# MonAI – Personal Finance — Expenses, budgets, goals & AI > Expenses, budgets, goals & AI (iPhone/iPad app by Giovanni Caserta.) - Source: https://appshunter.io/ios/app/monai-personal-finance/id6789848889 (this page in markdown: same URL + `.md`) - Developer: [Giovanni Caserta](https://appshunter.io/developer/6789848891) - Category: Finance, Business - Price: Free - Age rating: 4+ - Requires: iOS 15.1 · 41 MB - Languages: American English, Italian - Released: 2026-07-14 - Data updated: 2026-08-12 - User reviews in markdown: https://appshunter.io/ios/app/monai-personal-finance/id6789848889/reviews.md ## What is MonAI? MonAI is the personal finance manager with built-in artificial intelligence: log an expense in one tap (or just say it out loud), and the app does the rest. STAY IN CONTROL • Multiple accounts, transactions, custom categories and subcategories • Recurring payments with reminders • Monthly budget and savings goals SEE WHERE YOUR MONEY GOES • Spending map and analysis by category • A coach with tips calculated on your own numbers • End-of-month forecast: how much you'll spend and the balance you'll end with, on a chart that updates with every transaction and learns from its own errors • A financial score that captures your money health YOUR POCKET ADVISER • Ask "can I afford a €500 purchase?" and get an answer based on your real data • Have it build savings plans, create transactions, budgets and goals just by writing in plain language • The assistant uses your free Google Gemini key: set it up in a minute with the built-in guide AND ALSO • Assets section to track investments and holdings (stocks, ETFs, crypto, metals, real estate) with recurring contribution plans • PDF import and clean exports • 10 theme families, light and dark • Backup and restore YOUR PRIVACY FIRST Your data stays on your phone: no account, no sign-up, no data collected by our servers. MONAI PLUS The advanced features (AI assistant, Assets section, financial score, PDF import and export, automatic backup, extra themes and customisations) are grouped under MonAI Plus and in this version are included for free for everyone. ## Version history (last 5 releases) ### 2.0.0 — 2026-08-10 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. ### 1.1.0 — 2026-07-26 What's new in version 1.1.0: • APP IN ENGLISH — MonAI is now fully bilingual: interface, AI assistant, in-app guide, notifications and financial score. Amounts, dates, voice dictation and the default categories all follow the language too. Change it in Settings → Language; on first launch it follows your phone. Privacy and Terms are available in English as well. • THE AI ASKS "WHAT FOR?" — if you only type an amount ("I spent 100 euros") it no longer invents a generic name: it asks, and uses your reply as the transaction name. If the sentence already has a clue ("fuel 50") it logs the expense right away, as before. • Removed the empty gap that remained between the keyboard and the chat input bar. ### 1.0.3 — 2026-07-22 • L'assistente IA impara dalle tue correzioni di categoria e le riusa (memoria solo sul telefono, disattivabile). • La chat IA funziona anche senza conti: può crearne uno insieme ai primi movimenti. • Le cifre che ti dice la chat (speso del mese, budget, saldo) ora sono sempre esatte, calcolate dall'app. • Modalità IA senza chiave molto più precisa (riconosce entrate, regali, depositi e tante parole in più). • Calendario di Analisi interattivo: tocca un giorno e vedi spese ed entrate di quella data. • Punteggio finanziario e coach più chiari. • Guida per collegare l'IA rifatta con schermate reali, a schede scorrevoli; spiega anche il blocco "Regioni disponibili" di Google (verifica età). • Onboarding più semplice: la schermata finale ora chiede solo il tuo nome. • Varie correzioni: niente più movimento doppio quando correggi il tipo, limiti Gemini Flash-Lite corretti e altri ritocchi. ### 1.0.2 — 2026-07-19 Novità della versione 1.0.2: • Backup: il file JSON esportato ora si può reimportare da "Scegli file" e ripristina tutto — conti, categorie, movimenti, investimenti, budget, ricorrenti e obiettivi • Import da CSV/Excel/PDF: se hai più conti, ora scegli tu su quale aggiungere i movimenti • L'assistente IA compila anche la sottocategoria (es. "pizza" → Ristorante · Pizzeria) e rispetta le categorie che hai rinominato o creato tu • Nuova sezione "Novità" nelle impostazioni, con la storia degli aggiornamenti ### 1.0.1 — 2026-07-19 Questo aggiornamento risolve alcuni problemi segnalati dai primi utenti: • Assistente IA: piena compatibilità con le nuove chiavi API di Google Gemini • Analisi: il calendario delle spese ora mostra correttamente anche i mesi passati • Corretto il selettore della data che appariva chiaro nei temi scuri Grazie a chi ci ha scritto! Se MonAI ti è utile, una recensione ci aiuta a crescere. ## Related topics [monai](https://appshunter.io/ios/topics/monai) · [cowrie modern finance](https://appshunter.io/ios/topics/cowrie-modern-finance) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-12.*