Monvion

Most finance apps tell you what you spent.
Monvion tells you what you can spend — right now, without regret.

Meet your Personal CFO.

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THE ONE NUMBER THAT CHANGES EVERYTHING
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Safe to Spend is Monvion's core metric. It's not your bank balance. It's not a budget category. It's the real number — calculated from your actual cash, expected income, upcoming bills, and a safety buffer — so you always know where you stand.

Spend confidently. Save automatically. Never get caught off guard again.

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EVERYTHING IN ONE PLACE
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Safe to Spend Dashboard
Your financial reality in one number. Updated in real time, across any time window you choose — daily, weekly, or monthly.

Bills & Income Tracking
Log what's coming in and what's going out. Monvion factors every recurring payment and income source into your Safe to Spend automatically.

Financial Calendar
See your cash flow laid out across the month. Know exactly when rent hits, when your salary lands, and what's left in between.

Scenario Simulator
Before you buy something big — slide to see the impact. Monvion shows you what happens to your Safe to Spend before you commit.

AI Financial Advisor
Ask your money anything. Get answers based on your actual numbers — not generic advice.

Net Worth Tracker
Go beyond monthly budgets. Track what you own vs. what you owe, and watch your real wealth build over time.

Savings Goals
Set targets. Track progress. Monvion connects your goals directly to your cash flow so you never sacrifice one for the other.

Accounts Overview
All your accounts in one place. See balances, transaction history, and how everything connects to your bigger financial picture.

Audit Log
Full transparency into every change and calculation. Your finances, nothing hidden.

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BUILT DIFFERENT
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Monvion isn't another expense tracker or a budgeting template with a nice UI. It's a financial operating system — designed to answer the one question you ask yourself every day:

"Can I afford this?"

→ Real-time calculations, not static snapshots
→ Proactive alerts, not passive reports
→ Dark & light mode
→ Bank-level data isolation — your data is yours only
→ Clean, distraction-free design built for daily use

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FREE & PRO
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Monvion is free to get started.

Pro (€9.90/month) unlocks unlimited accounts, advanced AI insights, and all upcoming features — including automatic bank sync.

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You don't need more money.
You need to finally see where it's going.

Download Monvion.