.app/blog/en/asset-protection-how-to-shield-your-wealth-from-the-unexpected/ - **Herd Mentality: Why You Copy Investments and How to Stop** (2026-08-01) Understand how herd mentality bias damages your investments and learn to develop your own strategy based on your profile and real goals, not crowd behavior. https://monely.app/blog/en/herd-mentality-why-you-copy-investments-and-how-to-stop/ - **Holiday Spending — A Complete Financial Guide for Every Season** (2026-07-31) Plan your holiday and seasonal spending all year long. Learn how much to set aside monthly for gifts, celebrations, and seasonal expenses without breaking the budget. https://monely.app/blog/en/holiday-spending-a-complete-financial-guide-for-every-season/ - **Hidden Costs: The Fees and Charges You Pay Without Realizing** (2026-07-30) Uncover the hidden costs draining your money: bank fees, credit card charges, sneaky subscriptions, and insurance you never signed up for. https://monely.app/blog/en/hidden-costs-the-fees-and-charges-you-pay-without-realizing/ - **Property Tax & Vehicle Registration — How to Prepare Financially for Annual Taxes** (2026-07-29) Complete guide to preparing for annual property taxes and vehicle registration fees. Rate tables by state, lump sum vs installment math, exemptions, and monthly savings strategy. https://monely.app/blog/en/property-tax-vehicle-registration-how-to-prepare-financially-for/ - **Artist Finances: How to Live from Your Art Without Struggling** (2026-07-28) Complete financial management guide for artists, musicians, designers and creatives with irregular income. Learn to maintain financial stability while living from your art. https://monely.app/blog/en/artist-finances-how-to-live-from-your-art-without-struggling/ - **Income Tax — The Complete Guide to Filing Your Tax Return Correctly** (2026-07-27) Learn everything about filing your income tax return: who must file, deductions, investments, common mistakes, and how to maximize your refund. Complete updated guide. https://monely.app/blog/en/income-tax-the-complete-guide-to-filing-your-tax-return-correctly/ - **Consumer Rights: How to File Complaints and Get Your Money Back** (2026-07-26) Know your consumer rights. Return policies, warranties, how to dispute charges, and when to take legal action in small claims court. https://monely.app/blog/en/consumer-rights-how-to-file-complaints-and-get-your-money-back/ - **Financial Planning for Pregnancy: From Positive Test to First Year** (2026-07-25) Real costs of pregnancy and baby's first year: prenatal care, nursery, delivery, maternity leave, and daycare. Plan financially without surprises. https://monely.app/blog/en/financial-planning-for-pregnancy-from-positive-test-to-first-year/ - **Summer Vacation with Kids — Complete Financial Planning Guide** (2026-07-24) Complete guide to planning summer vacation with kids without breaking the bank. Budget-friendly destinations, free activities, summer camps, and practical tips. https://monely.app/blog/en/summer-vacation-with-kids-complete-financial-planning-guide/ - **Car Insurance: How to Choose the Best and Save Up to 40%** (2026-07-23) Learn how to pick the right car insurance. Essential coverages, deductibles, tips to lower your premium, and common mistakes to avoid. https://monely.app/blog/en/car-insurance-how-to-choose-the-best-and-save-up-to-40/ - **Festival Season — How to Party Without Breaking the Bank** (2026-07-22) Complete guide to enjoying festivals and parties on a budget. Tips on lodging, transport, costumes, food, and free events to save money. https://monely.app/blog/en/festival-season-how-to-party-without-breaking-the-bank/ - **Finances for Delivery Drivers and Rideshare Workers** (2026-07-21) Financial guide for Uber, Lyft, DoorDash drivers. How to calculate real earnings, save for taxes, and build an emergency fund. https://monely.app/blog/en/finances-for-delivery-drivers-and-rideshare-workers/ - **Debt-Free Christmas — How to Plan the Holiday Season** (2026-07-20) Learn how to plan a debt-free Christmas. Practical tips for gifts, dinner, decorations, and travel while keeping your budget under control. https://monely.app/blog/en/debt-free-christmas-how-to-plan-the-holiday-season/ - **Miles and Points Programs: A Complete Guide to Using Them in Your Favor** (2026-07-19) Learn how to earn and redeem airline miles smartly. Best credit cards, transfer bonuses, and the golden rule of points. https://monely.app/blog/en/miles-and-points-programs-a-complete-guide-to-using-them-in-your/ - **Residential Solar Energy: Is It Worth the Investment? Real Payback Simulation** (2026-07-18) Find out if solar panels are worth it for your home. Cost analysis, monthly savings, payback period, and when NOT to invest. https://monely.app/blog/en/residential-solar-energy-is-it-worth-the-investment-real-payback/ - **Gift Giving — How to Be Generous Without Breaking the Budget** (2026-07-17) Learn how to give thoughtful gifts without overspending: annual planning, per-person budgets, affordable ideas, and strategies to keep your finances on track during holidays. https://monely.app/blog/en/gift-giving-how-to-be-generous-without-breaking-the-budget/ - **Tax Planning: How to Legally Pay Less Taxes in the US** (2026-07-16) Legal strategies to reduce taxes: 401(k) and IRA deductions, overlooked tax breaks, standard vs. itemized deductions, and timing investment sales. https://monely.app/blog/en/tax-planning-how-to-legally-pay-less-taxes-in-the-us/ - **How to Save Money Eating Out (Without Giving Up Going Out)** (2026-07-15) Discover practical strategies to keep dining out without blowing your budget. Tips on frequency, timing, drinks, delivery, and coupons that actually work. https://monely.app/blog/en/how-to-save-money-eating-out-without-giving-up-going-out/ - **High-Income Finance: Common Mistakes of Six-Figure Earners** (2026-07-14) Discover why earning $100k+ doesn't guarantee wealth and how to avoid lifestyle inflation, invisible expenses, and optimize investments to accelerate your path to financial independence. https://monely.app/blog/en/high-income-finance-common-mistakes-of-six-figure-earners/ - **Subscriptions and Streaming: Auditing Your Invisible Expenses** (2026-07-13) Find out how much you really spend on subscriptions and streaming every month. Learn how to audit, classify, and eliminate invisible expenses draining your budget. https://monely.app/blog/en/subscriptions-and-streaming-auditing-your-invisible-expenses/ - **Interest Rates Explained: How They Affect Your Wallet and Investments** (2026-07-12) Understand how central bank interest rates work, how they impact loans, mortgages and investments, and what to do when rates rise or fall. https://monely.app/blog/en/interest-rates-explained-how-they-affect-your-wallet-and/ - **Inflation and Purchasing Power: How to Protect Your Money from Devaluation** (2026-07-11) Understand how inflation erodes your purchasing power and discover practical strategies and investments to protect your money from devaluation. https://monely.app/blog/en/inflation-and-purchasing-power-how-to-protect-your-money-from/ - **Online Shopping - How to Really Save Money** (2026-07-10) Discover how to truly save money on online shopping with price comparison tools, price history trackers, coupon extensions, cashback apps, and timing strategies. Complete guide with tables and real examples. https://monely.app/blog/en/online-shopping-how-to-really-save-money/ - **Investments on Autopilot: Automate and Forget** (2026-07-09) Learn how to automate investments with automatic transfers, recurring stock purchases, and robo-advisors. Invest without thinking every month. https://monely.app/blog/en/investments-on-autopilot-automate-and-forget/ - **How to Save on Health Insurance: A Complete Guide to Paying Less** (2026-07-08) Discover practical strategies to reduce your health insurance costs without sacrificing coverage. Compare plan types, understand copays vs coinsurance, HSAs, and smart alternatives. https://monely.app/blog/en/how-to-save-on-health-insurance-a-complete-guide-to-paying-less/ - **Cryptocurrencies for Beginners: Bitcoin, Ethereum and Safe Investing** (2026-07-07) Complete guide to crypto without hype: how they work, top coins, safe exchanges, portfolio allocation (5% rule), real risks, and US tax reporting. https://monely.app/blog/en/cryptocurrencies-for-beginners-bitcoin-ethereum-and-safe/ - **How to Save on Your Electricity Bill - 15 Practical Tips** (2026-07-06) Discover 15 practical tips to reduce your electricity bill by up to $100 per month. Complete guide with consumption tables, savings estimates, and proven strategies. https://monely.app/blog/en/how-to-save-on-your-electricity-bill-15-practical-tips/ - **How to Save Money on Groceries - Complete Guide** (2026-07-03) Learn proven strategies to save money on groceries: meal planning, store brands, seasonal produce, cashback apps, and bulk buying. Guide with comparison tables and real examples. https://monely.app/blog/en/how-to-save-money-on-groceries-complete-guide/ - **Early 401(k) Withdrawal & Payroll Advances - Are They Worth It?** (2026-07-01) Discover if early withdrawal from your 401(k) or using payroll advance apps is worth it, compare fees and penalties, and understand the real impact on your finances. https://monely.app/blog/en/early-401-k-withdrawal-payroll-advances-are-they-worth-it/ - **Overdraft Protection: The Most Expensive Banking Trap in America** (2026-06-29) Discover why overdraft fees can cost you hundreds of dollars per year and how to escape this predatory banking practice that profits $15 billion annually from consumers. https://monely.app/blog/en/overdraft-protection-the-most-expensive-banking-trap-in-america/ - **Debt Refinancing: How and When to Use It to Save Money** (2026-06-26) Complete guide on debt refinancing: understand when it's worth it, how to calculate real savings, step-by-step guide to balance transfers and debt consolidation, and mistakes to avoid. https://monely.app/blog/en/debt-refinancing-how-and-when-to-use-it-to-save-money/ - **Car Financing - The Complete Guide** (2026-06-24) Discover how car financing works, compare auto loans, leases, and buying options, learn to negotiate rates, and make the best financial decision when buying your car. https://monely.app/blog/en/car-financing-the-complete-guide/ - **Credit Cards with Annual Fees - When It's Worth Paying** (2026-06-22) Discover when paying a credit card annual fee is worth it and how to calculate if the benefits justify the investment. Complete guide with comparison tables. https://monely.app/blog/en/credit-cards-with-annual-fees-when-its-worth-paying/ - **Brazilian Consortium Buying: Is It Worth It in 2026? Complete Analysis** (2026-06-19) Understand how Brazilian consortium buying groups work and discover when they're advantageous vs traditional financing. Compare with American alternatives like layaway and credit unions. https://monely.app/blog/en/brazilian-consortium-buying-is-it-worth-it-in-2026-complete/ - **Personal Loans: When to Get One, When to Avoid** (2026-06-17) Complete guide on personal loans: types, interest rates, APR, when it makes sense to borrow and when it's better to avoid. Learn to make smart financial decisions. https://monely.app/blog/en/personal-loans-when-to-get-one-when-to-avoid/ - **Financial Grief: Reorganizing Finances After Losing Someone** (2026-06-15) Practical and empathetic guide on how to reorganize family finances after losing a loved one, including documents, probate, insurance, and benefits. https://monely.app/blog/en/financial-grief-reorganizing-finances-after-losing-someone/ - **Entrepreneurship: Finances for Those Who Want to Start a Business** (2026-06-12) Discover how much capital you need, how to separate your personal finances from your business, and how long it takes to profit. Complete guide for first-time entrepreneurs. https://monely.app/blog/en/entrepreneurship-finances-for-those-who-want-to-start-a-business/ - **Monely vs Money Manager: Which Finance App to Choose?** (2026-06-11) Monely and Money Manager (Realbyte) compared, with a source and date for every figure. Features, pricing, languages, and one-click migration via direct import. https://monely.app/blog/en/monely-vs-money-manager-which-finance-app-to-choose/ - **Career Change: Financial Planning for Switching Fields** (2026-06-10) Complete financial guide for anyone wanting to change careers. Reskilling costs, transition period, how much to save, and how to prepare for earning less initially. https://monely.app/blog/en/career-change-financial-planning-for-switching-fields/ - **Voluntary Resignation: When Is It Worth Quitting Your Job** (2026-06-08) Complete financial guide for anyone thinking about quitting their job. Learn what you lose, how much savings to have, when it makes sense to leave, and how to prepare financially. https://monely.app/blog/en/voluntary-resignation-when-is-it-worth-quitting-your-job/ - **Inheritance: What to Do When You Receive (or Leave) One** (2026-06-05) Practical guide to inheritances: what to do when you receive money or assets, taxes involved, probate costs, how not to waste it, and how to plan to leave an inheritance. https://monely.app/blog/en/inheritance-what-to-do-when-you-receive-or-leave-one/ - **How to Financially Plan a Move to a New City** (2026-06-03) Complete financial planning guide for moving to a new city. Discover all the costs involved, how much to save, how to compare cost of living, and the financial checklist before moving. https://monely.app/blog/en/how-to-financially-plan-a-move-to-a-new-city/ - **Monely vs YNAB: Which Budgeting App to Choose?** (2026-06-02) Monely and YNAB (You Need A Budget) compared, with a source and date for every figure. Features, pricing, languages, currencies, and when each app fits. https://monely.app/blog/en/monely-vs-ynab-which-budgeting-app-to-choose/ - **Divorce: The Complete Financial Guide to Starting Over** (2026-06-01) Practical and empathetic guide to reorganizing your financial life after divorce. Learn about asset division, alimony, budget restructuring, and how to rebuild your wealth. https://monely.app/blog/en/divorce-the-complete-financial-guide-to-starting-over/ - **Wedding: How Much It Costs and How to Plan Without Going Into Debt** (2026-05-29) Complete financial planning guide for weddings. Discover average costs, how to save on every item, split expenses, and start married life debt-free. https://monely.app/blog/en/wedding-how-much-it-costs-and-how-to-plan-without-going-into-debt/ - **Finances for Women: Unique Challenges and Strategies for Financial Independence** (2026-05-27) Complete financial guide for women. Understand the impact of the wage gap, maternity on careers, and discover why women are better investors. Strategies for every stage of life. https://monely.app/blog/en/finances-for-women-unique-challenges-and-strategies-for/ - **Finances in Retirement: How to Live Well on a Fixed Income** (2026-05-25) Complete guide to managing your finances in retirement. Learn how to make your money last, protect against inflation, avoid scams, and maintain quality of life. https://monely.app/blog/en/finances-in-retirement-how-to-live-well-on-a-fixed-income/ - **Finances in Your 50s: The Final Stretch to Retirement** (2026-05-22) Complete finance guide for those in their 50s. Learn catch-up strategies, risk reduction, retirement income planning, and the final adjustments before you stop working. https://monely.app/blog/en/finances-in-your-50s-the-final-stretch-to-retirement/ - **Finances in Your 40s: Halfway to Financial Independence** (2026-05-20) Complete finance guide for those in their 40s. Learn to accelerate investments, plan for retirement, handle teenage children's costs, and make mature financial decisions. https://monely.app/blog/en/finances-in-your-40s-halfway-to-financial-independence/ - **Finances in Your 30s: How to Consolidate Your Financial Life** (2026-05-18) Complete finance guide for those in their 30s. Learn to balance career, family, real estate, and investments in this decisive decade. https://monely.app/blog/en/finances-in-your-30s-how-to-consolidate-your-financial-life/ - **Finances in Your 20s: The Complete Guide to the Most Decisive Decade** (2026-05-15) Discover how to organize your finances in your 20s. Learn to avoid common mistakes, invest early, and build habits that will define your financial future. https://monely.app/blog/en/finances-in-your-20s-the-complete-guide-to-the-most-decisive/ - **How to Save on School Supplies (Back to School)** (2026-05-13) Practical guide to save on back-to-school shopping. Buying strategies, reusing items, and planning to spend less without compromising quality. https://monely.app/blog/en/save-on-school-supplies/ - **Black Friday: How to Take Advantage Without Getting Into Debt** (2026-05-11) Complete guide to shopping smart on Black Friday. Learn how to identify real deals, avoid traps, and not end up in debt. https://monely.app/blog/en/black-friday-how-to-take-advantage/ - **Life Insurance and Other Insurance: What's Actually Worth It** (2026-05-08) A practical guide to personal insurance. Discover which ones you actually need, how to choose, and which ones are unnecessary. Life, home, auto insurance and more. https://monely.app/blog/en/life-insurance-and-other-insurance/ - **How to Recover From a Financial Scam** (2026-05-06) Fell victim to a scam? Learn what to do in the first hours, how to try to recover your money, and how to protect yourself from future scams. A practical and empathetic guide. https://monely.app/blog/en/recover-from-financial-scam/ - **Finances for the Unemployed: Surviving the Crisis** (2026-05-04) A practical guide for those who have lost their job. Learn how to reorganize your finances, prioritize expenses, use severance benefits, and get back into the job market. https://monely.app/blog/en/finances-for-the-unemployed/ - **Finances and Relationships: When Money Becomes a Source of Arguments** (2026-05-01) Discover how to resolve financial conflicts in relationships. A guide for couples who fight about money, with strategies to rebuild trust. https://monely.app/blog/en/finances-relationship-arguments/ - **How to Teach Financial Literacy to Children (By Age)** (2026-04-29) Practical guide to teaching financial education to children of all ages. Concepts, activities, and tips for each developmental stage. https://monely.app/blog/en/financial-literacy-for-children/ - **Financial Minimalism: Living Better with Less** (2026-04-27) Discover how financial minimalism can simplify your life. Learn to reduce expenses, eliminate excess, and find more satisfaction with less. https://monely.app/blog/en/financial-minimalism/ - **How to Resist Social Pressure to Spend** (2026-04-24) Learn how to deal with pressure from friends, family, and social media to spend more than you should. Practical strategies to maintain your priorities. https://monely.app/blog/en/social-pressure-to-spend/ - **How to Turn a Hobby Into Extra Income** (2026-04-22) Learn how to monetize your hobby without losing the joy. A practical guide to identifying potential, setting prices, and landing your first clients. https://monely.app/blog/en/turn-hobby-into-extra-income/ - **Complete Guide to Employment Funds: Withdrawal, Returns, and Smart Use** (2026-04-20) Understand everything about employment savings funds: how they work, when to withdraw, returns, and how to use them wisely. Updated guide for workers. https://monely.app/blog/en/complete-guide-employment-funds/ - **10 Ways to Make Extra Income in 2026** (2026-04-17) Discover 10 practical ways to make extra income in 2026. Options for all profiles, skills, and time availability. https://monely.app/blog/en/extra-income-2026/ - **How to Cut $500 From Your Budget Without Suffering** (2026-04-15) Learn how to save $500 a month with smart cuts. A practical guide with concrete actions to reduce expenses without sacrificing quality of life. https://monely.app/blog/en/how-to-cut-500-from-your-budget/ - **Pay in Full or in Installments: How to Decide Without Making Mistakes** (2026-04-13) Discover when it's worth paying in full or in installments. A practical guide with clear rules to make the right decision and not compromise your budget. https://monely.app/blog/en/pay-in-full-or-in-installments/ - **Is It Worth Owning a Car? Your Own Car vs Ride-Hailing Apps** (2026-04-10) Find out if it's worth owning a car or using Uber and Lyft. A complete analysis with all real costs and simulations for different profiles. https://monely.app/blog/en/is-it-worth-owning-a-car/ - **Rent or Buy a Home: How to Decide What's Best For You** (2026-04-08) Rent or buy a home? Complete analysis with real math, hidden costs, and simulations to help you make the best financial decision. https://monely.app/blog/en/rent-or-buy-a-home/ - **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) GuiaBolso shut down in November 2022 and was absorbed by PicPay. What Monely does instead, and which apps still offer bank sync. Verified 11 Aug 2026. 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 or Mobills: Bank Connection, File Import and Price Compared** (2026-02-26) Monely and Mobills compared on bank connection, file import, platforms and price, with the source and verification date for every number, checked 11 Aug 2026. 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 - You invite friends with your own code or link - Each friend who creates an account raises your free-record bonus: 1 friend takes it from 100 to 200 records, and 5 friends take it to 500 - The bonus applies before you pick a plan and includes recording through WhatsApp - No limit on referrals. Referring also earns ranking points and medals - More information: https://monely.app/en/referral.html --- ## FAQ ### "Is Monely safe?" Your data travels over HTTPS/TLS and is encrypted at rest in the storage infrastructure. Authentication is handled by Firebase, with Firebase App Check and JWT tokens that expire in 30 minutes. Personal data is handled under the LGPD and the GDPR. We do not sell your data and do not use it for advertising. ### "How much does it cost?" - FREE Plan: R$ 0 (free forever, with unlimited records; some features need a paid plan) - ESSENTIAL Plan: R$ 9.90/month - 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. Five apps have a direct importer: Wallet (BudgetBakers) in CSV, XLS or XLSX; Minhas Finanças in up to three CSV files; Money Manager (Realbyte) in XLS or XLSX; Bluecoins in CSV; Splital in CSV. Bank statements come in as OFX or QFX and spreadsheets as CSV, TSV, XLS or XLSX. PDF is not accepted. An app import archives your current accounts and records and rebuilds them from the file, and Revert Import restores exactly what was archived; a statement or spreadsheet import only adds records to the account you choose. ### "Does it work offline?" No. Monely needs a connection both to record and to look things up. In exchange, your data always lives on the server, so the same account works on any device and through WhatsApp. ### "How many devices can I use?" As many as you want, on any plan: just sign in with the same account and the data is the same. Access through your computer browser comes with the PRO and Family plans, and with the free plan while the welcome bonus lasts. ### "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) processes it in 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 - What Monely does, feature by feature: https://monely.app/en/features.html - 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: September 13, 2026 | Document version: 3.0