Reports you’ll actually read
Spending by category, cashflow month over month, your top merchants — and any of it exports to CSV or PDF.
25,000+ happy users
Money tracking you’ll actually enjoy.
Snap a receipt. Speak naturally. AI does the rest.
- Free forever
- 50 AI captures / month
- No card required
“Coffee with Sarah”
- Receipt captured
- AI reading…
- Merchant detectedStarbucks
- CategoryFood & Drinks
- Amount$5.48
- Added to your expenses
- 25,000+
- Happy users
- 200,000+
- Receipts scanned
- $12M+
- Tracked this month
- 4.9 / 5
- From 3,200+ reviews
Works everywhere you neediOSAndroidWeb AppTelegram BotExport to PDF
Three steps. About three seconds.
The tedious part is automated; the final say is always yours.
Capture it
Snap the receipt, say it out loud, or forward it to the Telegram bot — whatever is closest to your thumb.
moniya drafts
Merchant, amount, category, currency — every field filled in, from any language on the receipt.
You approve
One tap and it posts to your ledger. Until then it's only a draft — nothing counts without you.
Everything a money buddy should do.
Real features, not filler — the same ledger, budgets, and reports on every device you own.
Say it out loud
A voice memo becomes a drafted transaction — merchant, amount, category, done.
“coffee with Sara, four fifty” → drafted
Two currencies, one truth
18 currencies with a display toggle, and every rate frozen at spend time so history never drifts.
$8.26 ¥1,240rate frozen
Budgets that behave
Monthly envelopes for the categories you actually overspend, with a bar you can read at a glance.
Goals worth saving for
Name it, fund it, watch the ring close — the piggy bank does the cheering.
Bills that remind you
Put rent, the gym, and every subscription on repeat — moniya keeps the schedule so you don't have to.
Net worth, growing
Accounts and assets rolled into one line that — with a little care — points up.
Text it to the bot
Forward a receipt on Telegram; the draft is waiting the next time you open the app.
Nothing posts without you.
Every capture — scanned, spoken, or forwarded — lands as a draft on a review screen. You glance, you tap, it posts. AI does the typing; you keep the authority.
- The original receipt stays attached to its transaction
- Works in any country, with any bank — no bank logins, ever
- Your whole ledger exports to CSV whenever you want it
Review draft · 1 of 2
NEEDS APPROVALLawson · Shibuya
receipt-0412.jpg · Japanese
- Amount
- ¥1,240 ≈ $8.26
- Category
- Groceries
- Rate
- frozen · 150.12 JPY/USD
Same ledger, same numbers — everywhere.
One buddy, every pocket.
Capture happens standing in a checkout line; review happens on the couch. moniya is one app across web, iPhone, Android, macOS, Windows, and Telegram — always in sync.
Web
Any browser — nothing to install
iPhone
Installs to your home screen
Android
Same app, in your pocket
macOS
Install straight from Safari
Windows
Install straight from your browser
Telegram
Forward a receipt to the bot
Tracking is free. Forever.
The ledger, budgets, goals, and reports cost nothing — and every month includes 50 AI captures. Pro removes the ceiling.
Free
Everything you need to track.
- Unlimited accounts and transactions
- Budgets, saving goals, and recurring bills
- Multi-currency with frozen at-the-time rates
- Reports, net worth, and CSV export
- 50 AI captures a month — scan or voice
ProUNLIMITED AI
For people who never want to type again.
- Unlimited receipt scans and voice memos
- AI insights on your reports
- Everything in Free, of course
Start free, upgrade in-app
Upgrade from Settings → Billing — the price is shown before you commit. Cancel any time.
Frequently asked questions
Is moniya free?
Yes — the ledger, budgets, saving goals, recurring bills, reports, net worth, and CSV export are free forever, and every month includes 50 AI captures (receipt scans or voice memos). Pro removes the AI ceiling with unlimited captures and AI insights on your reports.
How does AI capture work?
Snap a receipt or say the expense out loud. moniya reads the merchant, line items, language, and currency, then drafts the transaction for you. Nothing posts until you approve it.
Does moniya support multiple currencies?
Yes — 18 currencies with a two-currency display toggle. Every transaction keeps its original amount, and the exchange rate is frozen at spend time, so your history never drifts when rates move.
What platforms does moniya run on?
Web, iOS, Android, macOS, and Windows — the same account everywhere. There's also a Telegram bot: forward a receipt and it becomes a draft in your ledger.
Does moniya connect to my bank?
No. Instead of bank sync, moniya uses AI capture — scan the receipt or say it out loud, and the transaction is drafted in seconds. That means it works in any country with any bank, and you review everything before it posts.
Can I export my data?
Anytime. Your ledger exports to CSV, and original receipts are kept alongside their transactions. Your data is yours.
AI drafts. You approve.
That’s the whole deal. The tedious part is automated; the final say is always yours.
Start tracking free
No card required.
- Original receipts kept
- Rates frozen at spend time
- CSV export anytime