# Monivera: Expense Tracker — Automatic Budget Tracker > Automatic Budget Tracker (iPhone/iPad app by Joon Young Kim.) - Source: https://appshunter.io/ios/app/monivera-expense-tracker/id6788807126 (this page in markdown: same URL + `.md`) - Developer: [Joon Young Kim](https://appshunter.io/developer/6788807128) - Category: Finance - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 16.4 · 63 MB - Languages: American English, European Spanish - Released: 2026-07-20 - Data updated: 2026-10-20 ## What is Monivera? Monivera turns your bank's transaction emails and SMS notifications into a live budget. Logged automatically, categorized for you, and shared with your household. All your finances, one clear view. Logging is the reason budgets die, so we deleted it. Hook Monivera up to your bank's notifications once, and every card swipe logs itself before you have put your phone back in your pocket. No bank credentials. No typing. No spreadsheets. FEATURES • Automatic logging from your bank's email and SMS notifications • A live budget that categorizes itself • Bank notifications from different banks, all in one place • Shared household budgets for up to 10 people • 150 currencies, converted to your home currency automatically • AI rules to mark recurring merchants and transfers • Tags and search in any language Built out of necessity by a solo developer who wanted one app that showed every account at once. SUBSCRIPTION Monivera Pro is available as an auto-renewing subscription, billed monthly or yearly. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period, and your Apple Account is charged for renewal within 24 hours prior to the end of the current period. You can manage or cancel your subscription in your Apple Account settings after purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.monivera.app/privacy/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monivera Pro (Monthly) | $6.99 | per month | | Monivera Pro (Yearly) | $59.99 | per year | ## Is Monivera safe? Not enough ratings yet to assess Monivera. ## Is Monivera legit? Monivera: Expense Tracker has limited verification signals. The AppsHunter Legitimacy Score for Monivera is 50 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 1.6.0 — 2026-10-19 • A revamped UI, cleaner and faster to read at a glance. • Customizable widgets: arrange your home view your way. • Different views of your money: switch how you see your budget and your spending. ### 1.5.0 — 2026-10-14 NEW • 150 currencies: choose your home currency from 150 currencies (up from 31), and log transactions in any of them. They're converted into your home currency for you. • Open your Regular or Recurring ledger from the Budget card to see exactly which transactions make it up. • Mark recurring with your own rule: name a merchant as recurring in Settings → AI Rules. • Mark transfers with your own rule: name an account or keyword as a transfer in Settings → AI Rules. Transfers are saved without a category and don't count against your budget. • Tags in any language, including Korean, Japanese, and accented Latin letters. IMPROVED • Clearer Shortcut setup: Settings → Set up iOS Shortcut adds the Shortcut in one tap and walks you through picking your bank apps and turning it on. • Each category now shows its budget next to what you've spent. • Promotional and non-transactional notifications are quietly ignored instead of becoming entries. • Better dates on auto-logged texts: alerts with only a time or only a date land on the right day, in your own time zone. FIXED • Two identical purchases in a row are both logged instead of being treated as duplicates. • Your Monivera Pro status now stays accurate through renewals, expiries, and plan changes. • The Log Transaction step in the Shortcut now says it accepts any notification, message, or content. ### 1.4.0 — 2026-09-24 New - Log from a photo. Snap a receipt, screenshot a payment confirmation, or share an image straight from your Photos app, and Monivera reads it and drafts the transactions for you to review before saving. Works from the dock's + button, your photo library, or an iOS share sheet. - Categories that keep up with you. Start typing a merchant on Add Transaction and pause for a moment, and Monivera fills in the category automatically. Keep typing to change it, or leave your own pick alone. Improved - One card, the whole picture. The Budget tab now leads with a single summary of what you've spent against what you've budgeted, with your regular and recurring envelopes as mini bars underneath. - Tags on the ledger. Transaction tags now show right on the ledger line next to your note, so you can spot them at a glance without opening the transaction. Fixed - Currency conversion never gets stuck. A rare outage with our currency rate provider could hang a save for half a minute and quietly leave the amount unconverted. Conversions now race multiple sources and heal themselves automatically, so saving is never blocked and any leftover work finishes on its own. - Budget cycles roll over on time, everywhere. Accounts outside UTC could briefly see today's spending counted against yesterday's cycle (or vice versa) right at the boundary. The cycle now switches exactly at your local midnight. - Clearer over-budget messaging. Overspent categories now read "$X over" instead of a confusing negative amount left. ### 1.3.0 — 2026-09-03 New accounts now land in a step-by-step setup guide right after the AI consent screen, instead of an empty dashboard: pick your currency and budget cycle day, set a monthly budget, review your categories and optionally fund them, then a walkthrough of the live dashboard and Settings. It finishes by opening the setup docs for the iOS Shortcut, the fastest way to auto-log transactions from your bank's texts and emails. Replay it anytime from "Settings → Replay setup guide". ### 1.2.0 — 2026-08-28 Teach the AI your rules Your own categorization rules for AI capture, clearer errors from the Shortcut, and notifications that stay with the right account. New Your own AI rules. Head to Settings → AI Rules and tell Monivera how you categorize, in plain language: “Always categorize NTUC FairPrice as Groceries”, “Anything from Grab or Gojek is Transport”. Every new AI-captured transaction follows them, including the ones logged automatically from your bank’s email and SMS alerts. Use your exact category names, and remember that rules apply to new transactions rather than ones already logged. Improved AI capture that explains itself. When a transaction logged through the iOS Shortcut is rejected, the notification now tells you why instead of showing a bare “Server error”. Empty input is caught on the device before it ever leaves your phone. Faster fixes when something breaks. Monivera now records a small set of product events and crash reports, so problems surface to us without you having to report them. Fixed Push notifications now follow the account that is actually signed in on a device. If you had ever signed into a second account on the same phone, that account’s notifications could still land on it. --- *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 2026-10-20.*