Monely: Money Manager

Monely

In-app purchases

About this app

Monely is the personal finance app for individuals, couples and families, with artificial intelligence on WhatsApp. Track your day-to-day spending, manage your money and stay on budget. Log expenses by text, voice or photo, without even opening the app. No ads on any plan.

A money manager and expense tracker to take control of your finances, on your own or in a group: income, expenses, accounts, credit cards, loans and investments in one place.

💬 LOG EXPENSES ON WHATSAPP WITH MONI
Send "spent $45 on groceries" to Moni, the Monely assistant on WhatsApp, and it's logged. Moni understands text, voice notes and receipt photos, puts each entry in the right account and category, and replies in 8 languages. On WhatsApp or in the app, ask Moni how much you spent on groceries this month.

📸 RECEIPT SCANNER
Snap a photo of a receipt and Monely reads the amount, date and description, then suggests the category, in the app or on WhatsApp. You can edit anything if needed.

📝 ENTRY SCREEN
Expense, income or transfer on one screen, with Monely's own keypad and the save key right among the numbers. Templates fill in your usual entries in one tap.

🎤 VOICE WIDGET
Tap the Monely widget on your Android home screen, say "spent 80 dollars at the grocery store" and the entry is filled in.

👥 GROUPS: COUPLES, FAMILIES AND ROOMMATES
Keep your personal finances separate from shared ones, in groups of up to 4 people: only what you mark as shared shows up in the group, and everything else stays visible to you alone. Split equally or in proportion to each person's income, and Monely closes the month showing who owes whom.

💳 CREDIT CARDS AND INSTALLMENTS
Current and closed statements, available credit and a due date reminder. Enter an installment purchase once and each payment lands on the right statement, even a purchase you are already paying off. Track your overdraft limit too.

🏦 LOANS
A car loan, a mortgage or money a friend owes you: what you borrowed and what you lent, with interest, installments and how much is left.

🎯 INCOME AND INVESTMENT GOALS
Set the share of each month's income that goes to investing, to shared expenses and to personal spending, split into Necessary and Desirable. Create investment goals with a target amount and a progress bar: your emergency fund, a trip, a down payment on a home.

📊 ANALYTICS AND INSIGHT OF THE DAY
Charts by category and subcategory, money in and out, largest expenses, net worth and month-over-month comparisons in the Analytics tab. In the Insight of the day, AI reads your spending and shows where your money went, the days when you spend the most and how the month compares with previous months.

📅 SCHEDULED PAYMENTS
Rent, subscriptions, paychecks: set them up once to repeat daily, weekly, monthly or yearly, then choose a reminder to confirm or an automatic entry.

📂 CATEGORIES AND LABELS
Unlimited custom categories and subcategories, plus labels that cut across categories, like a trip or a home renovation.

📥 DATA IMPORT
Direct import from Wallet, Minhas Finanças, Money Manager, Bluecoins and Splital, plus OFX and QFX bank statements and CSV, TSV, XLS and XLSX spreadsheets, without losing your history.

💱 155 CURRENCIES AND 8 LANGUAGES
155 currencies plus Bitcoin, with exchange rates updated automatically. Available in English, Portuguese, Spanish, French, German, Turkish, Hindi and Indonesian.

💻 PHONE AND BROWSER
Android, iPhone and the browser at web.monely.app, with backup and sync. Light or dark theme, and a home screen with only the sections you choose.

🏆 MEDALS AND STREAKS
Keep your daily streak going, earn medals and compete on the leaderboard, or opt out anytime.

🔒 SECURITY AND PRIVACY
Lock the app with biometrics, PIN or passcode and hide amounts with one tap. We do not sell your data.

Organize your personal finances and track your money in the app or on WhatsApp, with AI.

What’s new

💰 Redeem by the net amount
When you redeem fixed income with Redeem part, enter the amount that reached your account, after taxes and fees, and Monely works out the gross.

📤 Redemption received outside Monely
With Don't create the destination transfer, the redeemed money doesn't enter any account in the app and the return doesn't become income.

✏️ Correct redemption
The correction also offers the net amount and the option without a destination transfer.