Manage your money intelligently
Skip messy spreadsheets: organize recurring items, track your balance on the calendar, and see the impact of your choices more clearly.
How it works
Three steps — the same logic as the app.
1. Add what repeats
Fixed income and expenses, installments, and accounts — once.
2. Update day to day
In seconds, log what changed in your balance.
3. See the month clearly
Calendar, projection, and insights to decide with more confidence.
What Moni does for you
- Enter fixed income and expenses once, then come back on other days only for day-to-day spending.
- The Moni Method projects from your checking-style balance so you can simulate how much to move to savings.
- Calendar with projected balance: use multiple accounts and switch between all accounts and a selected account.
- Insights and the thermometer highlight “green” days (healthier balance) and warning days (tighter balance) in the month.
- Your financial data is not shared with third parties.
- You can start without an account — data stays on the device — and connect Google or Apple later.
- Encrypted on-device backup so you can restore when you need to.
Automatic projections and information in the app do not constitute investment advice or recommendations.
A clearer view of the month ahead: Moni combines what you’ve already committed to (fixed costs, installments, habits) with your projected balance so you can decide more calmly.
At purchase time
Current balance and projection after a purchase, including fixed costs, day-to-day spending, and future installments.
Straightforward cues on whether you can spend now — from small extras to bigger plans.
Month close
Income and outflows for the period, with a quick read of surplus or deficit.
Savings goals as a percentage or fixed amount to build a cushion over time.
Who it’s for
- People who feel disorganized
- People who already love spreadsheets
- Employees, freelancers, students
- Anyone paying down debt or avoiding overdrafts
- Anyone building long-term wealth
From the same creators as
5.0 (10 reviews)
4.5 (49 reviews)
Easy to fit into your routine
Moni organizes everything in a way that actually works — less friction, more clarity on what matters.
How is it free?
Moni is a new product and is temporarily free while we learn. Download and try everything in the app during this period at no cost.