What payment methods do you accept?

We accept major credit cards. Payments are processed through Stripe.

Is my financial data secure?

We use encrypted connections and follow least-privilege access patterns. For details on how we handle information, see our Privacy Policy or contact hello@moneko.io.

What is your cancellation and refund policy?

You can cancel anytime from account settings. For billing questions (including refunds), contact hello@moneko.io and we'll help based on your payment details.

What does the AI help with in Moneko?

Moneko supports faster capture (text, receipt photos, voice notes where available), smarter categorization workflows, and scenario-style insights ('what if' planning) to help you understand spending patterns and make informed budgeting decisions.

Do you offer discounts?

Discounts may be offered during limited-time promotions. Join our Discord or contact hello@moneko.io for current options.

Moneko

30-day money-back guarantee

One simple app.
Master your money.

Name: Moneko - AI Budgeting App
Brand: Moneko
Availability: InStock
Rating: 4.8 (92 reviews)

Stop manually tracking every penny in spreadsheets. Moneko automates the heavy lifting with AI, giving you the intentionality of zero-based budgeting.

Free

$0.00

Free forever

AI expense capture (Text, Photo, Voice)
Up to 2 Spaces
Up to 2 Wallets
Standard Support

Plus

$6.67/ Month

Billed annually at $79.99

Cancel Anytime

Unlimited AI expense capture
Unlimited Spaces & Wallets
WhatsApp + Telegram tracking
Email receipt import
Health report details & AI scenarios
Bank Sync (US & Canada)
Multi-currency & live rates
App Lock
Priority support

Lifetime

$149.99/ One-time

Pay once, yours forever

One-time payment, no subscriptions

Unlimited AI expense capture
Unlimited Spaces & Wallets
WhatsApp + Telegram tracking
Email receipt import
Health report details & AI scenarios
Bank Sync (US & Canada)
Multi-currency & live rates
App Lock
Priority support

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.

CANFeb 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.

Plus Features

Everything we currently offer is included in Plus.

Can I afford a new car next month?

Based on your pockets, you can afford a $400/mo payment if we reallocate the 'Dining Out' pocket.

Proactive AI Coaching

Dual-persona AI runs scenario planning based on your life.

Household Sync

Manage pockets together.

Coffee 4.50Logged to "Dining" pocket

Instant Capture

Forward receipts or use WhatsApp.

Pricing & Billing FAQ

Yes. You can switch between monthly and yearly Plus billing from your account settings. Billing dates are handled by Stripe based on your current subscription.

Still have questions?

We're here to help you make the best decision for your financial future.

Contact Support Team

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One simple app. Master your money.