Monetra: Spend Smarter

Lowkey AI

In-app purchases

About this app

Monetra is a budget and expense tracker that keeps your money on your phone.

No sign-up. No ads. No data collection. Open the app and start tracking in seconds — everything is stored on your device, not on our servers.

FREE, FOREVER — FOR EVERYDAY TRACKING
Monetra is fully functional for personal, single-account use at no cost. Not a limited trial, not a crippled demo:

• Unlimited expenses — log as much as you want, for as long as you want
• Monthly budget with live remaining balance and pacing
• Per-category spending caps
• 12 built-in categories, plus your own custom ones
• Analytics — trends, category breakdowns and month-over-month comparisons
• Import bank statements (PDF, CSV or text) read entirely on your device
• Home screen widget with one-tap quick-add buttons
• Add expenses by voice
• Monthly recurring bill reminders
• Daily logging reminders
• Multi-currency with live exchange rates
• Export everything to CSV, any time
• Biometric app lock (Face/Fingerprint)
• Light, dark and system themes, with accent colours you choose

MEET SAGE — YOUR AI SPENDING COACH
Sage reads your spending and tells you what actually matters: which category is about to blow its cap, whether you're pacing to finish the month over budget, and where the small repeat purchases are adding up. Ask Sage for concrete ideas to spend less, and it answers based on your real numbers.

Sage can also read a bank statement for you and categorise it automatically — 2 free AI reads every month. On-device statement import stays unlimited and free.

PRIVATE BY DESIGN
Your transactions, budgets and categories are stored only on this device. There is no account to create and no server holding your data.

When you use an AI feature, only redacted merchant text or totals are sent for processing — never your balances, account numbers or your raw statement.

Cloud backup and Family accounts are optional. Turning either on creates a free Monetra account and syncs an encrypted copy — never shared with other users, never sold. You can switch sync off or delete your account and its data from Settings at any time.

MONETRA PREMIUM
Premium adds the features that go beyond one person on one device:

• Multiple accounts and cards, each with its own balance and caps
• Family accounts — one shared household budget, synced live between members
• Encrypted cloud backup and restore across devices
• Unlimited AI statement reading
• Unlimited access to Sage, your AI spending coach
• AMOLED dark mode and premium app icons
• Every future update included

Try Premium free for 7 days. No charge if you cancel before it ends.

Choose what fits: monthly, annual, or pay once for lifetime access. Subscriptions renew automatically until cancelled in your Google Play settings; a lifetime purchase is a single payment with nothing recurring.

LANGUAGES
English, Spanish and French.

WHO IT'S FOR
People who want to know where their money goes without handing their bank login to an app. Monetra never connects to your bank. You stay in control of what gets tracked and what leaves your phone.

Questions or feedback? Reach us from Settings → Help & Support.

What’s new

• Support Arabic Language.
• Contracts & cheques: split a big bill into equal cheques, see the full schedule before saving, and get reminded before each one is due.

• Bills paid up front can now spread across the months they cover, so your month-end forecast stops counting one rent cheque as daily spending.

• Bug fixes and performance improvements