Monnei: Budget & Expenses

About Monnei: Budget & Expenses

Monnei is an AI-powered personal and group finance app that helps you track expenses, manage budgets, split bills, and organize contributions in one place.

Easily log expenses by typing, scanning receipts, or automating recurring transactions. Get instant spending insights, stay on budget, and understand where your money goes - without connecting your bank account.
Whether you're managing your own finances or handling money with family, friends, roommates, churches, or community groups, Monnei makes it simple to stay organized.

📷 SCAN RECEIPTS INSTANTLY
Take a photo and Monnei automatically reads, categorizes, and logs your expenses in seconds. No typing, no manual sorting.

📝 SMART EXPENSE TRACKING
Log expenses and income in seconds with a clean, fast interface. Organize spending across 8 built-in categories — Food, Transport, Bills, Savings, Shopping, Entertainment, Health, and Other — or create your own. No bank connection needed.

👥 SHARED GROUPS & SPLIT EXPENSES (NEW)
Create a group for your household, trip, or any shared budget. Split expenses evenly or by custom amounts, track who has paid and who still owes, and settle up - no more awkward math or messy spreadsheets.

🤖 AI EXPENSE CATEGORIZATION (Premium)
Type a quick note like "lunch with Sarah" and our AI suggests the right category instantly. Save time and keep your spending organized automatically.

📈 90-DAY CASH FLOW FORECAST (Premium)
See your projected balance weeks ahead based on your recurring bills and spending patterns. Know what's coming before it hits — and plan around it.

💳 DEBT PAYOFF PLANNER (Premium)
Add your debts and Monnei builds a personalized payoff plan using snowball or avalanche method. See exactly when you'll be debt-free and how much interest you'll save.

✨ SPENDING PERSONALITY PROFILE (Premium)
Discover your financial archetype based on your real habits. Get a personalized, shareable AI card that shows how you compare — and what to change.

💬 AI FINANCIAL ASSISTANT (Premium)
Ask questions like "How much did I spend on food this month?" or "Why am I overspending?" and get instant answers from your actual expense data. Your personal financial assistant, in your pocket.

🔁 RECURRING BILLS & SUBSCRIPTIONS
Track Netflix, Spotify, rent, utilities, and every other recurring bill in one place. Know exactly what your monthly commitments cost — and never miss a payment.

🎯 SAVINGS GOALS
Create savings targets and monitor your progress over time. Every cent tracked works harder toward what matters.

💼 ACCOUNTS & BALANCES
Track all your money across cash, bank, e-wallets, and cards in one view. See each account's balance, move money between them with transfers, and watch your real net worth update automatically - no bank login required.

🌍 MULTI-CURRENCY SUPPORT
Track expenses across 150+ currencies with live exchange rates. Switch your display currency anytime — ideal for travel and remote work.

🔒 PRIVATE BY DESIGN
No bank linking. No forced sign-up. Biometric app lock (Face ID, fingerprint), encrypted local storage, and zero third-party data sharing. Your financial data stays under your control.

★ PRIVACY YOU CAN TRUST ★

We never connect to your bank. We never sell your data. Your spending is encrypted on-device and protected with biometric authentication.