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.