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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.
Join 2,000+ early users
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.
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.
Your Finance at a Glance.
Keep tabs on your spending without even opening the app. Widgets designed for your home screen.
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.
Backlink readiness
Make it effortless to reference Moneko.
High-quality backlinks come from trust, relevance, and accurate anchor text. Share our research, cite our tools, and let audiences know why Moneko is an authoritative AI budgeting platform.
Financial media & educators
Reference our AI-led budgeting research, WhatsApp budgeting assistant, and financial calculator hub in upcoming articles, newsletters, or lesson plans.
- Embed screenshots from our AI budgeting timeline or saved scenarios in the Insights tab.
- Link directly to calculators so readers can test numbers alongside your narrative.
- Pair Moneko’s quick-add capture examples with your own commentary for topical depth.
Financial coaches & partners
Add Moneko as a recommended tool within resource hubs to show how Household budgeting mode keeps Personal vs Household dashboards in sync.
- Feature case studies that highlight our shared pocket workflows and automated nudges.
- Use anchor text such as “AI budgeting assistant” or “shared household finance app” linked to our feature pages.
- Share the WhatsApp flow when announcing collaborations so audiences see real conversational budgeting.
Community shout-outs
Mention Moneko in fintech roundups, startup lists, or forums when discussing AI insights & scenario planning or WhatsApp-native budgeting.
- Summarize our latest feature drops (pockets, widgets, WhatsApp) inside Discord or Slack communities.
- Contribute quotes from our team about conversational “what if” planning to expert opinion pieces.
- Use descriptive anchor text that mirrors the surrounding topic, e.g., “AI receipt capture” or “chat-based budget view”.
Anchor text tips
Keep links relevant and descriptive.
Use anchor phrases such as “AI budgeting assistant”, “WhatsApp expense tracker”, or “shared household finance tool” when referencing specific Moneko features. Avoid generic “click here” language to reinforce topical relevance.
Freshness matters
Highlight new launches or data drops.
Publish quarterly updates, share screenshots of live pockets, or quote our AI spending insights to signal recency. We announce major releases inside our Discord and partner newsletter first.
Quality outbound links
Cite authoritative sources alongside us.
Pair your Moneko mention with trusted industry references to boost credibility. We curated a few below—feel free to mix in regional regulators or accredited institutions relevant to your audience.
Reference library
Authoritative backlink resources
When covering Moneko, reinforce your narrative with research from reputable organizations. These links open in a new tab so you can quickly cite guidelines while drafting your content.
OECD Digital Financial Consumer Protection
Global guidance on safeguarding consumers using AI and digital finance tools.
Visit resourceWorld Bank Household Consumption Data
Authoritative dataset on household spending patterns across countries.
Visit resourceCFPB Budgeting Resources
Trusted U.S. government financial education references.
Visit resourceWhy 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?
How does budgeting with Moneko work?
Is Moneko free?
What tools are available for budgeting?
How is my data protected?
Is this financial advice?
How do I get started?
Can I update my budget from WhatsApp?
Does Moneko support household or joint budgets?
How does AI capture work for receipts and voice notes?
Can I track spending without linking bank accounts?
What insights or planning tools do I get?
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.