Moneko
Moneko
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The AI budgeting app
built for everyday spending.

Track expenses from WhatsApp, receipts, voice notes, and mobile alerts. Organize money into Pockets, split shared costs, and ask Moneko what changed before the month gets away from you.

Download on the
App Store
GET IT ON
Google Play

Built for chat-based expense tracking

A smarter way to track every expense

Add expenses by chat, follow your spending in real time, and get a clearer view of where your money goes—without the friction of traditional budgeting apps.

Log Expenses on WhatsApp

Track Spending in Chat

Auto-Track Apple Pay

Split Expenses Instantly

Envelope Budgeting

Sync Bank Transactions

Import Data in Seconds

Multi-Currency Support

Budget daily spending and shared money with AI

Moneko combines chat-based expense capture, envelope budgeting, and household workflows in one personal finance app.

WhatsApp Assistant

Log expenses from WhatsApp with text, voice notes, receipt photos, PDFs, or spreadsheets.

Food

$320

Travel

$150

Fun

$40

Bills

$380

Health

$20

Pockets System

Use envelope-style Pockets to plan spending before money leaves your account.

Household Mode

Separate personal spending from shared bills, rent, groceries, and partner reimbursements.

Can I buy a $2,000 laptop before Jan 2, 2026?

AI Insights

Ask "Can I buy this?" and get answers based on your budget, pockets, and goals.

Product summary

What does Moneko do?

Moneko is an AI budgeting app for fast transaction capture, envelope-style Pockets, personal and household finances, net worth tracking, recurring bills, and WhatsApp-based money updates.

Published 2026-03-19. Updated 2026-04-19 by Moneko Product Team, Builders of Moneko's budgeting, wallet, household, and WhatsApp assistant workflows.

What does the Moneko Overview show?

The Moneko Overview shows spending, cashflow, charts, recent activity, currency controls, and fast AI transaction capture in one home hub.

Overview is designed for the daily check-in: see what changed, switch between Personal and Household mode, change currency, and start quick-add when you need to log something.

  • Spending summary and net cashflow cards
  • Recent activity and chart previews
  • Personal or Household mode switching

How does Moneko handle recurring bills and income?

Moneko tracks recurring expenses and income so predictable rent, subscriptions, utilities, salary, and stipends do not need to be re-entered every month.

Recurring items support monthly planning, calendar views, and forecasting because fixed bills and income become part of the budget baseline.

  • Rent
  • Subscriptions
  • Utilities
  • Salary

What are Moneko Pockets?

Moneko Pockets are envelope-style budget containers that show how much is allocated, spent, and left for categories like groceries, eating out, transport, fun, and bills.

A monthly budget can be split into pockets, copied from last month, adjusted during the month, and connected to category mapping for uncategorized spending.

  • Groceries
  • Transport
  • Eating out
  • Bills

What does Moneko Wallets track?

Moneko Wallets tracks accounts, balances, goals, transfers, income, spending, and net worth history across manual wallets and connected bank accounts where supported.

Wallets is the net worth view. It can show assets minus liabilities, account stacks, wallet goals, month-by-month history, and transfers between accounts.

  • Checking
  • Savings
  • Credit cards
  • Joint accounts

What does Moneko Insights answer?

Moneko Insights answers what is happening now and what could happen next through running balance views, spending trends, and AI scenario planning.

Scenario planning lets you ask plain-language questions with a target date, then save useful answers for later review.

  • Can I buy this by a date?
  • What changed this month?
  • Am I over budget?

What can the Moneko WhatsApp assistant do?

The Moneko WhatsApp assistant can add transactions, read receipt photos, process voice notes, answer spending summaries, manage pockets, and send chart links or quick-reply buttons.

WhatsApp support mirrors the core app workflow for people who want to budget from chat instead of opening the app for every update.

  • Spent 12 on lunch
  • Show today's spending
  • How are my pockets doing?

How can you add transactions in Moneko?

Moneko supports multiple capture methods so budgeting does not depend on perfect manual entry.

  1. 1

    Typed message

    Type a short note such as "Coffee 4.50" and Moneko extracts amount, merchant, category, date, and expense or income direction.

  2. 2

    Receipt photo

    Snap or send a receipt image and Moneko extracts the usable transaction details before you confirm what should be saved.

  3. 3

    Voice note

    Record a spoken expense or income update and Moneko turns it into a reviewable transaction draft.

  4. 4

    Files and chat

    Attach supported files or use WhatsApp to log spending, request summaries, update pockets, and keep shared budgets current.

How does Moneko compare with traditional budgeting apps?

User needMonekoTraditional apps
Getting transactions inFast capture through text, receipt photos, voice notes, files, mobile alerts, and WhatsApp.Often depends on manual entry, delayed bank import, or dashboard-first review.
Budget structureEnvelope-style Pockets connect daily spending to the monthly plan.Envelope budgeting may be strong, but the setup and maintenance can feel heavier.
Personal and household moneyPersonal and Household modes keep solo spending separate from shared budgets and costs.Shared access varies and often works as one shared workspace rather than mode-based context.
Scenario planningAI Insights answer plain-language what-if questions and can save scenarios.Planning is usually calculator-based, report-based, or manually modeled.
Chat channelWhatsApp can log expenses, answer totals, update pockets, and send quick-reply choices.Messaging-app budgeting is usually not part of the main product workflow.
4.8/5 rating

4.8/5 App Store rating

76+public store reviews tracked

Real App Store feedback from people using Moneko for AI expense tracking, shared budgets, and WhatsApp capture.

iamnoman21★★★★★

Switched from Spendee. This Is Way Better.

I used to use Spendee for the last 2 years, but not anymore. Moneko is honestly the best app I've tried so far. The best part for me is the voice logging and Siri Shortcuts assistant, it makes adding expenses so quick and effortless. The app is simple, smooth, and very easy to use. Highly recommended. Big thanks to the developer for creating such an amazing and useful app. Please keep it always updated and improving.

USA
Sameulchee★★★★★

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!

MYS
Sarah SNi★★★★★

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.

MYS
Dato Wafiy Aziz★★★★★

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!!

MYS
MilMayr★★★★★

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!!

MYS
AcE★★★★★

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.

MYS

Download Moneko and see why reviewers mention AI capture, shared expenses, and WhatsApp budgeting.

Capture expenses in chat.
Review before saving.

Moneko lives where you already talk about money. Send a message, voice note, or receipt photo on WhatsApp, then confirm the amount, merchant, and category before it updates your budget.

Text an expense

Type 'Lunch $15' and Moneko suggests the category.

Send a voice note

On the go? Moneko transcribes the note and prepares the entry.

Scan a receipt

Take a receipt photo and review the extracted details.

M
Moneko AI
online
Today
Lunch with client $45.5010:30 AM
Expense Logged
Amount: $45.50Category: Dining OutType: Business
Logged "Lunch with client". Enjoy your meal! 🍔10:30 AM
+
Message

How Moneko turns messages into a working budget

Start with a personal, couple, or household budget. Then capture spending, update Pockets, and ask what your money can support next.

Step 01

Choose Your Mode

Start solo, invite a partner, or create a household space for shared bills and groceries.

Solo
Couple
Family
Step 02

Fill Your Pockets

Allocate income to rent, food, savings, and flexible spending before the month begins.

🏠
✈️
🎮
Step 03

Chat to Track

Text an expense, send a receipt, or record a voice note from WhatsApp when spending happens.

Groceries $65.20 at Whole Foods 🍎
Logged to Groceries
Budget remaining: $134.80
Step 04

Get Answers

Ask whether a goal or purchase fits your budget and get an answer grounded in your entries.

AI
Moneko Insights
🤖Based on your savings rate, you can afford Japan in 4 months.
Savings Rate+12% 📈
Your Data, Your Rules

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.

Moneko vs traditional budgeting apps

Moneko is built around chat-based capture, Pockets, and household workflows.

M
Moneko
Capture without bank sync
AI quick-add via text, photo, voice notes, files, or WhatsApp review
YNABManual entry, direct import, or file import when banks don’t sync
WhatsApp budgeting assistant
YNAB
Personal vs household views
One-tap Personal / Household modes with shared widgets & notifications
YNABShare a single budget via YNAB Together (manual coordination)
Chat-based "What if?" planning
Ask natural-language scenarios in app or WhatsApp and store answers
YNABLoan calculator + manual targets (no conversational planner)
Frequently Asked Questions

Budgeting app questions, answered

Quick answers about tracking expenses, shared budgets, and getting started with Moneko.

What is Moneko?

What are the main sections in Moneko?

Who is Moneko best for?

Can Moneko automatically track expenses?

What are Moneko Pockets?

What does Moneko Wallets track?

How does Moneko handle recurring bills and income?

What can Moneko Insights answer?

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?

Build your budget where spending happens

Download Moneko to track expenses from chat, organize Pockets, and keep shared budgets current without spreadsheet cleanup.

Download on the
App Store
GET IT ON
Google Play

Free to start. No credit card required.