Monvion

Monvion

About this app

Most finance apps tell you what you spent.
Monvion tells you what you can spend — right now, without regret.

Meet your Personal CFO.

THE ONE NUMBER THAT CHANGES EVERYTHING

Safe to Spend is Monvion's core metric. It's not your bank balance and it's not a budget category. It's the real number — calculated from your cash, expected income, upcoming bills and a safety buffer — so you always know where you stand.

Spend confidently. Save with a plan. Never get caught off guard again.

EVERYTHING IN ONE PLACE

- Safe to Spend Dashboard — your financial reality in one number, daily, weekly or monthly.
- Bills & Income — every recurring payment and income source is built into your Safe to Spend automatically.
- Financial Calendar — see when rent hits, when your salary lands and what's left in between.
- Scenario Simulator — see how a big purchase affects your Safe to Spend before you commit.
- AI Financial Advisor — ask your money anything and get answers based on your own numbers.
- Net Worth Tracker — track what you own vs. what you owe and watch your wealth grow.
- Savings Goals — set targets and connect them directly to your cash flow.
- Accounts Overview — balances and transaction history in one place.
- Audit Log — full transparency into every change and calculation.

BUILT DIFFERENT

Monvion isn't another expense tracker. It's built to answer the one question you ask yourself every day:

"Can I afford this?"

→ Real-time calculations, not static snapshots
→ Proactive alerts, not passive reports
→ Your data is private to your account — we never sell it or use it for ads
→ No bank login needed — you stay in control of what you enter
→ Dark & light mode, clean design built for daily use
→ Available in English, Swedish, Finnish and more

FREE & PRO

Monvion is free to get started: up to 3 accounts, 5 bills and 3 AI questions per day.

Monvion Pro — €4.99/month or €49.99/year — unlocks unlimited accounts and bills, up to 100 AI questions per day and advanced insights.

You don't need more money.
You need to finally see where it's going.

Download Monvion.

What’s new

- Improved security and reliability
- Faster and more stable AI Advisor
- Bug fixes and performance improvements