Monela
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New · Log a whole day by voice

Money,
quietly in order.

The calm expense tracker and budget planner for people who'd rather think about anything else. Add what you spend in seconds, plan budgets, and share expenses with your household.

Encrypted in transit No ads, ever No bank linking
On track
82% of budget
May · net
+$659.00
MAY 2026
Overview
SummarySpendingCalendar
Spent in May
$341.18
78% used12 days left
Income
$1,000
Net
+$659
Whole FoodsGroceries
−$78.00
UberTransport · airport
−$12.00
Rent · MayGarcia Household
−$850
The fast way

Just say it.
We'll sort it.

Hold the mic and rattle off your whole day — "groceries 78, uber 12, rent 850." Monela transcribes, splits, and categorizes each one. You just confirm.

1
Speak naturallyOne sentence, many expenses — no forms, no fields.
2
We categorizeSmart matching to the right category and the right ledger.
3
Review & saveGlance, adjust if needed, done. The whole day in seconds.
You said
"Whole foods seventy-eight, uber twelve from the airport, rent eight fifty"
Expense
Groceries
−$78
Expense · airport
Transportation
−$12
Expense · shared
Rent
−$850
The catch-up way

No time?
Import the lot.

Some months you just don't open the app. No guilt. When you're ready to catch up, export a statement from your bank and drop the file in — Monela reads the format on its own, untangles the debit and credit columns, and turns cryptic bank gibberish like POS 4412 WHOLEFDS LIS into clean, named, categorised transactions. Skim the preview, swipe away anything that isn't yours, import a whole season in one go.

Drop the fileCSV or Excel, straight from your bank. No connecting accounts, no third parties, no screen-scraping.
We read the formatColumns auto-mapped, debit and credit split out. Editable on the spot if we ever guess wrong.
Review & importTidy names and categories, sticky totals, swipe to remove. One tap to finish.
document.csv32 transactions detected
Format recognised
Date Description Debit Credit
POS 4412 WHOLEFDS LIS 0425  78,00
Whole FoodsGroceries
−$78.00
UBER *TRIP  HELP.UBER.CO  12,00
UberTransport
−$12.00
SEPA TRANSFER REF RENT MAY  850,00
Rent · MayHousing
−$850.00
Smart detect
Auto-mapped
Always
You review first
Beyond spending

Everything you own, in one quiet place.

Most apps stop at transactions. Monela tracks the whole picture — the car, the apartment, the drill in the garage, the projects, and what people still owe you.

Assets & maintenance

Track what you own and every cent it costs to keep. Purchase price, service history, mileage — all in one card.

active
My Car 1
2004 Golf VW · 64,210 mi
Total invested$3,718
active
Lisbon Apt.
Bairro Alto · 62 m²
Maintenance$1,240

Recurring & bills

Never get surprised. We surface what's due before it hits.

Internet · day 17$25
Spotify · day 22$11
Rent · paid$850

Projects, budgeted

Renovations, trips, the annual car spend — split into sub-projects, each with its own budget bar.

Tiling$1,640 / $1,800
Plumbing$900 / $1,500
Fixtures$300 / $800

Lending, remembered

Money and things you've lent out — who has them, when they're due, and a nudge to ask for them back.

Anna · concert tickets$120 · overdue
Sam · drill setitem · out
Dad · loan$300
On demand

A maintenance report,
ready when you are.

Every service, repair and cost you've logged against an asset, gathered into one clean record. Hand it to a buyer, send it to insurance, or just prove to yourself the old Golf was worth keeping.

My Car 1 · 2004 Golf VW64,210 mi · 12 entries since 2021
Report
03/26
Oil & filter serviceGaragem Central
$120
11/25
Front brake padsGaragem Central
$240
08/25
Annual inspection · IPOPassed · valid to 08/26
$95
04/25
New tyres · set of 4Continental EcoContact
$560
01/25
Battery replacementBosch S4
$140
Total invested
$3,718
Save report
Complete
Resale-ready
Export
PDF ready
Shared, not merged

A household ledger that respects your privacy.

Share rent, groceries, and bills with the people you live with. Every transaction has a scope — Personal stays private, group is split and visible to everyone. Your own spending is never exposed.

Create a family group
Garcia Household
2 of 2 members · since Jan
S P
Shared spending · May
$965.00
You$487 · 50%
Pedro$478 · 50%
Questions

Good to know.

Your data is stored on our servers and encrypted in transit, and it's only used to show you your own ledger. We never sell it, and there are no ads. Anonymous usage analytics are optional and stay off until you opt in. You can delete your account and all your data any time, right in the app.

Hold the mic and speak naturally — one sentence can contain many expenses. Monela transcribes what you said, splits it into separate transactions, and matches each to a category and ledger. You review the result and save with one tap.

Assets (cars, property, equipment) with full maintenance history, multi-stage projects with budgets, recurring bills, and lending — both money and physical items you've loaned to friends, with due dates and reminders.

Every transaction has a scope. Personal transactions stay in your private ledger; group transactions live in a shared ledger everyone in the household can see. The two never mix — your personal spending is never exposed to the group.

Monela is made for iPhone and is coming to the App Store soon. Join the waitlist and we'll tell you the moment it's ready.

Get your money
quietly in order.

Free, with no card and no ads. Log your first day by voice in under a minute.