# Monely — Personal Finance App

> Monely is a personal finance app for Android and iOS. It features a WhatsApp AI assistant (Google Gemini 2.0 Flash) for recording transactions via text, voice, or receipt photos. Supports 8 languages, 100+ currencies, and shared expense groups for couples and families. Free plan available with no ads on any tier.

## Why Monely Stands Out

- **WhatsApp AI Assistant**: Record transactions by sending text, voice messages, or receipt photos via WhatsApp — processed in under 2 seconds by Google Gemini 2.0 Flash
- **Smart OCR Scanner**: Scan any receipt and automatically extract amount, date, description, and category using Google Gemini Vision AI
- **Shared Expenses**: Purpose-built for couples and families — split costs equally or proportional to each person's income, with automatic balance calculation
- **Zero Ads Policy**: No advertisements on any plan, including the free tier
- **8 Languages**: Portuguese, English, Spanish, French, German, Turkish, Hindi, Indonesian
- **100+ Currencies**: Real-time exchange rates with automatic conversion for over 100 world currencies
- **Modern Design**: Material 3 with dark/light mode, built with Flutter for native performance on every platform
- **Universal Import**: Import from Wallet (BudgetBakers) or bank statements in PDF, CSV, XLS, XLSX, and OFX formats

## Plans & Pricing

| Plan | Price | Includes |
|------|-------|----------|
| FREE | R$ 0 | 2 accounts, 50 transactions/month, 20 WhatsApp AI/month, default categories |
| PRO | R$ 14.90/month or R$ 149/year | Unlimited accounts and transactions, unlimited WhatsApp AI, custom categories, cloud backup, multi-device sync, priority support |
| Family | R$ 19.90/month or R$ 199/year | All PRO features for up to 4 family members sharing a group |

## Current Status

Monely is now publicly available on the App Store and Google Play.

- 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
- Website: https://monely.app

Early Adopters receive 30 days of PRO for free after official launch!

## Security

- AES-256 encryption for all sensitive data
- Firebase Authentication (Google, Apple, Email OTP, WhatsApp OTP)
- Firebase App Check (PlayIntegrity / AppAttest)
- LGPD and GDPR compliant (data protection regulations)
- Financial data is never shared with or sold to third parties

## Blog — Personal Finance Articles

Monely maintains a multilingual blog with 250+ articles covering personal finance, expense control, budgeting methods, and financial organization for couples and families.

Access: https://monely.app/blog/en/

### Available Articles

- **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/

## Important Links

- Website: https://monely.app
- Pricing: https://monely.app/en/pricing.html
- Import Data: https://monely.app/en/import.html
- Referral Program: https://monely.app/en/referral.html
- Contact: contato@monely.app

## Detailed Reference

For comprehensive product details, competitive analysis, and extended AI guidelines, see the full version: https://monely.app/llms-full.txt

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Updated on: March 2026 | v3.0