Android beta

Monya sorts your money out

Say “coffee 4.50 and taxi 12” — Monya records it, counts it and tells you what to do next. Spending, budgets, goals, wealth and loans — all in one app.

The app is free. All Premium features free for 14 days — no subscription needed

The Android build isn't ready yet. Please check back soon.

9:41●●● 100%
Listening…
“coffee two fifty, taxi four fifty and groceries at the supermarket yesterday twelve hundred”
Minimize and keep dictating
9:41●●● 100%
October
Balance$8,412
Income$4,750
Expenses$2,069
Accounts
Main card
$5,230
Savings
$2,782
Cash
$400
Wise
340 €
Expenses
Groceries
$512
of $600
Cafés
$231
of $250
Transport
$118
Housing
$1,450
Fun
$86
of $80
Health
$45
Phone
$40
Home
$35
of $150
Activity
Reports
+
Projects
More
Voice entry

Log a purchase faster than opening a calculator

Tap the mic and talk like you would to a friend. One sentence can hold any number of transactions.

  • Understands dates, accounts and currencies: “lunch yesterday 15 euros cash”
  • Transfers between your accounts: “moved 500 from savings to card”
  • Background dictation: hold the mic and read out the history from your banking app
  • Can't talk right now? Type the same sentence instead
  • Before saving you see everything as cards — fix or drop any of them with one tap
9:41●●● 100%
“coffee 250, taxi 450 and groceries yesterday 1200”
3 transactions
Coffee
Cafés · today · Main card
−$4.50
Taxi
Transport · today · Main card
−$18
Supermarket groceries
Groceries · yesterday · Main card
−$52
Save all
Auto-entry

Card purchases show up on their own

Monya reads bank notifications and SMS right on your phone and turns them into transactions.

  • Finds the banking apps on your phone by itself; add any other bank from the list
  • Any currency, converted at the rate on the transaction date; a purchase reported by both push and SMS is recorded once
  • One-time codes and personal messages are dropped on the phone and never leave it
  • Screenshots of your bank history: pick the images — Monya reads them and offers what's missing
  • Account check: take a photo of your bank balance — Monya finds missed transactions and the difference
9:41●●● 100%
Today
Wise · now
Card payment €12.50 at CAFE CENTRAL, card *1234. Balance €327.50
↓
Cafe Central
Cafés · Wise · from notification
−12,50 €
Your bank · 2 min
Purchase $46.20, FRESH MARKET. Card *5521. Available $5,230
↓
Fresh Market
Groceries · Main card · from notification
−$46.20
Activity
Reports
+
Projects
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Budgets and tiles

See where you can still spend

The home screen shows accounts and categories as circles. Drag an account onto a category and enter the amount.

  • Each circle fills up as you spend: yellow after 80% of the budget, red when you go over
  • A budget is a monthly card: copy it to a quarter or a year with one tap
  • “Safe to spend today” — what's left per day until month end
  • Planned payments: rent, loan, salary — Monya reminds you, and you record them with one tap
9:41●●● 100%
October
Balance$8,412
Income$4,750
Expenses$2,069
Accounts
Main card
$5,230
Savings
$2,782
Cash
$400
Wise
340 €
Expenses
Groceries
$512
of $600
Cafés
$231
of $250
Transport
$118
Housing
$1,450
Fun
$86
of $80
Health
$45
Phone
$40
Home
$35
of $150
Activity
Reports
+
Projects
More
Reports

Where the money went — down to every purchase

Breakdown, yearly trends, plan vs actual, loans and account flows. Tap any number to see the transactions behind it.

  • Group by category, project and tag, filter by account
  • Weekly summary: what ran above usual and which payments are coming
  • 12-month trends and average income and spending
  • Loans: paid so far, what's left, next payment
9:41●●● 100%
Reports
BreakdownTrendsPlan vs actualLoansAccounts
$2,069spent
Groceries34%Cafés21%Transport15%Phone12%Fun10%
Groceries34%$512
Cafés and restaurants21%$290
Loansthis year
May
Jun
Jul
Aug
Sep
Oct
Paid $4,600 · left $15,900
Activity
Reports
+
Projects
More
Ask Monya

A personal money coach that knows your numbers

Ten ready-made questions — Monya looks at your income, spending, accounts, loans and goals and answers with real numbers.

  • Financial snapshot, a realistic budget, painless savings, a forecast to month end
  • Debt payoff plan, emergency fund, unneeded subscriptions, unusual spending, month in review
  • Like the budget? Tap “Save budget” and the month's limits are set
  • Add your own details: “I want a car in a year”
  • Monya sees a summary, not your statement — no card or phone numbers. Tap the “eye” to see exactly what it gets
9:41●●● 100%
Realistic budget
Where you are

On average you earn $4,750 and spend $3,570 — 25% stays. Cafés grew 30% in three months.

Limits for November
Groceries$600
Cafés and restaurants$250
Transport$150
Fun$100
Savings

Put aside $750 right after payday — a 3-month emergency fund by June.

Save budget
Activity
Reports
+
Projects
More
Goals

A dream with a date and a monthly amount

Set a goal — Monya works out progress, the monthly amount needed and the forecast from your accounts and transactions.

  • Save for a trip or a car — in any currency
  • An emergency fund for 3–12 months of spending, pay off a debt, spend less, earn more
  • Save a share of income and grow your net worth to a target
  • Financial freedom: passive income — rent, deposits, dividends — above your monthly spending
  • “On track” or “behind” — and when you'll get there at your pace
9:41●●● 100%
Goals
Italy holiday
Save for a goal
On track
1 800 € of 5 000 €36%
Need 320 € a month, you add 400 € — ready by May
6-month fund
Emergency fund
Behind
$10,600 of $21,40049%
The amount is calculated from your average spending
Financial freedom
Passive income above spending
In progress
$1,400 of $3,570 a month39%
Rent and deposits cover 39% of spending
Activity
Reports
+
Projects
More

Everything you need for your money

Monya grows with you: from logging a coffee to a family budget and net worth.

Family budget

Shared spending and accounts are visible to everyone, personal ones only to you. One subscription for the whole family.

Multiple currencies

Accounts in any currency in the world. Cross-currency transfers with the rate and the amount received.

Loans and debts

Who owes whom, payment schedule, balance. Got a loan in parts? The amount grows and the money lands in your account.

Projects

Renovation, holiday, wedding — a budget by stage and what's spent so far.

Freelance

Clients, hours and rate: what you received, spent and what you're still owed.

Net worth and passive income

Accounts, property, deposits, crypto and debts in one number. Returns on a flat or deposit tracked apart from your personal budget.

Put money to work

The key rate, your deposits and a hint on how much money sits idle in your accounts.

Subscriptions

Monya finds recurring payments by itself and shows what they cost per year.

Plans and reminders

One-off and recurring payments show up ahead in activity and reports, with a reminder on time.

Statement screenshots

Bring in history from any bank in minutes, no files or spreadsheets. Monya flags duplicates.

Widget

This month's spending and a mic button right on your home screen.

Export and import

Export transactions to a spreadsheet or bring them over from another app.

Money likes privacy

Monya never connects to your bank and doesn't know your passwords. And what you record is protected.

Pricing

For the first 14 days all Premium features are free — no subscription needed. After that the app stays free: track by hand and by voice on two accounts, set goals, view reports and keep budgets, with no time limit.

Free

0 ₽
forever
  • Unlimited manual entry
  • 10 Monya requests a month: voice, text and “Ask Monya” — any number of transactions per sentence
  • 2 accounts in any currency and transfers between them
  • Reports: breakdown, trends, plan vs actual, accounts
  • Monthly budgets, goals, planned payments, reminders
  • Categories, tags, subscriptions, widget
  • Everything you set up during the trial stays with you
−33% yearly

Monya Premium

1 990 ₽ a year
or 249 ₽ a month · one subscription for the whole family
  • Unlimited voice, text and “Ask Monya”, background dictation
  • Auto-entry from bank notifications and SMS, statement screenshots
  • Family, unlimited accounts, loans, projects, export

How to install

The install link will appear here as soon as the build is ready.

FAQ

Is my data safe?

Your phone recognizes speech itself; only the text goes to the server, with card and phone numbers stripped. SMS codes and personal messages are dropped on the phone. Data is kept on a secure server, and you can delete your account with all data in settings.

What does Monya see when it gives advice?

A summary: income and spending by month and main category, account balances, loans, budgets, subscriptions and goals. It never gets your transaction list, card or phone numbers. You can see exactly what is sent in the app — the “eye” button on the answer screen.

Do I need to give access to my bank?

No. Monya never connects to your bank or asks for passwords — it only reads the notifications and SMS your bank already sends to your phone. You can skip that entirely and use voice or manual entry.

My phone says “Restricted setting”

This is how Android 13+ protects apps installed outside a store. Open phone Settings → Apps → Monya → ⋮ → “Allow restricted settings”, then turn access on again.

What about iPhone?

Android only for now. An iPhone version is planned.

Which countries does it work in?

Any. Accounts in any currency, Monya understands bank notifications in different languages and totals everything in your main currency at the rate on the transaction date. The app speaks English, Russian and Thai, with more languages coming.

Try saying your first purchase

14 days of Premium free, no card

The Android build isn't ready yet. Please check back soon.