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

Try the app behind these budgeting workflows

See how Moneko turns mobile spending, WhatsApp messages, receipt scans, and shared budgets into a clearer plan.

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.

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.

Proof points

Why this page is credible enough to cite

Forwarding address

[email protected]

Moneko provides a dedicated inbound address for approved receipt senders.

Attachment support

PDF, CSV, XLS, XLSX

Email receipt capture supports common receipt and spreadsheet formats mentioned in the product workflow.

Account control

Approved senders

Users decide which email addresses can forward receipts into their budget.

Direct comparison

How does email-based budgeting compare with manual logging?

Comparison pointMonekoManual receipt logging
Input methodForward receipt emails and supported file attachments from approved sender addresses.Open each receipt, copy merchant, date, amount, category, and wallet by hand.
Security controlOnly approved sender email addresses can submit receipts for processing.Manual workflows rely on the user remembering every purchase.
RoutingCaptured receipts use the default space and wallet chosen in Profile Settings.Users must manually choose the budget, category, and account every time.
Best use casesOnline purchases, subscriptions, travel bookings, digital invoices, and spreadsheet attachments.Occasional one-off receipts where manual entry is acceptable.

What is email-based budgeting?

Email-based budgeting is the practice of forwarding purchase receipts, invoices, and supported attachments to a budgeting app so the transaction can be extracted without typing every detail manually.

Moneko supports this workflow through email receipt capture. Users enable the feature, choose a default personal or household space and wallet, approve sender addresses, and forward receipt emails to [email protected].

  • Forward online receipts from approved senders
  • Process PDF, CSV, XLS, and XLSX attachments
  • Route expenses to a default space and wallet
  • Receive confirmation when processing is complete

How does Moneko process receipt emails?

Moneko extracts useful transaction details such as merchant, amount, date, and context, saves the expense to the chosen space and wallet, then sends a confirmation email and phone notification when processing is complete.

The user can still review and edit the transaction later if the receipt belongs in a different wallet, budget, or category.

Who is email receipt capture best for?

Email receipt capture is useful for people who shop online, manage subscriptions, book travel, receive digital invoices, or share household purchases that should be captured before they disappear in an inbox.

It is also useful for couples and families because forwarded receipts can route to a Household space instead of mixing shared and personal spending.

Frequently asked questions

What is an email-based budgeting app?

An email-based budgeting app lets users forward receipt emails or supported attachments so purchase details can be extracted and saved to a budget.

What email address do I use for Moneko receipts?

Users forward receipts to [email protected] from approved sender addresses.

Which attachment types does Moneko support?

Moneko supports PDF, CSV, XLS, and XLSX attachments for email receipt capture.

Can email receipts go into a household budget?

Yes. Users choose the default personal or household space and wallet for captured receipt expenses.

How does Moneko prevent random emails from creating expenses?

Moneko processes receipts only from approved sender email addresses.

Keep exploring

Budgeting app 2026

See how email capture fits into the modern Moneko workflow.

AI budgeting app

Learn how Moneko uses AI for expense capture and planning.

WhatsApp budgeting

Compare email receipt capture with chat-based budgeting.

Download

Get Moneko for iPhone or Android.