Expensify for personal use? Try moniya instead
Expensify is built for one job: getting employees reimbursed. If you're scanning receipts to track your own money — not to file a report — moniya gives you the scanner plus budgets, net worth, and multi-currency, on a free plan.
moniya vs Expensify, feature by feature
| Feature | moniya | Expensify |
|---|---|---|
| AI receipt scanning | YesAny language or currency; line items extracted | YesSmartScan — built for expense reports |
| Voice expense entry | YesSay it out loud — moniya drafts the transaction | No |
| Review before anything posts | YesNothing posts without your approval | PartialExpenses collect into reports for submission |
| Multi-currency | Yes18 currencies with a two-currency display toggle | YesFor reimbursement workflows |
| Exchange rates frozen at spend time | YesThe rate at spend time, forever — history never drifts | PartialReports convert at expense-date rates |
| Net worth tracking | Yes | No |
| Asset tracking | Yes | No |
| Budgets | Yes | NoNo personal budgets |
| Saving goals | Yes | No |
| Recurring bills | Yes | NoBill pay is a business feature |
| Automatic bank sync | NoAI capture instead — works in any country, any bank | YesCard feeds for expense import |
| CSV export | YesYour data is yours, anytime | Yes |
| Free plan | YesFree forever, incl. 50 AI captures a month | YesPersonal use, with a monthly SmartScan allowance |
| Web app | Yes | Yes |
| iOS app | Yes | Yes |
| Android app | Yes | Yes |
| Desktop app (macOS / Windows) | YesmacOS and Windows | No |
Pricing
moniyaFree forever
Tracking costs nothing. Pro removes the AI ceiling.
$0to track everything
- 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
Pro — unlimited AI
- Unlimited receipt scans and voice memos
- AI insights on your reports
No card required.
Expensify
Has a free plan.
PersonalFree
- Receipt scanning with a monthly SmartScan allowance (around 25 scans)
- Expense tracking and export
- Built around submitting expenses, not budgeting them
Collect$5/mo
- Per member, per month
- Unlimited SmartScans, approvals, reimbursement
- Control plan from $9 adds enterprise features
Verified July 2026. Expensify's plans are organized around teams and reimbursement — personal finance is a side effect, not the product.
Why people switch
A ledger, not an expense report
In Expensify, a receipt becomes a line on a report you submit to someone. In moniya, it becomes a transaction in your own budgets, categories, and net worth — because the person you answer to is you.
The scanner, plus a voice
moniya reads receipts in any language or currency and extracts the line items — and when there's no receipt, you just say the expense out loud. Either way you review the draft before it posts.
Personal-finance depth
Budgets, saving goals, recurring bills, net worth, and multi-currency reports with rates frozen at spend time. Expensify has none of these, because employees' personal budgets were never its problem to solve.
The honest verdict
This one isn't really a rivalry — it's a fork in the road. Expensify is excellent business software for reimbursement, and moniya doesn't pretend to compete there. But a lot of people arrive at Expensify just wanting to scan receipts and know where their own money goes, and for them it's the wrong shape: no budgets, no goals, no net worth. moniya is that same effortless capture, pointed at your life instead of your expense report.
Frequently asked questions
Is moniya a replacement for Expensify at work?
No. If your company reimburses through Expensify — approvals, corporate cards, accounting sync — keep using it there; moniya has none of that machinery. moniya replaces Expensify only for the other use: people scanning receipts to track their own money.
Is moniya really 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.
Can moniya scan receipts like SmartScan?
Yes — snap the receipt and moniya reads the merchant, line items, language, and currency, then drafts the transaction for your approval. The free plan includes 50 AI captures a month, and voice entry works the same way when there's no paper.
Can I keep business and personal expenses separate in moniya?
You can use categories and accounts to keep them apart, and CSV export gets the data out at tax time. But moniya has no reimbursement, approval, or invoicing workflows — for real business expense management, a business tool is the right call.
Who should stick with Expensify?
Anyone whose employer runs reimbursement through it, and any team that needs approvals, corporate cards, or accounting integrations. Expensify is good at being Expensify — it just was never meant to be your personal finance app.
Related comparisons
- moniya vs SpendeeEurope's favorite multi-currency tracker — the closest comparison on this list.
- moniya vs YNABPowerful envelope budgeting — with a $109/yr price tag and a famously steep on-ramp.
- moniya vs Monarch MoneyThe default Mint successor — $99.99/yr, polished, and built around US bank linking.
Try a free tool
Switching is a 2-minute setup
Create a free account, snap your first receipt, and approve the draft — no import project, no card, no commitment.
No card required.