We’ve all been there; One day you have money, the next day it’s gone. Poor planning, impulse purchases, or uncontrolled access to your bank account are usually responsible for these types of situations and Planmoni is here to change that.

Planmoni App provides structure and controlled access to your money, helping you make smarter financial decisions, gain deep insights into your spending habits, and stretch your funds to last exactly how long you need them to — without falling into the trap of unnecessary or impulsive spending.

Real-Life Use Cases
Planmoni is designed to solve everyday money challenges. Whether you’re a salary earner, freelancer, entrepreneur, student — you’ll find it useful.

The Salary Earner
You get paid monthly, but it rarely lasts the whole month. Planmoni lets you break your salary into smaller weekly or biweekly payouts so you can pace your spending and stay afloat till the next payday.

The Small Business Owner
Client payments come at irregular intervals, but your expenses (salaries, rent, suppliers) are fixed. Planmoni helps you allocate funds and release them only when needed — keeping your operations smooth and your budget under control.

The Freelancer / Entrepreneur
Your income fluctuates. Some months are great, others dry. Planmoni helps you stretch those good months with scheduled, gradual payouts to create financial consistency.

The Student Budgeter
You just received your allowance or semester funds. Planmoni helps you avoid spending it all in the first week by spreading it out over time — so you always have something left.

The Impulse Spender
If you spend just because you can, Planmoni introduces friction to your spending habits. Locked funds and scheduled access mean your money is safe — from you.

And so much more.

Core Features

Payout Scheduler
Plan your payouts however you like: Daily, Weekly, Biweekly, Monthly, Custom Dates, End of Month, Bi-Annually, Annually, or even specific days of the week.

Planmoni AI
Our AI assistant helps you build payout plans, analyze your spending, and provide tailored money advice — all with just one prompt.

Payout Calendar
A detailed calendar view shows exactly when your payouts are scheduled, so you're always in control.

Real-Time Insights
Track deposits, withdrawals, active plans, spending behavior, upcoming payouts, and more — all in real time.

Emergency Access
Need money urgently? Withdraw with a 72-hour cooldown — a safety net that also keeps you disciplined.

Automated Payouts
Set it and forget it. Get your payouts automatically, without lifting a finger.

Multi-Account Withdrawals
Add multiple bank accounts to receive payouts wherever you need them.

No Direct Spending
Funds are locked until scheduled. This prevents impulse spending and helps you meet your goals.

Full Control
Edit, pause, or cancel plans anytime. It’s your money, your rules.

Security Comes First

Bank-Level Encryption
Your data is protected with 256-bit SSL encryption.

2FA Security
All logins and transactions require Two-Factor Authentication for added safety.

Certified Secure Fund Storage
Your money is held securely in regulated financial institutions.

Smart Login Notifications
Get notified instantly about any login attempts. Take action if something looks off.

Getting Started is Easy

Download the Planmoni App
Create your account (in under 2 minutes)
Make a deposit and plan your first payout

Have questions?
Visit: planmoni.com
Email: support@planmoni.com

Disclaimer: Planmoni is a financial technology platform, not a bank. All funds are securely held by licensed financial partners.