Monavo vs Rilio

Type "coffee 15" and it's done. No forms. No menus. No setup. Monavo is the expense tracker built around one idea: logging a purchase should take less time than making it. You write what you bought in plain language — "lunch 12", "uber 34", "groceries 87" — and Monavo figures out the amount, the category, and the context. Tap once. It's tracked. The quick-add moment Most expense apps ask you to open a form, pick a category from a list, type an amount, write a note, and save. By the time you're done, you've forgotten why you opened the app. Monavo replaces all of that with one line of text. Write it the way you already think about it. Monavo reads it, categorizes it, and logs it. If it gets the category wrong, correct it once — it learns your patterns and stops guessing wrong. Everything you need, nothing you don't — Quick-add that reads plain language and learns from your corrections — Budgets by category with gentle alerts as you approach the limit — Daily insights that explain what's actually driving your spending — Recurring payments so subscriptions and bills stop slipping through — Multi-currency with live exchange rates, useful when you travel or get paid in a different currency — Partner mode: one shared budget on both your phones, one subscription — Sync across your own devices when you want it, and never when you don't — CSV import and export so your data is always yours to move — PIN and biometric lock for on-device protection — Six languages: English, Spanish, French, German, Portuguese, Romanian Made for two, when you want Money is rarely just one person's. Pair your phone with your partner's and you share one budget across both — whatever either of you logs shows up on both phones, in sync, so you see the whole picture instead of half of it. One subscription covers you both. Prefer to keep your spending to yourself? Don't pair, and Monavo stays a private, solo tracker. Built for people who stopped using their last expense app Most trackers fail for one of three reasons: they demand your bank login, they make logging a four-tap chore, or they bury the thing you actually want to know under charts you don't need. Monavo does none of those. There's no bank connection to set up, logging takes one line, and the home screen tells you what you're spending today, this week, and this month without you having to ask. Private by default Your spending data says a lot about you — where you eat, where you travel, what you're saving for, what you spend too much on. Monavo treats that data like it's yours. There's no bank linking, no credential sharing, no Plaid, no Open Banking. Your data lives on your phone by default. If you want it synced across devices, cloud sync is opt-in and encrypted. We never sell your data, and there are no ads anywhere in the app. Free, Pro, or one-time Start free — unlimited manual entry, full budget and insight features, and 100 AI quick-adds per month. Pro removes the AI cap and unlocks cloud sync — across your devices and your partner's — plus CSV export, available as a monthly or yearly subscription, or as a one-time lifetime purchase. One subscription covers both of you. The lifetime option is there because not everyone wants another subscription. A tracker that gets out of your way Open Monavo. Log what you spent. Close it. That's the whole loop. No achievements to unlock, no aspirational charts, no guilt notifications about coffee. The right expense tracker is the one you actually keep using — and you only keep using the one that doesn't slow you down. Start free. Type your first expense. You'll see the difference in seconds. Terms of Service: https://getmonavo.com/terms.html

Stop wondering where your money went. Rilio is the expense tracker that thinks for you. AI automatically categorises every purchase the moment you log it. No bank logins. No spreadsheets. Just clear answers about where your money is going. Full access to Rilio requires an active subscription. All features are available at subscription pricing, shown at app launch. LOG YOUR WAY 5 WAYS TO ADD A TRANSACTION Type it — "Spent 230 at Starbucks" and Rilio fills in the rest Say it — tap the mic, speak naturally, done hands-free in seconds Paste it — copy a bank SMS, and Rilio parses the amount, merchant, and account instantly Share it — forward any transaction SMS from your phone directly into Rilio Bulk import — paste multiple bank messages at once and import them all in one tap Every method auto-fills the merchant, amount, category, and payment method. You review, confirm, and move on. WHAT YOU GET AI auto-categorisation — type a merchant name, Rilio assigns the right category instantly Real-time budgets — set monthly limits per category and track live progress Deep analytics — top merchants, spending trends, weekday patterns, custom date ranges 165+ currencies — switch anytime, from INR to USD to AED to NGN and beyond AI Insights — plain-language summaries that explain your spending patterns every day HOW IT WORKS • Log a transaction in under 5 seconds: merchant, amount, done • AI categorises automatically — Swiggy becomes Food Delivery, Blinkit becomes Grocery Delivery • Set monthly budget limits per category — watch a live progress bar as you spend • Open Analytics for your 15-day or 30-day breakdown: categories, merchants, and trends • Track payment methods — know exactly which card or account each expense came from 59 CATEGORIES. EVERY KIND OF SPENDING. From Groceries to Gaming, Salary to Dividends, Rent to Healthcare, every transaction type is covered. Cash, credit, debit, or digital wallet. YOUR PRIVACY, PROTECTED Rilio never connects to your bank. No screen scraping. No credentials. AI categorisation uses only anonymised merchant names; your amounts and personal details stay private. SUBSCRIPTION REQUIRED All features in Rilio are available with a subscription. Subscription options and pricing are displayed when you first open the app. Payment is charged to your Apple ID account at confirmation. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your Apple ID account settings. Privacy Policy: https://getrilio.com/privacy Terms of Use (EULA): https://getrilio.com/terms