MonAI – Personal Finance

MonAI 2.0 — the biggest release since the app exists. 25 new features, 44 improved, 38 fixed. YOUR SECURITIES, LIKE A TRADING APP Every stock, ETF or crypto has its own page, with a real market chart: 1D, 1W, 1M, 1Y, MAX. Real prices converted to euros at the exchange rate of their own time, and hours when the market is closed take no width. Drag your finger along the line and the big figure at the top follows the chart, with the date below it. On the page: position, return, quantity — tappable and rewritten right there — savings plan, ISIN, exchange and trading currency. TRANSFERS BETWEEN YOUR ACCOUNTS Moving €100 from your current account to savings is not an expense: the money changes pocket. It is now a neutral entry, a single row saying from where to where. Balances move, but the transfer disappears from budget, score, forecast and charts. Already entered the pair by hand? Long-press one of the two and the app finds the other and merges them. SPARE CHANGE Every expense rounds up to the next euro and the change goes aside, into another account: a €10.20 expense puts €0.80 away. There is a multiplier from x1 to x10, and that money does not vanish — it changes pocket, and you can see it. A MUCH SHARPER ASSISTANT It knows what a security is worth right now, how much you moved between your accounts, how your stock did this month. It understands dictated transfers, dates, follow-up questions. It logs several transactions from a single message. And it works without an AI key too: in that case everything happens on your phone, and nothing you type leaves it. REDRAWN FROM SCRATCH 51 new illustrations: every category has its own hand-drawn scene instead of a line icon. Every panel reorganised into groups, with categories as tiles and the date as “Today · Yesterday · Another date”. The balance card on Home now sits on your last 30 days. On launch you see the shape of the page instead of a frozen logo. MORE CATEGORIES From 23 to 28 categories and from 63 to 166 subcategories. Income had 3 in total: now there are 35 — payslip, bonuses, severance, refunds, rent received. THE END-OF-MONTH FORECAST, REBUILT It is wrong almost half as often. A one-off purchase is no longer mistaken for a pace, and the app learns from your past months WHEN you spend. It also says how sure it is — “likely between X and Y” — and your budget is on the chart as a reference. It is there even at the start of the month now. THE FINANCIAL SCORE, RECALIBRATED It no longer judges those who earn little: comparisons with national averages apply only to spending that is a choice, and ending the month even is no longer called “you spend more than you earn”. BANK STATEMENT IMPORT CSV, Excel or PDF: MonAI works out which bank the file is from on its own, and the transactions go through a review screen before they land. Plus dozens of fixes: panels that jumped while you typed, expenses landing in the future, crypto showing as zero, amounts rounded where there was room for the cents. All on your phone. No account, no servers of ours.