Monely is the personal and couple finance app with artificial intelligence on WhatsApp. Track your day-to-day spending, manage your money, and stay on budget without the hassle. Log expenses by text, voice, or photo, without even opening the app. Zero ads on every plan.
A complete money manager to take control of your finances, on your own or as a couple: income, expenses, accounts, credit cards, investments and loans in one place. Monely combines simplicity and artificial intelligence to turn expense tracking into a habit that is easy to keep.
💬 FINANCIAL ASSISTANT ON WHATSAPP
Log spending by sending a text, a voice note, or a photo of a receipt over WhatsApp. The AI understands it, categorizes it automatically, and confirms the entry. Check balances, monthly summaries, upcoming payments, and available budget right inside the chat.
📸 SMART RECEIPT OCR
Snap a photo of any receipt or invoice. Monely pulls the amount, date, and description and suggests the category automatically. Works in the app or through WhatsApp.
🎙️ VOICE LOGGING
Say "I spent 80 dollars at the grocery store" in the Monely home screen widget, or in a WhatsApp voice note, and everything gets filled in.
💳 CARDS AND CREDIT LIMIT
Keep tabs on statements, installments, closing dates, and due dates with automatic reminders. See on your home screen how much of your card limit you have used, how much is left, and whether you have gone over.
🏦 ALL OF YOUR ACCOUNTS
Manage checking accounts, cards, cash, investments, and loans. Set your overdraft limit and follow how much you have used. Track who owes whom, with optional interest and installments, and see your net worth in one consolidated view.
👥 PERSONAL AND COUPLE FINANCES
Keep your personal finances separate from your shared ones. Split expenses with income-based proportional math or an equal split, record settlements between members, and follow each person's balance. Up to 4 people per group, perfect for couples and families.
📊 PLANNING AND BUDGET
Set budget goals and allocation targets across personal spending, shared spending, and investments. Track your progress over 3, 6, or 12 months and see needs versus wants.
🧠 AI INSIGHTS
Get analysis of your spending habits, period-over-period comparisons, expense forecasts, and personalized alerts for your financial planning.
📅 PLANNED PAYMENTS AND TRANSFERS
Schedule recurring payments and transfers (daily, weekly, monthly, or yearly), including to or from accounts outside Monely. Get reminders and confirm or skip with a single tap.
🏷️ CATEGORIES, SUBCATEGORIES, AND TAGS
Organize every transaction with categories, subcategories, and color-coded tags. Filter, search, and analyze your spending with the level of detail you need.
🎨 A HOME SCREEN YOUR WAY
Turn the home screen sections on or off and keep only what matters for your money in view.
🏆 GAMIFICATION AND MEDALS
Usage and consistency challenges, a leaderboard, and a collection of medals to earn. Every entry adds points and keeps your streak going. Join the leaderboard only if you want to.
💱 155 CURRENCIES AND 8 LANGUAGES
Support for 155 currencies plus Bitcoin, with exchange rates updated automatically. Available in Portuguese, English, Spanish, French, German, Indonesian, Turkish, and Hindi.
🔒 SECURITY AND PRIVACY
Sign in with Google, Apple, or email, with biometrics. Hide amounts on screen with a single tap. Zero ads, and we do not sell your data.
📥 DATA IMPORT
Migrate from another finance app, a spreadsheet (CSV, TSV, XLS, XLSX), or a bank statement (OFX, QFX), without losing your history.
🆓 FREE PLAN, NO ADS
Free starts with a bonus of 100 entries, up to 500 as you refer friends, AI on WhatsApp included; after the bonus, 50 transactions a month. Accounts, custom categories, cloud backup, and sync are in every plan. PRO and Family unlock the advanced features and AI on WhatsApp.
Start organizing your personal finances today and keep simple money tracking going on WhatsApp, with AI.