Moniqo: AI Money Tracker

Moniqo is a private, AI-assisted personal finance tracker for people who want to understand their money — not just glance at it. TRACK WITHOUT TYPING FORMS • Smart Line: type "carrefour 45 groceries yesterday" and the transaction fills itself in — amount, date, vendor, category • Paste a bank SMS and Moniqo reads the amount, card and merchant • Snap a receipt and get a categorised transaction in seconds • Import bank statements as PDF or CSV (HDFC, ICICI, Emirates NBD, FAB, plus a general parser with OCR fallback) — no bank login, ever SEE WHAT IT MEANS • AI monthly insights — "groceries up 23% vs your 3-month average" • Ask Moniqo: plain-language questions about your own figures • Anomaly alerts when a charge doesn't look like you • Budgets that track pace, not just totals • Loans with a projected debt-free date; card EMI plans tracked to the last instalment • Net worth across every account, card and currency BUILT FOR HOW YOU ACTUALLY BANK • AED, INR, USD, GBP and more as first-class currencies • Auto-categorisation across 5,500+ UAE, India and global merchants • Split transactions, tags, recurring detection, salary-day countdown PRIVACY IS THE ARCHITECTURE, NOT A SETTING • No bank logins and no data aggregators — you import, we parse • Card numbers are never stored; only the masked last 4 digits • AI sees redacted aggregates, never your raw ledger • Support staff can view your data only after you approve a one-time code, and every operator action is logged • Public changelog, known-issues list and roadmap at moniqo.me/transparency NO ADS, NO DATA BROKERING, NO KICKBACKS Moniqo doesn't sell ads or recommend financial products for commissions. Free during early access. Paid tiers arrive later — early users keep what they have.