MoneyNova: AI Expense Manager

MoneyNova — AI Expense Manager

Take control of your money. MoneyNova is the all-in-one personal finance app for tracking expenses and income, managing credit cards, planning budgets, and understanding exactly where your money goes — with the option to let AI do the typing for you.

EXPENSE & INCOME TRACKING
• Log income and expenses in seconds with categories, payment methods, accounts and notes
• Track balances across multiple accounts — cash, bank, wallet and more
• Create custom, colour-coded categories, or start with the built-in defaults
• Set up recurring entries for rent, subscriptions and salary so you never forget one
• A quick start tour on first open shows you exactly where to add entries.

CREDIT CARDS, MADE SIMPLE
• Track every credit card you own — network, last 4 digits, statement day, grace period and credit limit
• Log each month's bill and record payments (partial, minimum or full)
• Watch your annual-fee waiver progress update automatically as you spend
• Paste any bill SMS or email and MoneyNova fills in the amount, minimum due and due date for you

SMS AUTO-DETECT (Pro)
• Turn on SMS Auto-Detect and MoneyNova spots bank transactions (UPI, debit/credit card, transfers) and credit card bills straight from your texts
• Detected entries show up tagged "Auto Detected" for a one-tap approve or discard — nothing counts toward your totals or reports until you say so
• Strictly opt-in and Android-only: MoneyNova never requests SMS access unless you turn it on yourself

BUDGETS & REPORTS
• Set a monthly spending limit and get notified before you cross it
• Visual reports with Week/Month/Year views: income vs. expense charts, spending trends, category breakdowns and payment-method breakdowns

AI-POWERED CAPTURE (Pro)
• Snap a photo of a receipt and let on-device AI read the amount, merchant and date for you
• Just say it — log an expense by speaking, hands-free

BORROW & LEND, GROUPS, AND MORE (Pro)
• Track money you've borrowed or lent, per person, with running balances and settlement history
• Split shared trip or household expenses across a group and settle up easily
• Import and export your transactions as CSV, including bank statements

BUILT-IN EMI CALCULATOR
• Work out a loan's monthly EMI from the amount, interest rate, tenure and fees — no card or account required

BILLS
Track electricity, water, gas, WiFi, mobile recharge, DTH and every other household bill in one place — separate from your credit cards, which get their own dedicated tracking. Get reminded before a bill is due, and optionally auto-detect bills straight from your SMS inbox.

GROCERY LIST
Plan your weekly shop with quantities for everything you buy regularly. From the next week on, copy last week's list in a single tap instead of retyping it. Mark items off as you buy them and log what they actually cost, so your grocery spend stays accurate.

HABITS
Build consistent money-saving routines — skip eating out, track every expense, avoid impulse buys — and watch your streak grow. A gentle nudge keeps you on track if you're about to break one.

GOALS
Set a savings target — an emergency fund, a trip, a new phone — with an optional deadline. Log contributions as you save, and watch your progress fill in. Reminders keep you moving before a deadline and nudge you if you've gone quiet on a goal.

SECURITY & PRIVACY
• Lock the app with a PIN or biometrics (fingerprint/face)
• Your data syncs securely to the cloud, so it's there when you switch devices
• SMS Auto-Detect is strictly opt-in — MoneyNova never reads a text message unless you've turned the feature on and unlocked it

WHY MONEYNOVA
Beautifully designed, genuinely useful, and built to grow with you — from your very first logged expense to tracking every card, loan and shared trip in one place. Try it free, upgrade to Pro whenever you're ready for SMS Auto-Detect, AI capture, groups, borrow & lend and CSV import/export.

Download MoneyNova today and finally see the full picture of your money.