Moniva vs Rilio

Managing your money shouldn't feel like a second job. Moniva is your AI-powered financial assistant that automates budgeting, tracks expenses, and manages your freelance income all without manual data entry. Just talk to Moniva, snap a picture of a receipt, or upload a screenshot of your subscriptions, and our smart AI does the rest. WHY CHOOSE MONIVA? • Start Instantly: No email, phone number, or credit card required to start. Try Guest Mode immediately and see the magic for yourself. • 7-Day Free Premium: Everyone gets their first 7 days of Premium automatically unlocked. AI FINANCIAL ASSISTANT & OCR • Chat with your money: Just type "I spent $45 on groceries and $15 on an Uber," and Moniva categorizes and logs it instantly. • Smart Receipt Scanner: Snap a photo of any receipt. Our AI reads the merchants, dates, and line-item amounts to build your budget automatically. SUBSCRIPTIONS & BILLS MANAGER • Find & Manage: Upload a screenshot of your Apple or bank statement. Moniva auto-detects over 50+ popular subscriptions (Netflix, Spotify, ChatGPT, Gyms) so you can see exactly where your money is draining. • Never Miss a Payment: Get smart push notifications before your bills are due. BUILT FOR FREELANCERS • Project & Client Tracking: Finally, an expense tracker built for independent workers. Track project fees versus amounts actually paid. • Auto-Log Income: When a project is marked completed, Moniva automatically logs the payment to your income. GLOBAL MULTI-CURRENCY • Live Exchange Rates: Traveling or working with international clients? Keep accounts in different currencies. Moniva fetches live exchange rates to give you one unified "Net Worth" dashboard in your preferred base currency. DEBT & CREDIT TRACKER • Keep perfect tabs on who owes you money (debtors) and who you owe (creditors). Moniva will remind you when it's time to collect or pay. Take control of your personal and freelance finances today with Moniva. Take control of your personal and freelance finances today with Moniva. Privacy Policy: https://appmoniva.vercel.app/privacy-policy Terms of Service: https://appmoniva.vercel.app/terms-of-service

Rilio logs your spending for you. Pay with Apple Pay and the expense is saved before you put your phone away, with the amount, merchant and category already filled in. Bank SMS alerts are picked up the same way. A notification on your Lock Screen confirms each one, and a single tap fixes anything you want to change. No bank login. No spreadsheets. No end-of-month catch-up. LOGGED AUTOMATICALLY • Apple Pay: every tap is logged the moment you pay • Bank SMS alerts from supported banks are read and saved for you • One payment, one transaction: a tap and its matching bank alert never double up • Refund alerts are matched to the original purchase • One-time setup with Apple Shortcuts, guided step by step in the app OR JUST SAY IT • Type or speak "12 for lunch at Chipotle" and AI fills in the amount, merchant and category • Double-tap the back of your iPhone to log an expense without opening the app • Import a bank statement PDF to bring in your past transactions KNOW WHERE YOUR MONEY GOES • Income, spending and savings rate for the month at a glance • A forecast of where the month will land • Daily spending, biggest purchases, top categories and weekend habits • Ask Rilio anything, like "How much did I spend on food this month?" • A monthly recap you can share STAY ON BUDGET • Set limits by category and see what's on track and what's close • Home Screen and Lock Screen widgets for this month's spending and budgets SPLIT WITH FRIENDS • Groups for trips, roommates and dinners, with invites by link • See who owes what and settle up in a tap YOUR DATA, YOUR CALL • Rilio never asks for your bank password • Only messages that match your payment keywords are sent to Rilio • Delete your account and data from Settings at any time SUBSCRIPTION Rilio requires a Rilio Pro subscription. New subscribers start with a free trial. Payment is charged to your Apple ID when you confirm the purchase. The subscription renews automatically unless you cancel at least 24 hours before the end of the current period. Manage or cancel it in your App Store account settings. Terms of Use: https://getrilio.com/terms Privacy Policy: https://getrilio.com/privacy