Monely - Personal Finance

AprendendoAI

In-app purchases

About this app

Monely is the personal and couple finance app with AI via WhatsApp.
Track expenses by text, voice, or photo without opening the app. Zero ads on every plan.

Take real control of your personal finances with a money manager built for everyday life. Track income, expenses, bank accounts, credit cards, and investments in one place. Monely combines simplicity with artificial intelligence to make expense tracking a habit you'll actually keep.

💬 AI FINANCIAL ASSISTANT VIA WHATSAPP
Log expenses by sending a text, voice message, or receipt photo on WhatsApp. Monely's AI understands, auto-categorizes, and confirms the entry. Check balances, monthly summaries, upcoming payments, and available budget — all on WhatsApp!

📸 SMART RECEIPT SCANNER
Snap a photo of any receipt. Monely extracts the amount, date, description, and suggests the category automatically. Works in-app or via WhatsApp.

🎙️ VOICE LOGGING
Say "Spent 20 dollars at the grocery store" and the app fills everything in automatically. Quick expense tracking with zero typing.

👥 FINANCES FOR COUPLES & FAMILIES
Split shared expenses with income-based proportional calculation or equal split per member. See who paid what, review the monthly settlement in detail, and keep your personal finances separate from shared ones. Up to 4 members per group. Perfect for couples, families, or roommates.

📊 INCOME PLANNING & BUDGETING
Set allocation goals for investments, shared expenses, and personal spending. Track your progress with charts over 3, 6, or 12 months. See needs vs wants and make financial decisions with clarity.

🧠 AI-POWERED FINANCIAL INSIGHTS
Get AI-generated analysis of your spending habits. Comparative insights across periods, future expense forecasts, and personalized alerts to help with financial planning.

💳 FULL ACCOUNT MANAGEMENT
Manage checking accounts, credit cards, cash, investments, and loans. Track credit card statements, installments, due dates, and closing dates with automatic notifications. See your total net worth across all accounts.

📅 RECURRING PAYMENTS
Schedule daily, weekly, monthly, or yearly payments. Get reminders before due dates. Confirm or skip payments with one tap.

🏷️ CATEGORIES, SUBCATEGORIES & LABELS
Organize every transaction with custom categories, subcategories, and color-coded labels. Filter, search, and analyze your spending in detail.

🏆 GAMIFICATION
Challenges, streaks, user rankings, and badges to collect. Every transaction logged keeps your streak going and earns points. Managing your money has never been this motivating!

💱 100+ CURRENCIES & 8 LANGUAGES
Expense tracking with support for 100+ currencies and daily exchange rate updates. Available in English, Portuguese, Spanish, French, German, Indonesian, Turkish, and Hindi.

🔒 SECURITY & PRIVACY
Secure login with Google, Apple, or email. Biometric authentication to protect your data. Hide amounts on screen with one tap. Zero ads! We never sell your data.

📥 DATA IMPORT
Import from Wallet or documents in PDF, CSV, XLS, XLSX, and OFX. Switch from another finance app without losing your history.

🆓 FREE PLAN WITH NO ADS
Start free with 2 accounts, 50 transactions per month, and 20 WhatsApp AI messages. No ads, no time limit.
Upgrade to PRO for unlimited transactions, custom categories, and full AI features.

Monely — the personal and couple finance manager with AI via WhatsApp.
Download now and take real control of your money.

What’s new

✨ Plan with 50/30/20
Split personal expenses into needs and wants in Scheduled. Drag the slider, see upcoming payments per bucket and save the split per month.

🌐 Multi-currency totals
Planned expenses and investments now add up correctly across accounts in different currencies, converted to your main currency.

🛠️ Polish
The split-type screen on shared groups now scrolls properly with the keyboard open, and the divider slider is slightly slimmer.