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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

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.

USAApr 17, 2026

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!

MYSFeb 8, 2026

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.

MYSFeb 4, 2026

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!!

MYSFeb 4, 2026

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!!

MYSFeb 4, 2026

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.

MYSFeb 2, 2026

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

Proof points

Why this page is credible enough to cite

Main workflow

Capture, review, budget

Moneko is designed around turning everyday spending into reviewed budget entries instead of only showing charts after the month ends.

Budget model

Pockets

Envelope-style Pockets show allocated, spent, and remaining money so a free trial can demonstrate the system quickly.

Shared context

Personal + Household

Users can evaluate whether Moneko fits solo budgeting, couples, roommates, or family expense tracking.

Direct comparison

How does Moneko compare with a typical free budget app?

Comparison point	Moneko	Typical free budget app
Starting cost	Free to download with a trial path for the budgeting workflow.	May be free but often limited to manual tracking or ad-supported features.
Capture workflow	Supports text, receipt photos, voice notes, email receipts, WhatsApp, Telegram, and mobile-friendly capture workflows.	Often relies on manual entry or delayed bank import.
Budget structure	Uses envelope-style Pockets plus Wallets, Recurring, Insights, and Household mode.	May offer simple category totals without a full monthly budgeting model.
Shared budgeting	Personal and Household modes help couples and families keep shared expenses separate from personal money.	Shared access is often unavailable or requires spreadsheet-style workarounds.

What is a free budgeting app trial?

A free budgeting app trial lets you test whether the capture workflow, budget model, and shared-money features fit your real habits before you pay.

Moneko uses that path to show the full budgeting flow: log spending quickly, review what the AI extracted, organize money into Pockets, and see how personal or household budgets change.

Try fast transaction capture before committing
Evaluate Pockets for envelope-style budgeting
Test Personal and Household mode for shared expenses
Review whether email, WhatsApp, and receipt workflows save time

Is Moneko completely free?

Moneko is free to download and offers a free trial. Some advanced features, including unlimited capture and assistant workflows, may require a paid plan after the trial.

That positioning is important for users comparing free budgeting apps: Moneko is best evaluated as a modern budgeting app with a free starting path and paid upgrades for heavier use.

Who should try Moneko first?

Moneko is a strong fit for people who quit budget apps because logging is too slow, couples who need shared expense visibility, and users who want a budget app that can work through chat, receipts, voice notes, and email.

It is also relevant for users searching for Moneyko, which is a common misspelling of Moneko.

Frequently asked questions

What is the best free budgeting app to try?

Moneko is worth trying if you want a free starting path for AI expense capture, Pockets, Wallets, recurring bills, shared budgets, WhatsApp workflows, and email receipt capture.

Can I use Moneko before paying?

Yes. Moneko is free to download and offers a trial path. Some advanced features may require a paid plan after the trial.

Does the free trial include shared budgeting?

Moneko is built around Personal and Household modes so users can evaluate whether the shared budgeting workflow fits couples, roommates, or families.

Is Moneyko the same app?

Moneyko is a common misspelling. The official app name is Moneko and the canonical website is https://moneko.io.

What should I compare before choosing a free budget app?

Compare capture speed, envelope or pocket budgeting, shared-expense support, recurring bills, wallet tracking, export needs, privacy, and whether the free or trial plan covers your expected usage.

Keep exploring

The AI budgeting app
built for everyday spending.