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Stop fighting with spreadsheets.
Just chat.
Moneko is the AI financial assistant that makes staying on top of money feel lightweight. Snap receipts, send voice notes, and manage "Pockets" without the manual work.
Built for everyday money tracking
Everything you need to master your money
Moneko combines powerful financial tools with the simplicity of a chat app.
WhatsApp Assistant
Update expenses via text, voice, image, PDF, or Excel. No app needed.
Food
$320
Travel
$150
Fun
$40
Bills
$380
Health
$20
Pockets System
Envelope budgeting designed for modern life. Give every dollar a job.
Household Mode
Manage joint finances without the headache. Switch between personal and shared views.
Can I buy a $2,000 laptop before Jan 2, 2026?
AI Insights
Ask "Can I buy X by Y date?" and get instant, data-backed answers.
4.8/5 App Store rating
See what our users are saying about Moneko
Strong AI analysis
The AI scenario planning is superb, he will analysis according to your pocket sizing and give you the best suggestion and planning for you. This really helped those who dont know proper financial planning. Strongly recommended!
Simple and easy to use
Really enjoy using this app so far. It makes tracking shared expenses simple and stress-free, and the AI features save a lot of time. The interface is clean and easy to use, and great for daily spending and splitting costs with friends.
Beta User to Live Access!!
I'm so excited since Moneko is live on AppStore now, Been using in Testflight. It's so easy to add Income/Expenses and even Family Sharing or Group Sharing, The best one is Add via WhatsApp Features!!
Really good budgeting app!
I try this app bcz of the cute cat icon and since it offers free trial, but I ended up staying bcz it's actually amazing!! The interface is super clean and simple, makes tracking my expenses super easy and it also offers some other features. Really recommend this app if you wanna manage your money with small amount of price!!
Web Android iOS app with WhatsApp integration !!!!
This is only budgeting app that has all And they all are well synced. Developers actually listened and updated. They added many of my requests into this app. It's group of developers working on this project and they all know what they are doing. Widgets are nice too. My roommates and I used the sharing expenses experience through this app and never had any problem with it.
Smart AI and integration
The processing speed of AI is incredibly fast and it was able to capture all the details, nice work
Download Moneko and join thousands of happy users
Capture Anything.
Instantly.
Moneko lives where you chat. No clunky forms to fill out. Just send a message, voice note, or photo on WhatsApp, and our AI handles the rest.
Text It
Just type 'Lunch $15'. We categorize it automatically.
Say It
On the go? Send a voice note. We transcribe and log it.
Snap It
Take a photo of a receipt. We extract every detail.
Simplicity in Motion.
Moneko replaces spreadsheets with a conversation.
Here's how you get control of your money in 4 steps.
Complete Control. Zero Lock-in.
We believe your financial data is yours alone. We don't sell it, and we make it easy for you to take it with you or destroy it completely.
Export to Excel
Download your full transaction history as .xlsx or .csv files instantly. Keep your own backups or run custom analysis in your favorite tools.
One-Click Wipe
If you decide to leave, you can delete your account and all associated data instantly. We keep no backups. When you say go, it's gone for good.
Why choose Moneko?
See how we stack up against the rest.
Common Questions
Everything you need to know about getting started with Moneko
What is Moneko?
Who is Moneko best for?
Can Moneko automatically track expenses?
Does Moneko work with Apple Wallet?
How does Android transaction sync work?
Can I manage my budget via WhatsApp or Telegram?
What makes Moneko different from YNAB?
How is Moneko different from Monarch Money?
Is Moneko good for couples or shared expenses?
How does AI expense capture work for receipts and voice notes?
Does Moneko support multiple currencies?
Is Moneko financial advice?
Ready to take control?
Join thousands of users who are building a healthier relationship with money. Download Moneko today.
Free to start. No credit card required.