# Moni - Personal Finance — Manage your expenses easily

> Automated personal finance manager with secure bank integration and intelligent budgeting. (iPhone/iPad app by MARCELO TERREIRO PRADO CONSULTORIA EM TECNOLOGIA DA INFORMACAO LTDA.)

- Source: https://appshunter.io/ios/app/moni-personal-finance/id6462422147 (this page in markdown: same URL + `.md`)
- Developer: [MARCELO TERREIRO PRADO CONSULTORIA EM TECNOLOGIA DA INFORMACAO LTDA](https://appshunter.io/developer/720549213)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 3 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.4 · 45 MB
- Languages: English
- Released: 2023-12-15
- Data updated: 2026-06-10
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/moni-personal-finance/id6462422147/reviews.md

## What is Moni?

Welcome to Moni, a new way to manage your finances.

Moni was created to help you manage your spend. I believe the best way to save money is by first understanding where it's spent. After more than a year managing my finances via spreadsheets, I decided to rethink the problem from the ground up. I had to build a better product.

Moni has three fundamentals:

AUTOMATED AND REGULATED BY THE CENTRAL BANK
The first pillar is to automate the data ingestion process. Our users' time is precious, and I don't want them to waste it on manual tasks. Therefore, I built the app to be 100% integrated with Open Finance, a new technology from the Central Bank of Brazil that allows direct connection with the country's major banks.

The connections are regulated by the Central Bank and use the most advanced security standards in the market. With Moni, you can securely and automatically connect with over 20 banks. 

Moni requires an active subscription to connect to your bank accounts.

BUDGETS AND EXPENSE CONTROL
The second pillar of the product is "Budgets." Budgets act as a guide for how much you can spend per month in each category. One of the unique features of Moni is the intelligence of the product. We help you understand your average spending by category, and from there, define compatible budgets.

Moni requires an active subscription to track and manage your spend.

YOURS AND YOURS ALONE
"If the service is free, you are the product."

Finally, the third pillar of Moni is data privacy. Moni does not sell or share your data with third parties. I aim to offer a quality service, with privacy and aligned with your interests. The product is "bootstrapped," that is, created from scratch by me without venture capital funds. Making my customers happy is my only and utmost goal. For this reason, the product operates on a paid model, requiring an active subscription to access all its features. This ensures I can continue working and developing Moni over the years.

Remember the old saying: "There's no such thing as a free lunch."

Disclaimer: Moni requires an active subscription to use the app.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula

## Key features

- Automated bank account connection via Open Finance
- Secure data ingestion regulated by the Central Bank
- Intelligent budget creation based on average spending
- Expense tracking and management
- 100% data privacy, no third-party sharing
- Connects with over 20 banks

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Moni Pro Monthly | $6.99 | per month |
| Moni Pro Annual | $39.99 | per year |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/moni-personal-finance/id6462422147/reviews.md

### 5/5 — Melhor app para finanças pessoais

*2024-11-03*

Já usei diversos apps de finanças pessoais. Vários parecem interessantes no início mas, no dia-a-dia, terminam não atendendo por algum motivo. Quando descobri e comecei a usar o Moni, fiquei impressionado  como é um app fácil de usar e bem completo. Agora, finalmente, estou conseguindo usar um app que me atende inteiramente. 
Graficamente agradável. Intuitivo e muito fácil de usar. Sincroniza automaticamente com os bancos. Além disso, o suporte ao usuário é muito bom.
Recomendo fortemente!

### 5/5 — Melhor App pra organizar minha vida financeira

*2024-05-08*

Baixei esse app porque usava Copilot quando morava nos Estados Unidos e não consegui usá-lo no brasil. Achei o Moni aqui na App Store e não poderia estar mais feliz. Conectei com meus 3 bancos e consigo ver mtos insights sobre minha vida financeira. App extremamente bem feito e mto bonito. Assinei o plano anual e estou muito feliz!

**Developer response:** Oi Beto, fico muito feliz que esteja gostando! Sou fã do Copilot tbm, e sentia falta de um produto com este nível de qualidade no Brasil. É uma das minhas inspirações! Animado em ter você como cliente! Fique a vontade para mandar suas sugestões Abs, Marcelo

### 5/5 — Melhor app pra organizar seu $$$

*2023-12-21*

Estava precisando muito disso! A categorização funciona muito bem, estou bem mais organizado desde que comecei a usar!
Continuem assim!!!

**Developer response:** Muito obrigado pela avaliação! Fico contente em saber que o Moni está ajudando você a organizar suas finanças!

Abraços
Marcelo

## Frequently asked questions about Moni

### Does Moni have ads?

No, Moni does not contain advertisements. The app operates on a paid subscription model to ensure user privacy and continued development.

### What is the cost of Moni?

Moni offers a subscription-based model. Plans include Moni Pro Monthly at $6.99/P1M and Moni Pro Annual at $39.99/P1Y, both with a 7-day free trial.

### How secure is Moni's bank connection?

Moni uses Open Finance technology regulated by the Central Bank of Brazil, employing the most advanced security standards in the market for secure and automated data ingestion.

### Can I connect Moni to multiple banks?

Yes, Moni allows you to securely and automatically connect with over 20 major banks in Brazil.

### How does Moni help with budgeting?

Moni provides an intelligent budgeting feature that helps you understand your average spending per category and define compatible monthly budgets.

### What is Moni's update frequency?

Moni was last updated on October 28, 2024, indicating a commitment to regular improvements and maintenance.

### Is Moni available on all devices?

Moni is currently supported on iPhone and iPod devices, with a focus on the iOS platform.

### What is Moni's age rating?

Moni has an age rating of 4+, making it suitable for a wide range of users.

## Version history (last 5 releases)

### 1.0.7 — 2024-10-28

We addressed a bug in the rule builder to make it easier to build rules that match against a certain pattern.

### 1.0.6 — 2024-09-16

Bug fixes and performance improvements.

### 1.0.5 — 2024-09-11

Revamped the rule creation flow, allowing for an easier selection of the transaction name.

### 1.0.4 — 2024-03-21

I'm very excited to announce Moni's brand new Home screen, a place to gather key insights over your finances. Please, let me know what you think, and as always, keep the feedback flowing!

### 1.0.3 — 2024-01-30

This version adds two new improvements:

- Redesigned Transaction Details and Rule Editor screens to increase consistency and improve user experience.
- New transaction filter: you can now easily find all installments related to the same purchase.

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*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 2026-06-10.*