MonAi

How It Works Features Reviews About Download EN ES See your spending clearly. Effortlessly. Type, speak, or automate - MonAi organizes your finances so you don't have to think about it. MonAi is an AI-powered expense tracker app for iOS and Android that lets users log expenses by speaking naturally, typing in plain language, or automating entries through Apple Pay and Apple Shortcuts. Features include voice input with natural language processing, automatic Apple Pay transaction logging, AI chat for financial insights, shared expense lists for couples and groups, multi-currency support, budget tracking, and recurring transactions. Rated 4.8 stars by over 8,500 users, MonAi is designed for people who want simple, frictionless expense tracking without complex dashboards or overwhelming features. Free to download with an optional premium subscription. How It Works Enter effortlessly Type a note, speak naturally, or let automations do it for you. No forms, no friction. Build the habit When tracking takes seconds, you actually do it. Consistency becomes natural. 🥑 45.00 🍔 32.00 🚗 22.00 💎 15.00 See the full picture Understand your patterns. Ask questions. Get insights you'd never find in a spreadsheet. Features Everything you need, nothing you don't Track expenses and income in real time without jumping between tools or spreadsheets. Pay with Apple Pay.Log automatically. Every time you tap to pay, MonAi automatically logs your expense. No more forgetting, no more end-of-day catch-up. Your spending is tracked the moment it happens. Instant post-payment automation Zero-effort tracking Works with Apple Shortcuts™ Show all ways to automate Speak Manual Speak your expenses Tell MonAi about your day: "I just went to the cinema for $19, the popcorn was $4" Natural speech becomes organized data. Natural language processing Automatically detects amount, description, date, tags and more Hands-free tracking Prefer manual You can still enter your expense manually if you prefer that. MonAi still does its best to make it as frictionless as possible by auto suggesting tags and category while you type. Auto-detects category from context Suggests tags Leaves everything in your control Ask your finances anything Get insights like never possible before. The app can analyze your finances on demand to give you tailored insights or recommendations to your needs. Fast answers to any question Pattern insights Trend analysis Set limits.Stay on track. Define spending limits for any category and watch your progress in real time. Know exactly where you stand, before you overspend, not after. Visual progress bars per category Home Screen widgets for quick glances See remaining budget when adding expenses Minimalist Design.Great UX. No bloat, no overwhelming dashboards, no feature creep. Just the essentials you actually need, designed to be a joy to use every single day. Clean, focused interface No unnecessary complexity Delightful daily experience Track together Split expenses with a partner? Shared lists keep you both in sync. Automatic sync Decide which lists to share and which ones you want to keep private Shared insights Unlimited ways to track MonAi on iOS connects to Apple Shortcuts™, turning any trigger into an expense entry. Set it once, track forever. Apple Pay Automation Logs your expenses right after you pay Photo → Transaction Snap a receipt, let OCR extract the details Action Button Voice Press the side button, speak your expense, done Screenshot → Entry Screenshot a purchase confirmation, it becomes an entry Email Automation Turn e-mails from your bank into transactions Message Trigger Turn bank SMS notifications into transactions What our users say Join thousands of people who have transformed their financial habits with MonAi. 4.8 ★ ★ ★ ★ ★ Average rating from over 8,500+ reviews and counting ★★★★★ Finally found the perfect finance app! "I've tried so many personal finance apps, but none of them quite fit my needs until I found Expense Tracker - MonAi. It is, by far, the best app for tracking expenses and income with proper organization." Woznak7879 ★★★★★ Perfect for a busy lifestyle "MonAi has been a great addition to my daily routine. It's simple, clean, and genuinely fits a busy lifestyle where you don't have time to sit and type every expense. The quick-entry and intuitive design make it effortless to stay organized while on the move." kaushan567 ★★★★★ Underrated and Fuss Free "Have been looking for good expense trackers cause I don't like doing it. This is by far the best. I've set it up to automatically record every tap to pay transaction and it works like a charm." Seahcheng ★★★★★ Amazing and problem solving! "My biggest problem when trying to track my expenses is doing it manually. MonAI solves this with shortcuts and AI, now everything is logged automatically. Thanks!" Saradrt ★★★★★ Just perfect "I was tracking my expenses with an excel sheet but it wasn't that convenient when I was on my phone, with this app everything is easier though. It's a great product overall!" Juanma0995 ★★★★★ Very helpful "It's a very helpful app that lets you track your expenses and incomes." Chucho328 ★★★★★ The best expense tracker "I love the app, simple and easy to use and track your finances." asan86 ★★★★★ I love this app "The best expense tracking app! Voice input is super useful, ui is great, apple pay sync is also a killer feature." Maxim Izmaylov ★★★★★ Simple and effortless :) "The tracking via audio input works surprisingly well and makes logging activities quick and effortless. A really practical solution!" ollmph ★★★★★ Easiest app ever "Nothing easier than MonAi to use, just perfect. The only thing I would suggest is the possibility to add past date expenses on the list using a complete calendar. 100% recommended!!" Mr. Grossi ★★★★★ I'm a fan of MonAI "MonAI is the best. Its interface is so intuitive that from the first moment you know exactly how to use it. Without a doubt, it's a tool I would gladly recommend." Ayrton Otondo ★★★★★ Recommended, simple and useful "After searching many apps I found MONAI, its use from the start was simple, easy to understand, and best of all it makes you want to use it and record your expenses through its voice function." Miguel_Mu ★★★★★ The best finance app "It's undoubtedly the only one that has allowed me to create the habit of controlling my expenses, it's the easiest and most fun to use and has many features that others don't." Charlie Alvarez ★★★★★ The Best Personal Financial App "The best app to control your income and expenses, it is absolutely beautiful, fast and simple." SantiRAYO2025 ★★★★★ Great app with room for improvements "Very intuitive and visually appealing app. With PDF export and end dates for recurring expenses, it would be perfect!" drodcan ★★★★★ Pretty, Sweet & simple "This application is everything that is good to keep track of your finances, definitely the interface fulfills I feel pretty, the way to place the expenses is sweet and fluid and the simplicity makes you want to use it! 10/5!!!" Jacob Martins ★★★★★ Love this app "I had struggled finding an app to track my expenses. Tried a few, hated them all. This one is amazing." Fernando Ordo ★★★★★ Wonderful app!! "Love the app!! It's so easy to use and add expenses.. I've tried different app and this one is by far the most reliable one I've found." adrianamariae ★★★★★ Happily switched, lots of potential "I can now say that this is my main expense tracker. Polished, easy and shortcuts support! Awesome. Some nitpicks include dark mode, importing and some overview per quarter or year." Tomi Garcia ★★★★★ Amazing App "Worth every penny for the Premium Version. It's a game changer for keeping track of where your money goes and to stay within Budget. The voice-to-type is flawless. Amazing work!" HappyLDC ★★★★★ Simple and fast "With the voice command it's very quick to record expenses and how it groups them. It's familiar and my wife and I record expenses in a single list." DonMauro77 ★★★★★ My favorite "It's a very good app. Quite intuitive and with freedom to adapt it to your needs. The only thing I feel is missing is the budget option which I understand is already in development and I'm eagerly awaiting. However, it doesn't mean it's not an excellent app" netellob ★★★★★ Works well "I'm really trying to keep better track of my expenses and this app has helped a lot. No issues." Ten15j3 ★★★★★ Since I downloaded MonAi I have more control of my expenses "Since I downloaded the MonAi app I have more control of my expenses, especially the small expenses that I didn't remember what I spent on before." Cristina Caceres ★★★★★ Very practical "Very practical, solves the problem of having to write expenses, you just dictate them and that's it, 100% recommended" Coppi_ ★★★★★ The best app and the most compatible with iOS "The truth is that since I use this app it changed the way I track my finances and it also serves as a tool to control my expenses" Jonathanaap17 ★★★★★ Fully happy with the App "I'm learning to use it and it really seems very practical to use, it has many options and although the first impression is that it's simple, it's very complete and you can practically adapt it to your needs." Rex_nava ★★★★★ The best app "After trying almost all of them, this is the best, easy to keep track, functional and simple interface and the payment automation is the best" SoyJuanPa ★★★★★ The best of the best "I've tried other apps and nothing compares, I'm very comfortable and finally an app where it's a pleasure to track expenses" Cgarciadgi ★★★★★ Simple and practical "With a few more features will be the first on his category." jfonseca088 ★★★★★ Nice app "I know where is all my money go and cheap for the monthly subscription" ANDRESOVSKI- ★★★★★ The best automated option "Definitely the best option if you're looking for something simple and automated. Very easy to use, the automations are very complete both from messages and ApplePay. It has worked very well for me." Jorgemp92 ★★★★★ Impressive "I really like the UI/UX of the app, it's very intuitive, congratulations to the development team" Fortune Don ★★★★★ Incredible app for managing your finances "I love the design it has and how easy it is to keep track of your finances" andresprada10 ★★★★★ The best finance app "I've used many others but this one is super simple and easy to use, the artificial intelligence makes it more intuitive and better" Kevin Chavarria P. P. ★★★★★ Very intuitive and innovative "I started using it and it's very simple, I really like that you can set up an automation so that every time you use ApplePay the expense is saved in the app, that makes things much easier, there's even a tutorial on how to do the automation" Kevvoo47 ★★★★★ Best app in the market? "Great app, great designer, great team. If you want to improve your finances this is your app" Killuapuesto ★★★★★ Great Experience "I always needed it because I didn't want to use the notes or a telegram chat to register my daily money transactions. The ability to register expenses through automation is a great feature." julianfsandoval ★★★★★ Very good for tracking "Intuitive, fast, aesthetic and useful. Recommended!" Danigonze ★★★★★ I've tried thousands of apps to control expenses "I've tried thousands of apps to control expenses and really the only one that is easy, understandable, intelligent, simple and beautiful! I highly recommend it" Patri BB ★★★★★ Finally! "I had been looking for an app like this for a long time, excellent, simple, practical, everything I need to keep track of my expenses" JuanCLM ★★★★★ I love it! "It helps me organize myself so efficiently! Whenever I used excel I struggled to keep up with adding all my expenses but now it's too easy!" La mejor app de la vida! ★★★★★ Fabulous "I love this app! It's wonderful to be able to control my expenses automatically and easily. The interface is very intuitive and allows me to customize it to my liking, changing icons and more." Aleantro_777 ★★★★★ MonAi "Definitely one of the best apps ever created in history. This is a functional, different, fun and ridiculously useful app." Keiaidi ★★★★★ Best finance app "One of the best apps for recording expenses I've used, very intuitive and minimalist, the combination with shortcuts to automatically record transactions with the wallet app is spectacular!" pabloyepes27 ★★★★★ Excellent app "It's a very good app, everything is very intuitive, it has several pluses like automatically recording the expense when you pay with Apple Pay, thanks to this app I've been able to manage my finances better since I struggled on my own, highly recommended" Vzqxxz ★★★★★ I'm delighted with this App "I've been using it for about 4 months, influenced by my boyfriend, and he was so right! It helps a lot to organize, classify expenses and anticipate money movements. It has many other features, is very intuitive, practical, visually pleasing" Javidiazg ★★★★★ The Best "Practical clean easy to use" davivigil ★★★★★ Helps me 1000% "The app with its artificial intelligence helps a lot to organize expenses!!! The function to dictate my expenses instead of writing them helps me a lot" Sauronib ★★★★★ The best finance app "I've used many others but this one is super simple and easy to use, the artificial intelligence makes it more intuitive and better" Naluleoncio Read more reviews About us Just a couple of people who met on the internet by chance to build a money tracking app we genuinely love using. There's Charlie, the best thing that happened to Latin American social media. Next, there's Zeki, a super talented developer who can even make Android apps look pretty 😜 And lastly, there's me, Flo, the founder, designer, and iOS developer of MonAi. Start understanding your money today Try before you buy, then organize your finances for the price of a coffee per month. Restart Show Video We use marketing cookies. Learn moreDeclineAccept --- Features How It Works Impressum Legal notice and contact information Angaben gemäß § 5 TMG: Florian Vates Matulusstraße 2a 83395 Freilassing Deutschland Telefon: +49 8654 5890018 E-Mail: monai@florianvates.com Umsatzsteuer-Identifikationsnummer gemäß § 27a Umsatzsteuergesetz: DE366477515 Verantwortlich für den Inhalt nach § 55 Abs. 2 RStV: Florian Vates Matulusstraße 2a 83395 Freilassing Deutschland Plattform der EU-Kommission zur Online-Streitbeilegung (OS) https://ec.europa.eu/consumers/odr/ Hinweis gemäß § 36 VSBG (Verbraucherstreitbeilegungsgesetz): Ich bin weder verpflichtet noch bereit, an einem Streitbeilegungsverfahren vor einer Verbraucherschlichtungsstelle teilzunehmen.