# Monely: Money Manager — Budget & expenses on WhatsApp > AI-powered personal and couple finance manager with WhatsApp integration for easy expense tracking. (iPhone/iPad app by Charles Berti.) - Source: https://appshunter.io/ios/app/monely-money-manager/id6757703531 (this page in markdown: same URL + `.md`) - Developer: [Charles Berti](https://appshunter.io/developer/1868375701) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 12+ - Requires: iOS 15.0 · 63 MB - Languages: American English - Released: 2026-03-05 - Data updated: 2026-09-01 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/monely-money-manager/id6757703531/reviews.md ## What is Monely? Monely is the personal and couple finance app with artificial intelligence on WhatsApp. Track your day-to-day spending, manage your money, and stay on budget without the hassle. Log expenses by text, voice, or photo, without even opening the app. Zero ads on every plan. A complete money manager to truly take control of your finances, on your own or as a couple: income, expenses, accounts, credit cards, investments, and loans in one place. Monely combines simplicity and artificial intelligence to turn expense tracking into a habit that is easy to keep. - FINANCIAL ASSISTANT ON WHATSAPP Log spending by sending a text, a voice note, or a photo of a receipt over WhatsApp. The AI understands it, categorizes it automatically, and confirms the entry. Check balances, monthly summaries, upcoming payments, and available budget right inside the chat. - SMART RECEIPT OCR Snap a photo of any receipt or invoice. Monely pulls the amount, date, and description and suggests the category automatically. Works in the app or through WhatsApp. - VOICE LOGGING Say "I spent 80 dollars at the grocery store" and the app fills in everything. Fast expense tracking with no typing. - CARDS AND CREDIT LIMIT Keep tabs on statements, installments, closing dates, and due dates with automatic reminders. See on your home screen how much of your card limit you have used, how much is left, and whether you have gone over. - ALL OF YOUR ACCOUNTS Manage checking accounts, cards, cash, investments, and loans. Track who owes whom, with optional interest and installments, and see your net worth in one consolidated view. - PERSONAL AND COUPLE FINANCES Keep your personal finances separate from your shared ones. Split expenses with income-based proportional math or an equal split, record settlements between members, and follow each person's balance. Up to 4 people per group, perfect for couples and families. - PLANNING AND BUDGET Set budget goals and allocation targets across personal spending, shared spending, and investments. Track your progress over 3, 6, or 12 months and see needs versus wants. - AI INSIGHTS Get analysis of your spending habits, period-over-period comparisons, expense forecasts, and personalized alerts for your financial planning. - PLANNED PAYMENTS AND TRANSFERS Schedule recurring payments and transfers (daily, weekly, monthly, or yearly), including to or from accounts outside Monely. Get reminders and confirm or skip with a single tap. - CATEGORIES, SUBCATEGORIES, AND TAGS Organize every transaction with categories, subcategories, and color-coded tags. Filter, search, and analyze your spending with the level of detail you need. - A HOME SCREEN YOUR WAY Turn the home screen sections on or off and keep only what matters for your money in view. - GAMIFICATION AND MEDALS Usage and consistency challenges, a leaderboard, and a collection of medals to earn. Every entry adds points and keeps your streak going. - 100+ CURRENCIES AND 8 LANGUAGES Support for over 100 currencies with daily updated exchange rates. Available in Portuguese, English, Spanish, French, German, Indonesian, Turkish, and Hindi. - SECURITY AND PRIVACY Sign in with Google, Apple, or email, with biometrics. Hide amounts on screen with a single tap. Zero ads, and we do not sell your data. - DATA IMPORT Migrate from another finance app, a spreadsheet (CSV, XLS, XLSX), or a bank statement (OFX), without losing your history. - START FOR ZERO COST, NO ADS The free plan has no ads. The PRO plan unlocks the advanced features and all of the artificial intelligence. Start organizing your personal finances today and keep simple money tracking going on WhatsApp, with AI. Terms of Use (EULA): https://monely.app/en/terms.html Privacy Policy: https://monely.app/en/privacy.html ## Key features - AI-powered WhatsApp financial assistant - Smart receipt OCR scanning - Voice logging for expenses - Credit card and loan management - Personal and couple finance tracking - Budget planning and goal setting - Gamified challenges and medals ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | PRO Monthly | $9.99 | per month | | Family Monthly | $12.99 | per month | | PRO Annual | $79.99 | per year | | Family Annual | $99.99 | per year | ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/monely-money-manager/id6757703531/reviews.md ### 5/5 — Melhor de todos *2026-07-14* Esse é simplesmente o melhor de todos, e olha que eu ja passei por inúmeros apps, mas esse ganha de todos, aos criadores estão de parabéns eu uso e recomendo super. Conheci pelo CHATGPT ele que me indicou Vocês estão sendo indicados pelo chat!!! **Developer response:** Muito obrigado pela avaliação e pela recomendação! Ficamos muito felizes que, entre tantos apps que você já testou, tenha escolhido ficar com o Monely. Seguimos trabalhando para acompanhar você cada vez melhor no dia a dia. Conte sempre conosco! ### 5/5 — Ótimo *2026-06-06* O melhor app para controle financeiro que já vi, uso direto e não fico mais sem. **Developer response:** Muito obrigado pelo carinho, Marina! Ficamos muito felizes em saber que o Monely virou seu companheiro diário no controle financeiro. Conte sempre conosco! ### 5/5 — O melhor app de finanças para casal *2026-04-17* Eu e meu marido começamos a utilizar a algumas semanas e está nos ajudando bastante na organização das despesas de casa. Aplicativo é bem completo e bem fácil de usar, é muito difícil encontrar apps de finança para casais com tudo integrado como esse. **Developer response:** Muito obrigado pelo carinho! Ficamos muito felizes em saber que o Monely está ajudando você e seu marido a organizar as despesas de casa. Cuidar das finanças do casal de forma simples e integrada é exatamente o nosso objetivo. Conte sempre conosco! ### 3/5 — Problema de atualização *2026-03-06* O aplicativo está pedindo pra atualizar sendo que já está na última versão disponível **Developer response:** Olá! Pedimos desculpas pelo incômodo. Em alguns casos esse aviso aparece de forma indevida quando há uma nova versão sendo publicada. Normalmente, fechar e reabrir o app, ou reinstalá-lo, faz o aviso desaparecer. Se continuar, fale com a gente pelo WhatsApp que investigamos com prioridade. Obrigado pelo retorno! ## Frequently asked questions about Monely ### How does Monely use AI on WhatsApp? Monely integrates with WhatsApp to allow you to log expenses by sending text, voice notes, or receipt photos. The AI automatically understands, categorizes, and confirms these entries, simplifying tracking. ### What subscription plans does Monely offer? Monely offers PRO and Family plans on both monthly and annual subscription options. Monthly plans are $9.99 for PRO and $12.99 for Family, while annual plans are $79.99 for PRO and $99.99 for Family, all with a 7-day free trial. ### Can Monely be used for shared finances? Yes, Monely supports personal and couple finances, allowing up to 4 people per group. You can split expenses proportionally or equally and track individual balances. ### Does Monely have ads? No, Monely is ad-free on all plans, ensuring an uninterrupted user experience for managing your finances. ### What devices does Monely support? Monely is available on iPhone, iPad, and iPod, making it accessible across various Apple devices. ### How often is Monely updated? The app was last updated on June 27, 2026, with version 1.28.16, indicating regular maintenance and feature additions. ### What is the age rating for Monely? Monely has an age rating of 12+, making it suitable for teenagers and adults managing their finances. ### How does Monely handle planned payments? Monely allows you to schedule recurring payments and transfers on daily, weekly, monthly, or yearly intervals. You will receive reminders and can confirm or skip payments with a single tap. ## Version history (last 5 releases) ### 1.32.16 — 2026-08-19 - Undo a skipped occurrence Skipping an occurrence on Scheduled used to be final: skip one by mistake and there was no way back, leaving you to enter the amount by hand. The most recently skipped occurrence now offers an undo, and it returns to pending, ready to be confirmed. Like undoing a confirmation, it applies to the last resolved occurrence in the series, because reverting one from the middle would put the plan back on a date that has already passed. - Alert when a plan stops creating occurrences A plan can stay active and still stop generating its next occurrences. That used to go unnoticed, and you only found out when the payment never showed up. The plan screen now shows an alert in that case, with a Resume series button next to it that puts back the missing pending occurrence. When it cannot be restored on its own, for example if the account linked to the plan was deleted, the app says so instead of announcing a resume that did not happen. - Full plan history The list of occurrences now runs from the most recent to the oldest, with a button to load the earlier ones. On long plans the current pending occurrence fell outside the list and the plan looked stopped; it now appears right at the top, and the whole history stays within reach. - Scheduled menus in Voice Control The menus on the plan screen and on each occurrence all carried the same generic name, which made it impossible to say which one to open. Each now has its own name, matching the state of the occurrence: pending, confirmed or skipped. ### 1.32.15 — 2026-08-19 - Shortcuts open on the right section the first time On Home, the "View forecast" and "View all" buttons switch to the Scheduled screen and should stop at the matching section. Because that tab is only built once you reach it, the first tap arrived before the list existed and the jump was discarded: the screen opened at the top, and only a second tap, with the tab already loaded, took you to the right place. The request now waits for the screen to finish loading and is honoured on the very first tap. - Forecast always on a month that has one The balance forecast for your accounts only appears from the current month onwards. Tapping "View forecast" with the period sitting on a month that had already ended left no section to reach, so you ended up far from the top without what you came for. The period now returns to the current month along with the jump. And when no account belongs in the forecast, the screen stays where it is instead of stopping at an empty spot. - Account by account, with no total at the end On the Scheduled screen, the Accounts section shows today's balance and the balance projected for the end of the period, account by account. The list used to end with a combined total of all of them, and that number hid the very case that matters: an account that does not cover the period's scheduled entries goes unnoticed when the others keep the sum positive. When accounts used different currencies, the total also converted them into your main currency, creating a second net worth figure next to the one already shown on Home. The section now ends on the last account, and each row stays in its own currency. ### 1.32.10 — 2026-08-18 - Name initials with emoji On the screens that show a name initial in place of a photo (home, profile, referrals, shared groups, ranking and Family plan members), a name starting with an emoji or a flag made the screen stop drawing. The initial is now cut by the whole character, so composed emojis, flags and emojis with a skin tone appear in full and the screen opens normally. - Clear notice on large receipts When you attached a receipt above the accepted size, the app showed a generic error message without saying what to do. You now get the file too large notice, the same one used for the other size limits, making it clear that a smaller file is all it takes. - Saving right after picking a receipt When editing a record, picking the receipt and tapping Save before the upload finished could return an error, even with the receipt already stored. Both steps now share the same operation, so saving waits for the one already under way instead of starting another. ### 1.32.8 — 2026-08-12 - Transfers between different currencies When you transfer between accounts in different currencies, the app asks for both amounts: how much leaves the origin account and how much arrives in the destination account. It used to be possible to save with only the first one, and the destination account ended up receiving the same number that left the other, with no conversion. Now both balances are exact. This applies to entries you log right away and to planned payments. - Investment deposits In the deposit form, the amount field now uses the currency of the account the money leaves, which is the account being debited. When that account and the investment account use different currencies, a second field asks how much goes into the investment. Switching the source account keeps the amount you already typed, just rewritten in the new currency. - Deposits coming from outside Monely Money that reaches your investment account from outside the app adds to the total invested. It used to be read as a withdrawal and subtracted from the total. - Bigger charts on the home screen The four charts on the home screen (expense structure, expense type, period comparison and net worth) are now drawn straight onto the screen background, without the block around them. The plotting area gains the width the padding used to take, so bars, slices and lines come out larger. The date labels on the axis, which could run past the margin at the end of the line, now stop inside it: the left and right margins match. - Replies that reach you If you signed in with Apple's "Hide My Email", Apple gives you a forwarding address, and that address does not accept our replies. In practice, the message you sent from the contact screen went out and the reply never arrived. In that case the screen now asks for an email we can write to, and explains why. Entering the hidden address again is also refused, since it would run into the same problem. - Heads-up before clearing your data When you use "Clear my data" erasing your records while keeping your accounts, each account balance goes back to the initial balance you entered: today's balance is the sum of your records. The behaviour is the same as before, and it is what lets you import your records again and rebuild the balance, but now it is written on the screen before you confirm, alongside the other notices. - Details on demand On the Scheduled and Shared screens, the list of expenses by subcategory inside the Necessary and Desirable blocks now starts collapsed. The block leads with the summary (how much was spent, the percentage and how much is still available) and the full list opens when you tap "View details" at the top of the block. Tapping again closes it. ### 1.32.6 — 2026-08-11 - Clear my data You can now start over without deleting your account. In Settings, "Clear my data" opens a list of what will be erased, with the number of items of each type, and you uncheck anything you want to keep. Your login, your subscription, your WhatsApp number, your badges and your streak stay as they are. If you would rather keep a copy first, you can export your data without leaving the flow. - Balance forecast for your accounts The Planned screen now has an Accounts block showing, for each account, how much it holds today and how much it should hold by the end of the period once the payments and income you already planned are taken into account. There is a consolidated total as well. On the Home screen, the "View forecast" shortcut takes you straight to that block. - Search and filters in planned payments The planned list now has a search field for name, category or account, plus a filter by frequency (once, daily, weekly, monthly, yearly). A counter shows how many items are visible out of the total. - What your recurrences weigh A summary at the top of the list shows how much your planned payments add up to per month and the matching yearly estimate, along with the number of active recurrences included in the calculation. - Layout adjustments Amounts, section headers and the expense structure chart were adjusted to fit better on narrow screens and with enlarged font sizes. ## Apps similar to Monely | App | Rating | Price | Category | | --- | --- | --- | --- | | [MoneyMio - Finanças com IA](https://appshunter.io/ios/app/moneymio-financas-com-ia/id6480003303) | — | Free | Finance | | [Bankko - Budget Planner](https://appshunter.io/ios/app/bankko-budget-planner/id6743329206) | — | Free | Finance | | [WeFinance - Money together](https://appshunter.io/ios/app/wefinance-money-together/id6475587371) | — | Free | Finance | | [Couple Finance](https://appshunter.io/ios/app/couple-finance/id6756631261) | — | Free | Finance | | [Moni - Budget Planner](https://appshunter.io/ios/app/moni-budget-planner/id6738923491) | — | Free | Finance | | [dividi: Shared Expenses](https://appshunter.io/ios/app/dividi-shared-expenses/id6759269293) | — | Free | Finance | ## Related topics [traffy fondue manager](https://appshunter.io/ios/topics/traffy-fondue-manager) · [tagplus financeiro](https://appshunter.io/ios/topics/tagplus-financeiro) --- *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 2026-09-01.*