Type “coffee 15” and it’s done. No forms. No menus. No setup.

Monavo is the expense tracker built around one idea: logging a purchase should take less time than making it. You write what you bought in plain language — “lunch 12”, “uber to airport 34”, “groceries 87” — and Monavo figures out the amount, the category, and the context. Tap once. It’s tracked.

The quick-add moment

Most expense apps ask you to open a form, pick a category from a list, type an amount, write a note, and save. By the time you’re done, you’ve forgotten why you opened the app. Monavo replaces all of that with one line of text. Write it the way you already think about it. The AI reads it, categorizes it, and logs it. If it gets the category wrong, correct it once — Monavo learns your patterns and stops guessing wrong.

Everything you need, nothing you don’t

— AI quick-add that reads plain language and learns from your corrections
— Budgets by category with gentle alerts as you approach the limit
— Daily insights that explain what’s actually driving your spending
— Savings goals you can track toward, without spreadsheets
— Recurring payments so subscriptions and bills stop slipping through
— Multi-currency with live exchange rates, useful when you travel or get paid in a different currency
— Sync across your devices when you want it, and never when you don’t
— CSV import and export so your data is always yours to move
— PIN and biometric lock for on-device protection
— Six languages: English, Spanish, French, German, Portuguese, Romanian

Built for people who stopped using their last expense app

Most trackers fail for one of three reasons: they demand your bank login, they make logging a four-tap chore, or they bury the thing you actually want to know under charts you don’t need. Monavo does none of those. There’s no bank connection to set up, logging takes one line, and the home screen tells you what you’re spending today, this week, and this month without you having to ask.

Private by default

Your spending data says a lot about you — where you eat, where you travel, what you’re saving for, what you spend too much on. Monavo treats that data like it’s yours. There’s no bank linking, no credential sharing, no Plaid, no Open Banking. Your data lives on your phone by default. If you want it synced across devices, cloud sync is opt-in and encrypted. We never sell your data, and there are no ads anywhere in the app.

Free, Pro, or one-time

Start free — unlimited manual entry, full budget and insight features, and 100 AI quick-adds per month. Pro removes the AI cap and unlocks cloud sync across devices plus CSV export, available as a monthly or yearly subscription, or as a one-time lifetime purchase.

The lifetime option is there because not everyone wants another subscription.

A tracker that gets out of your way

Open Monavo. Log what you spent. Close it. That’s the whole loop. No achievements to unlock, no aspirational charts, no guilt notifications about coffee.

The right expense tracker is the one you actually keep using — and you only keep using the one that doesn’t slow you down.

Start free. Type your first expense. You’ll see the difference in five seconds.