Moneko
Moneko
30-day money-back guarantee

One simple app.Master your money.

Stop manually tracking every penny in spreadsheets. Moneko automates the heavy lifting with AI, giving you the intentionality of zero-based budgeting.

Unlock Moneko Pro

Start building wealth effortlessly.

Yearly
Best Value
Billed annually
$119.88$34.99
Monthly
Billed monthly
$9.99$4.99
Lifetime
Limited
Yours forever
$69.99
Unlimited AI expense capture — text, photo, voice, email
Smart email receipt capture — forward receipts to auto-log
WhatsApp budgeting assistant — capture + summaries on chat
Personal & Household modes — solo or shared finances
One subscription shared across all household members
Recurring bills & income tracking — never miss a payment
Scenario planning — what-if insights with AI
Multi-currency support — track spending globally
Bank sync via Plaid — auto-import transactions (Coming Soon)

Save up to 70% compared to monthly. Modify your plan anytime.

4.8/5 rating

4.8/5 App Store rating

76+public store reviews tracked

Real App Store feedback from people using Moneko for AI expense tracking, shared budgets, and WhatsApp capture.

iamnoman21★★★★★

Switched from Spendee. This Is Way Better.

I used to use Spendee for the last 2 years, but not anymore. Moneko is honestly the best app I've tried so far. The best part for me is the voice logging and Siri Shortcuts assistant, it makes adding expenses so quick and effortless. The app is simple, smooth, and very easy to use. Highly recommended. Big thanks to the developer for creating such an amazing and useful app. Please keep it always updated and improving.

USA
Sameulchee★★★★★

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!

MYS
Sarah SNi★★★★★

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.

MYS
Dato Wafiy Aziz★★★★★

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!!

MYS
MilMayr★★★★★

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!!

MYS
AcE★★★★★

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.

MYS

Download Moneko and see why reviewers mention AI capture, shared expenses, and WhatsApp budgeting.

Premium Features

Experience the future of budgeting with cutting-edge tools.

Can I afford a new car next month?
Based on your pockets, you can afford a $400/mo payment if we reallocate the 'Dining Out' pocket.

Proactive AI Coaching

Dual-persona AI runs scenario planning based on your life.

user 1
user 2

Household Sync

Manage pockets together.

Coffee 4.50Logged to "Dining" pocket

Instant Capture

Forward receipts or use WhatsApp.

Everything you get with Pro

A complete budgeting toolkit designed to save you time and keep your finances on track.

Log expenses your way. Add spending by text, photo, voice, or email in seconds.
Forward receipts, done. Email receipts are automatically captured and logged for you.
Budget in WhatsApp. Add transactions and get summaries without leaving chat.
Stay in control with Pockets. Use simple envelope-style budgeting to set limits and save with purpose.
Built for solo or shared finances. Manage your own budget or plan together as a household.
One plan for the whole household. Everyone stays aligned under a single subscription.
Stay on top of bills and income. Track recurring payments and paydays with less manual work.
See the impact before you decide. Use AI-powered scenario planning to explore what-if decisions.
Track spending across currencies. Keep your budget clear, even when money moves globally.
Bank sync via Plaid, coming soon. Auto-import transactions when direct bank connections launch.

Pricing & Billing FAQ

Yes. You can change plans from your account settings. Plan changes and billing dates are handled by Stripe based on your current subscription.

Still have questions?
We're here to help you make the best decision for your financial future.
Contact Support Team