Reports you’ll actually read
Spending by category, cashflow month over month, your top merchants — and any of it exports to CSV or PDF.
25,000+ happy users
Everyday decisions you'll enjoy.
Track spendings. Plan what's next. Moniko does the rest.
- Free forever
- 10 AI captures / month
- No card required
- Receipt captured
- AI reading…
- Merchant detectedStarbucks
- CategoryFood & Drinks
- Amount$5.48
- Added to your expenses
- Happy users
- 25,000+
- Receipts scanned
- 200,000+
- Tracked this month
- $12M+
- From 3,200+ reviews
- 4.9 / 5
Works everywhere you need
- iOS
- Android
- Web App
- Telegram Bot
- Export to PDF
Less time tracking.
More time living.
The little decisions get easier, one receipt at a time.
1Track it
Snap the receipt, say it out loud, or forward it to the WhatsApp bot — whatever is closest to your thumb.
2Sort it
Moniko turns your receipt, text, or voice message into a saved transaction — no filling in the details yourself.
3Ask away
Ask about your spending, purchases, or household preferences — Moniko helps you find the answers.
Everything a money
buddy should do.
Real features, not filler — the same ledger, budgets, and reports on every device you own.
Say it out loud
A voice memo becomes a drafted transaction — merchant, amount, category, done.
“coffee with Sara, four fifty” → drafted
Two currencies, one truth
18 currencies with a display toggle, and every rate frozen at spend time so history never drifts.
$8.26¥1,240rate frozen
Budgets that behave
Monthly envelopes for the categories you actually overspend, with a bar you can read at a glance.
Groceries$310 of $400
Goals worth saving for
Name it, fund it, watch the ring close — the piggy bank does the cheering.
Kyoto trip · 68%$1,020 of $1,500
Bills that remind you
Put rent, the gym, and every subscription on repeat — moniko keeps the schedule so you don't have to.
RentGymiCloud · in 3 days
Net worth, growing
Accounts and assets rolled into one line that — with a little care — points up.
+$4,210 this year
Text it to the bot
Forward a receipt on Telegram; the draft is waiting the next time you open the app.
receipt-0412.jpgDraft ready
Nothing posts
without you.
Every capture — scanned, spoken, or forwarded — lands as a draft on a review screen. You glance, you tap, it posts. AI does the typing; you keep the authority.
- The original receipt stays attached to its transaction
- Works in any country, with any bank — no bank logins, ever
- Your whole ledger exports to CSV whenever you want it
Same ledger, same
numbers — everywhere.
numbers — everywhere.
One buddy, every pocket.
Capture happens standing in a checkout line; review happens on the couch. Moniko is one app across web, iPhone, Android, macOS, Windows, and Telegram — always in sync.
- WebAny browser — nothing to install
- iPhoneInstalls to your home screen
- AndroidSame app, in your pocket
- macOSInstall straight from Safari
- WindowsInstall straight from your browser
- TelegramForward a receipt to the bot
Tracking is free. Forever.
The ledger, budgets, goals, and reports cost nothing — and every month includes 50 AI captures. Pro removes the ceiling.
Free
Everything you need to track.
- Unlimited accounts and transactions
- Budgets, saving goals, and recurring bills
- Multi-currency with frozen at-the-time rates
- Reports, net worth, and CSV export
- 50 AI captures a month — scan or voice
Pro ✧ UNLIMITED AI
For people who never want to type again.
- Unlimited receipt scans and voice memos
- AI insights on your reports
- Everything in Free, of course
Start free, upgrade in-appUpgrade from Settings → Billing — the price is shown before you commit. Cancel any time.
Frequently asked questions
Is moniko free?
Yes — the ledger, budgets, saving goals, recurring bills, reports, net worth, and CSV export are free forever, and every month includes 50 AI captures. Pro removes the AI ceiling with unlimited captures and AI insights on your reports.
How does AI capture work?
Snap a receipt or say the expense out loud. moniko reads the merchant, line items, language, and currency, then drafts the transaction for you. Nothing posts until you approve it.
Does moniko support multiple currencies?
Yes — 18 currencies with a two-currency display toggle. Every transaction keeps its original amount, and the exchange rate is frozen at spend time.
What platforms does moniko run on?
Web, iOS, Android, macOS, and Windows — the same account everywhere. There is also a Telegram bot for forwarding receipts.
Does moniko connect to my bank?
No. Instead of bank sync, moniko uses AI capture: scan the receipt or say it out loud, and review the draft before it posts.
Can I export my data?
Anytime. Your ledger exports to CSV, and original receipts are kept alongside their transactions.
AI drafts. You approve.
That’s the whole deal. The tedious part is automated; the final say is always yours.
Start tracking free No card required.- Original receipts kept
- Rates frozen at spend time
- CSV export anytime