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Stop fighting with spreadsheets.
Just chat.
Moneko is the AI financial assistant that makes staying on top of money feel lightweight. Snap receipts, send voice notes, and manage "Pockets" without the manual work.
Join 6,000+ early users
Everything you need to master your money
Moneko combines powerful financial tools with the simplicity of a chat app.
WhatsApp Assistant
Update expenses via text, voice, image, PDF, or Excel. No app needed.
Food
$320
Travel
$150
Fun
$40
Bills
$380
Health
$20
Pockets System
Envelope budgeting designed for modern life. Give every dollar a job.
Household Mode
Manage joint finances without the headache. Switch between personal and shared views.
Can I buy a $2,000 laptop before Jan 2, 2026?
AI Insights
Ask "Can I buy X by Y date?" and get instant, data-backed answers.
4.8/5 App Store rating
See what our users are saying about Moneko
Strong AI analysis
The AI scenario planning is superb, he will analysis according to your pocket sizing and give you the best suggestion and planning for you. This really helped those who dont know proper financial planning. Strongly recommended!
Simple and easy to use
Really enjoy using this app so far. It makes tracking shared expenses simple and stress-free, and the AI features save a lot of time. The interface is clean and easy to use, and great for daily spending and splitting costs with friends.
Beta User to Live Access!!
I'm so excited since Moneko is live on AppStore now, Been using in Testflight. It's so easy to add Income/Expenses and even Family Sharing or Group Sharing, The best one is Add via WhatsApp Features!!
Really good budgeting app!
I try this app bcz of the cute cat icon and since it offers free trial, but I ended up staying bcz it's actually amazing!! The interface is super clean and simple, makes tracking my expenses super easy and it also offers some other features. Really recommend this app if you wanna manage your money with small amount of price!!
Web Android iOS app with WhatsApp integration !!!!
This is only budgeting app that has all And they all are well synced. Developers actually listened and updated. They added many of my requests into this app. It's group of developers working on this project and they all know what they are doing. Widgets are nice too. My roommates and I used the sharing expenses experience through this app and never had any problem with it.
Smart AI and integration
The processing speed of AI is incredibly fast and it was able to capture all the details, nice work
Quite impressive already, looking forward to enrichments
It's impressive how much is already packed into this first version. The UI is really well-done and makes the app easy to navigate. Being able to pull a list of transactions from one screenshot is a handy feature, and I like that I can set up different spaces with so many category options. The graphs are also a nice way to see a quick overview of my spending. It's a strong foundation and I'm interested to see how it develops.
Very useful app
Very useful app. Design is minimalist just I like.
Great app with AI features
Great app to have AI write down all of your expenses. My one complaint is there are free trials and lifetime subscription but no free option. Also the developer is really enthusiastic to bring new features and improvements to the app.
Perfect WhatsApp integration
it is really the app i was looking for. instead of choosing a category and etc.. i can just type a message and its AI automatically does everything. can also share a voice & image. Surprising feature was the whatsapp integration. It reqlly is a awesome featute, dear developers pls polish this feature without any bugs and u will the lead app in this category. I am from india we use whatsapp as the primary communication app so this will be awesome. i am already a lifetime subscriber thank u
Strong AI analysis
The AI scenario planning is superb, he will analysis according to your pocket sizing and give you the best suggestion and planning for you. This really helped those who dont know proper financial planning. Strongly recommended!
Simple and easy to use
Really enjoy using this app so far. It makes tracking shared expenses simple and stress-free, and the AI features save a lot of time. The interface is clean and easy to use, and great for daily spending and splitting costs with friends.
Beta User to Live Access!!
I'm so excited since Moneko is live on AppStore now, Been using in Testflight. It's so easy to add Income/Expenses and even Family Sharing or Group Sharing, The best one is Add via WhatsApp Features!!
Really good budgeting app!
I try this app bcz of the cute cat icon and since it offers free trial, but I ended up staying bcz it's actually amazing!! The interface is super clean and simple, makes tracking my expenses super easy and it also offers some other features. Really recommend this app if you wanna manage your money with small amount of price!!
Web Android iOS app with WhatsApp integration !!!!
This is only budgeting app that has all And they all are well synced. Developers actually listened and updated. They added many of my requests into this app. It's group of developers working on this project and they all know what they are doing. Widgets are nice too. My roommates and I used the sharing expenses experience through this app and never had any problem with it.
Smart AI and integration
The processing speed of AI is incredibly fast and it was able to capture all the details, nice work
Quite impressive already, looking forward to enrichments
It's impressive how much is already packed into this first version. The UI is really well-done and makes the app easy to navigate. Being able to pull a list of transactions from one screenshot is a handy feature, and I like that I can set up different spaces with so many category options. The graphs are also a nice way to see a quick overview of my spending. It's a strong foundation and I'm interested to see how it develops.
Very useful app
Very useful app. Design is minimalist just I like.
Great app with AI features
Great app to have AI write down all of your expenses. My one complaint is there are free trials and lifetime subscription but no free option. Also the developer is really enthusiastic to bring new features and improvements to the app.
Perfect WhatsApp integration
it is really the app i was looking for. instead of choosing a category and etc.. i can just type a message and its AI automatically does everything. can also share a voice & image. Surprising feature was the whatsapp integration. It reqlly is a awesome featute, dear developers pls polish this feature without any bugs and u will the lead app in this category. I am from india we use whatsapp as the primary communication app so this will be awesome. i am already a lifetime subscriber thank u
Strong AI analysis
The AI scenario planning is superb, he will analysis according to your pocket sizing and give you the best suggestion and planning for you. This really helped those who dont know proper financial planning. Strongly recommended!
Simple and easy to use
Really enjoy using this app so far. It makes tracking shared expenses simple and stress-free, and the AI features save a lot of time. The interface is clean and easy to use, and great for daily spending and splitting costs with friends.
Beta User to Live Access!!
I'm so excited since Moneko is live on AppStore now, Been using in Testflight. It's so easy to add Income/Expenses and even Family Sharing or Group Sharing, The best one is Add via WhatsApp Features!!
Really good budgeting app!
I try this app bcz of the cute cat icon and since it offers free trial, but I ended up staying bcz it's actually amazing!! The interface is super clean and simple, makes tracking my expenses super easy and it also offers some other features. Really recommend this app if you wanna manage your money with small amount of price!!
Web Android iOS app with WhatsApp integration !!!!
This is only budgeting app that has all And they all are well synced. Developers actually listened and updated. They added many of my requests into this app. It's group of developers working on this project and they all know what they are doing. Widgets are nice too. My roommates and I used the sharing expenses experience through this app and never had any problem with it.
Smart AI and integration
The processing speed of AI is incredibly fast and it was able to capture all the details, nice work
Quite impressive already, looking forward to enrichments
It's impressive how much is already packed into this first version. The UI is really well-done and makes the app easy to navigate. Being able to pull a list of transactions from one screenshot is a handy feature, and I like that I can set up different spaces with so many category options. The graphs are also a nice way to see a quick overview of my spending. It's a strong foundation and I'm interested to see how it develops.
Very useful app
Very useful app. Design is minimalist just I like.
Great app with AI features
Great app to have AI write down all of your expenses. My one complaint is there are free trials and lifetime subscription but no free option. Also the developer is really enthusiastic to bring new features and improvements to the app.
Perfect WhatsApp integration
it is really the app i was looking for. instead of choosing a category and etc.. i can just type a message and its AI automatically does everything. can also share a voice & image. Surprising feature was the whatsapp integration. It reqlly is a awesome featute, dear developers pls polish this feature without any bugs and u will the lead app in this category. I am from india we use whatsapp as the primary communication app so this will be awesome. i am already a lifetime subscriber thank u
Strong AI analysis
The AI scenario planning is superb, he will analysis according to your pocket sizing and give you the best suggestion and planning for you. This really helped those who dont know proper financial planning. Strongly recommended!
Simple and easy to use
Really enjoy using this app so far. It makes tracking shared expenses simple and stress-free, and the AI features save a lot of time. The interface is clean and easy to use, and great for daily spending and splitting costs with friends.
Beta User to Live Access!!
I'm so excited since Moneko is live on AppStore now, Been using in Testflight. It's so easy to add Income/Expenses and even Family Sharing or Group Sharing, The best one is Add via WhatsApp Features!!
Really good budgeting app!
I try this app bcz of the cute cat icon and since it offers free trial, but I ended up staying bcz it's actually amazing!! The interface is super clean and simple, makes tracking my expenses super easy and it also offers some other features. Really recommend this app if you wanna manage your money with small amount of price!!
Web Android iOS app with WhatsApp integration !!!!
This is only budgeting app that has all And they all are well synced. Developers actually listened and updated. They added many of my requests into this app. It's group of developers working on this project and they all know what they are doing. Widgets are nice too. My roommates and I used the sharing expenses experience through this app and never had any problem with it.
Smart AI and integration
The processing speed of AI is incredibly fast and it was able to capture all the details, nice work
Quite impressive already, looking forward to enrichments
It's impressive how much is already packed into this first version. The UI is really well-done and makes the app easy to navigate. Being able to pull a list of transactions from one screenshot is a handy feature, and I like that I can set up different spaces with so many category options. The graphs are also a nice way to see a quick overview of my spending. It's a strong foundation and I'm interested to see how it develops.
Very useful app
Very useful app. Design is minimalist just I like.
Great app with AI features
Great app to have AI write down all of your expenses. My one complaint is there are free trials and lifetime subscription but no free option. Also the developer is really enthusiastic to bring new features and improvements to the app.
Perfect WhatsApp integration
it is really the app i was looking for. instead of choosing a category and etc.. i can just type a message and its AI automatically does everything. can also share a voice & image. Surprising feature was the whatsapp integration. It reqlly is a awesome featute, dear developers pls polish this feature without any bugs and u will the lead app in this category. I am from india we use whatsapp as the primary communication app so this will be awesome. i am already a lifetime subscriber thank u
The best app to manage money
The best app to manage money. By the help of AI, I can understand the availability of future planning. The important is I can easily insert the minor expense by voice or image instead of type in one by one, save my effort
Perfect for shared expense tracking
Moneko is the suitable app for shared expense tracking. Unlike traditional budgeting tools that require perfect inputs, Moneko embraces the messy reality of life. Log expenses through text, voice, photos, or chat messages, and the smart AI organizes everything automatically. Roommates, can add an expense once, and everyone stays in sync. No complicated forms are needed—simply type, speak, or snap a photo. Moneko categorizes spending, keeps totals
Really cool auto-categorization
The app is really nice. I am using it for my expenses. Really cool feature is that it automatically sorts them into appropriate categories when you type / use voice. Another feature is voice captu
Magnifique app en français ! Corrigez les petits bugs d'affichage
Cette application gère parfaitement les dépenses partagées pour couples ou colocataires, avec saisie simple par voix, texte, photo ou WhatsApp, IA qui catégorise auto et budgets sync multi-devises. C'est comme un conseiller financier IA : demandez si vous pouvez acheter un ordinateur avant une date précise, et il planifie tout. L'interface true black mauve est top sur iPhone, et elle est en français complet (ajustez la fiche App Store). Bugs à fixer : À police système maximale, textes illisibles/chevauchés. Affichage coupé police agrandie (autres captures). Nom utilisateur illisible ; utilisez prénom. Écriture invisible en nommant espace. 5 étoiles malgré tout. Excellente app, améliorez l'accessibilité svp !
Tạm ổn
Cũng khá hay, nhưng app còn 1 số case call api lỗi xong show nguyên cả json lỗi ra, cần cải thiện hơn
1st app that helps me actually keep track consistently
Thanks for this great app
Quản lý tài chính
Ứng dụng rất tuyệt vờii, giúp quản lý chi tiêu và phân tích rõ ràng
The best app to manage money
The best app to manage money. By the help of AI, I can understand the availability of future planning. The important is I can easily insert the minor expense by voice or image instead of type in one by one, save my effort
Perfect for shared expense tracking
Moneko is the suitable app for shared expense tracking. Unlike traditional budgeting tools that require perfect inputs, Moneko embraces the messy reality of life. Log expenses through text, voice, photos, or chat messages, and the smart AI organizes everything automatically. Roommates, can add an expense once, and everyone stays in sync. No complicated forms are needed—simply type, speak, or snap a photo. Moneko categorizes spending, keeps totals
Really cool auto-categorization
The app is really nice. I am using it for my expenses. Really cool feature is that it automatically sorts them into appropriate categories when you type / use voice. Another feature is voice captu
Magnifique app en français ! Corrigez les petits bugs d'affichage
Cette application gère parfaitement les dépenses partagées pour couples ou colocataires, avec saisie simple par voix, texte, photo ou WhatsApp, IA qui catégorise auto et budgets sync multi-devises. C'est comme un conseiller financier IA : demandez si vous pouvez acheter un ordinateur avant une date précise, et il planifie tout. L'interface true black mauve est top sur iPhone, et elle est en français complet (ajustez la fiche App Store). Bugs à fixer : À police système maximale, textes illisibles/chevauchés. Affichage coupé police agrandie (autres captures). Nom utilisateur illisible ; utilisez prénom. Écriture invisible en nommant espace. 5 étoiles malgré tout. Excellente app, améliorez l'accessibilité svp !
Tạm ổn
Cũng khá hay, nhưng app còn 1 số case call api lỗi xong show nguyên cả json lỗi ra, cần cải thiện hơn
1st app that helps me actually keep track consistently
Thanks for this great app
Quản lý tài chính
Ứng dụng rất tuyệt vờii, giúp quản lý chi tiêu và phân tích rõ ràng
The best app to manage money
The best app to manage money. By the help of AI, I can understand the availability of future planning. The important is I can easily insert the minor expense by voice or image instead of type in one by one, save my effort
Perfect for shared expense tracking
Moneko is the suitable app for shared expense tracking. Unlike traditional budgeting tools that require perfect inputs, Moneko embraces the messy reality of life. Log expenses through text, voice, photos, or chat messages, and the smart AI organizes everything automatically. Roommates, can add an expense once, and everyone stays in sync. No complicated forms are needed—simply type, speak, or snap a photo. Moneko categorizes spending, keeps totals
Really cool auto-categorization
The app is really nice. I am using it for my expenses. Really cool feature is that it automatically sorts them into appropriate categories when you type / use voice. Another feature is voice captu
Magnifique app en français ! Corrigez les petits bugs d'affichage
Cette application gère parfaitement les dépenses partagées pour couples ou colocataires, avec saisie simple par voix, texte, photo ou WhatsApp, IA qui catégorise auto et budgets sync multi-devises. C'est comme un conseiller financier IA : demandez si vous pouvez acheter un ordinateur avant une date précise, et il planifie tout. L'interface true black mauve est top sur iPhone, et elle est en français complet (ajustez la fiche App Store). Bugs à fixer : À police système maximale, textes illisibles/chevauchés. Affichage coupé police agrandie (autres captures). Nom utilisateur illisible ; utilisez prénom. Écriture invisible en nommant espace. 5 étoiles malgré tout. Excellente app, améliorez l'accessibilité svp !
Tạm ổn
Cũng khá hay, nhưng app còn 1 số case call api lỗi xong show nguyên cả json lỗi ra, cần cải thiện hơn
1st app that helps me actually keep track consistently
Thanks for this great app
Quản lý tài chính
Ứng dụng rất tuyệt vờii, giúp quản lý chi tiêu và phân tích rõ ràng
The best app to manage money
The best app to manage money. By the help of AI, I can understand the availability of future planning. The important is I can easily insert the minor expense by voice or image instead of type in one by one, save my effort
Perfect for shared expense tracking
Moneko is the suitable app for shared expense tracking. Unlike traditional budgeting tools that require perfect inputs, Moneko embraces the messy reality of life. Log expenses through text, voice, photos, or chat messages, and the smart AI organizes everything automatically. Roommates, can add an expense once, and everyone stays in sync. No complicated forms are needed—simply type, speak, or snap a photo. Moneko categorizes spending, keeps totals
Really cool auto-categorization
The app is really nice. I am using it for my expenses. Really cool feature is that it automatically sorts them into appropriate categories when you type / use voice. Another feature is voice captu
Magnifique app en français ! Corrigez les petits bugs d'affichage
Cette application gère parfaitement les dépenses partagées pour couples ou colocataires, avec saisie simple par voix, texte, photo ou WhatsApp, IA qui catégorise auto et budgets sync multi-devises. C'est comme un conseiller financier IA : demandez si vous pouvez acheter un ordinateur avant une date précise, et il planifie tout. L'interface true black mauve est top sur iPhone, et elle est en français complet (ajustez la fiche App Store). Bugs à fixer : À police système maximale, textes illisibles/chevauchés. Affichage coupé police agrandie (autres captures). Nom utilisateur illisible ; utilisez prénom. Écriture invisible en nommant espace. 5 étoiles malgré tout. Excellente app, améliorez l'accessibilité svp !
Tạm ổn
Cũng khá hay, nhưng app còn 1 số case call api lỗi xong show nguyên cả json lỗi ra, cần cải thiện hơn
1st app that helps me actually keep track consistently
Thanks for this great app
Quản lý tài chính
Ứng dụng rất tuyệt vờii, giúp quản lý chi tiêu và phân tích rõ ràng
Download Moneko and join thousands of happy users
Capture Anything.
Instantly.
Moneko lives where you chat. No clunky forms to fill out. Just send a message, voice note, or photo on WhatsApp, and our AI handles the rest.
Text It
Just type 'Lunch $15'. We categorize it automatically.
Say It
On the go? Send a voice note. We transcribe and log it.
Snap It
Take a photo of a receipt. We extract every detail.
Simplicity in Motion.
Moneko replaces spreadsheets with a conversation.
Here's how you get control of your money in 4 steps.
Complete Control. Zero Lock-in.
We believe your financial data is yours alone. We don't sell it, and we make it easy for you to take it with you or destroy it completely.
Export to Excel
Download your full transaction history as .xlsx or .csv files instantly. Keep your own backups or run custom analysis in your favorite tools.
One-Click Wipe
If you decide to leave, you can delete your account and all associated data instantly. We keep no backups. When you say go, it's gone for good.
Backlink readiness
Make it effortless to reference Moneko.
High-quality backlinks come from trust, relevance, and accurate anchor text. Share our research, cite our tools, and let audiences know why Moneko is an authoritative AI budgeting platform.
Financial media & educators
Reference our AI-led budgeting research, WhatsApp budgeting assistant, and financial calculator hub in upcoming articles, newsletters, or lesson plans.
- Embed screenshots from our AI budgeting timeline or saved scenarios in the Insights tab.
- Link directly to calculators so readers can test numbers alongside your narrative.
- Pair Moneko’s quick-add capture examples with your own commentary for topical depth.
Financial coaches & partners
Add Moneko as a recommended tool within resource hubs to show how Household budgeting mode keeps Personal vs Household dashboards in sync.
- Feature case studies that highlight our shared pocket workflows and automated nudges.
- Use anchor text such as “AI budgeting assistant” or “shared household finance app” linked to our feature pages.
- Share the WhatsApp flow when announcing collaborations so audiences see real conversational budgeting.
Community shout-outs
Mention Moneko in fintech roundups, startup lists, or forums when discussing AI insights & scenario planning or WhatsApp-native budgeting.
- Summarize our latest feature drops (pockets, widgets, WhatsApp) inside Discord or Slack communities.
- Contribute quotes from our team about conversational “what if” planning to expert opinion pieces.
- Use descriptive anchor text that mirrors the surrounding topic, e.g., “AI receipt capture” or “chat-based budget view”.
Anchor text tips
Keep links relevant and descriptive.
Use anchor phrases such as “AI budgeting assistant”, “WhatsApp expense tracker”, or “shared household finance tool” when referencing specific Moneko features. Avoid generic “click here” language to reinforce topical relevance.
Freshness matters
Highlight new launches or data drops.
Publish quarterly updates, share screenshots of live pockets, or quote our AI spending insights to signal recency. We announce major releases inside our Discord and partner newsletter first.
Quality outbound links
Cite authoritative sources alongside us.
Pair your Moneko mention with trusted industry references to boost credibility. We curated a few below—feel free to mix in regional regulators or accredited institutions relevant to your audience.
Reference library
Authoritative backlink resources
When covering Moneko, reinforce your narrative with research from reputable organizations. These links open in a new tab so you can quickly cite guidelines while drafting your content.
OECD Digital Financial Consumer Protection
Global guidance on safeguarding consumers using AI and digital finance tools.
Visit resourceWorld Bank Household Consumption Data
Authoritative dataset on household spending patterns across countries.
Visit resourceCFPB Budgeting Resources
Trusted U.S. government financial education references.
Visit resourceWhy choose Moneko?
See how we stack up against the rest.
Common Questions
Everything you need to know about getting started with Moneko
What is Moneko?
How does budgeting with Moneko work?
Is Moneko free?
What tools are available for budgeting?
How is my data protected?
Is this financial advice?
How do I get started?
Can I update my budget from WhatsApp?
Does Moneko support household or joint budgets?
How does AI capture work for receipts and voice notes?
Can I track spending without linking bank accounts?
What insights or planning tools do I get?
Does Moneko support direct import of .xlsx, .csv, or PDF files?
Ready to take control?
Join thousands of users who are building a healthier relationship with money. Download Moneko today.
Free to start. No credit card required.