Moni - Personal Finance

Moni doesn't just track your money — it helps you understand your relationship with it. KNOW YOURSELF FINANCIALLY Take the financial profile test and discover if you're Impulsive, a Planner, Avoidant, Anxious, or Balanced. Moni gives you real insights about how you think about money — not just numbers. DAILY BUDGET THAT WORKS FOR YOU See exactly how much you can spend today based on your income and spending rhythm. Moni adjusts in real time as you spend, so you always know where you stand. SMART INSIGHTS - Expense distribution by category with a visual donut chart - Monthly spending heatmap — see your patterns at a glance - Income vs Expenses comparison - Financial habits analysis - Scenario simulator — plan your financial future SAVINGS GOALS THAT ACTUALLY WORK Set goals with deadlines, track progress, and set monthly contributions. Moni tells you exactly how much to save each month to hit your target. STAY ON TOP OF RECURRING EXPENSES Never be surprised by a bill again. Track all your fixed monthly expenses and see your total committed costs at a glance. BUDGET LIMITS Set spending limits by category and get notified before you overspend. YOUR FINANCIAL PROFILE Understand your net worth with assets and liabilities tracking. See your financial radar across 6 dimensions. Discover your money personality with our unique financial profile test. WISHLIST Add items you want to buy, set a target price, and track your progress. Stop impulse buying — if it's still on your list in a week, consider buying it. BUILT FOR YOUR LANGUAGE Available in English, Spanish and Brazilian Portuguese. PRIVACY FIRST Your data stays yours. Export everything as CSV anytime. Delete your account and all data instantly from the app. No ads. No tracking. Just you and your money. Some control you. Others watch you. Moni knows you.