MonAI – Personal Finance

MonAI is the personal finance manager with built-in artificial intelligence: log an expense in one tap (or just say it out loud), and the app does the rest.

STAY IN CONTROL • Multiple accounts, transactions, custom categories and subcategories • Recurring payments with reminders • Monthly budget and savings goals

SEE WHERE YOUR MONEY GOES • Spending map and analysis by category • A coach with tips calculated on your own numbers • End-of-month forecast: how much you'll spend and the balance you'll end with, on a chart that updates with every transaction and learns from its own errors • A financial score that captures your money health

YOUR POCKET ADVISER • Ask "can I afford a €500 purchase?" and get an answer based on your real data • Have it build savings plans, create transactions, budgets and goals just by writing in plain language • The assistant uses your free Google Gemini key: set it up in a minute with the built-in guide

AND ALSO • Assets section to track investments and holdings (stocks, ETFs, crypto, metals, real estate) with recurring contribution plans • PDF import and clean exports • 10 theme families, light and dark • Backup and restore

YOUR PRIVACY FIRST Your data stays on your phone: no account, no sign-up, no data collected by our servers.

MONAI PLUS The advanced features (AI assistant, Assets section, financial score, PDF import and export, automatic backup, extra themes and customisations) are grouped under MonAI Plus and in this version are included for free for everyone.