Moneko
Moneko
The Moneko Workflow

Budgeting that doesn't
feel like work.

Most apps demand hours of manual entry. Moneko focuses on fast capture, clear envelopes, and instant answers so you can get on with your life.

Download on the
App Store
GET IT ON
Google Play

Context Matters.

Start by choosing between Personal or Household mode. Manage your own spending privately, or track shared bills with a partner using multi-currency support.

Personal
Household
$
Base Currency
USD ($)
Setup
Solo Workspace

Fast Capture

Don't fill forms. Just tell us what happened via Text, Voice, or Receipt Photo.

Text: "Lunch $15"
Voice: Processing...
Scan: Total $43.20

Pockets System

Give every dollar a job. Split your budget into envelopes for Rent, Fun, and Goals.

Monthly Budget
$3,200
Needs75%
Fun45%
Goals10%

Ask, don't calculate.

Use Scenario Planning to ask "What if?" questions. Moneko forecasts your future balance instantly.

Based on your current savings, you'll hit your goal by November 12th.

Goal
AI Forecasting
WhatsApp Integrated

Moneko lives in your chat.

No need to open the app. Add transactions, check budgets, and get summaries right from WhatsApp.

Instant Logging

"Spent $12 on lunch." It's categorized and saved instantly.

Budget Checks

"How much for groceries?" Get real-time updates on your pockets.

Visual Charts

Ask for a spending graph and get a visual chart directly in the chat.

Explore WhatsApp Assistant
Your Data, Your Rules

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.

How Moneko Works: FAQ

You can log spending by typing a short message, sending a receipt photo, recording a voice note, or attaching supported files. Moneko extracts key details (like amount, date, and category) and routes you to a review screen so you can confirm or edit before saving.

Ready for a simpler system?

Join thousands managing their money with clearer insights and less work.

Download on the
App Store
GET IT ON
Google Play
Private by Default Secure Encryption