A Spendee alternative with deeper multi-currency
Spendee gets closer to moniya than most: multi-currency wallets, a clean design, a real free plan. moniya goes further — rates frozen at spend time, AI voice and receipt capture, desktop apps, and a free tier that isn't capped at one wallet and one budget.
moniya vs Spendee, feature by feature
| Feature | moniya | Spendee |
|---|---|---|
| AI receipt scanning | YesAny language or currency; line items extracted | PartialOn paid plans |
| Voice expense entry | YesSay it out loud — moniya drafts the transaction | No |
| Review before anything posts | YesNothing posts without your approval | NoSynced transactions post automatically |
| Multi-currency | Yes18 currencies with a two-currency display toggle | YesOne currency per wallet |
| Exchange rates frozen at spend time | YesThe rate at spend time, forever — history never drifts | No |
| Net worth tracking | Yes | No |
| Asset tracking | Yes | PartialCrypto and e-wallet balances |
| Budgets | Yes | YesOne budget on the free plan |
| Saving goals | Yes | No |
| Recurring bills | Yes | YesRecurring transactions |
| Automatic bank sync | NoAI capture instead — works in any country, any bank | YesPremium plan |
| CSV export | YesYour data is yours, anytime | Yes |
| Free plan | YesFree forever, incl. 50 AI captures a month | Yes1 cash wallet, 1 budget |
| 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.
Spendee
Has a free plan.
Plus$14.99/yr
- Or $1.99 billed monthly
- Unlimited wallets and budgets
- Wallet sharing
Premium$35.99/yr
- Or $5.99 billed monthly
- Bank, e-wallet, and crypto connections
- Automatic categorization
Prices verified July 2026 on spendee.com. The free plan is capped at one cash wallet and one budget.
Why people switch
Rates that never drift
Spendee converts across currencies, but history moves with the market. moniya freezes the exchange rate at spend time, forever — the ¥1,240 lunch you logged in March still reports at March's rate in December.
Say it or snap it — free
Spendee's receipt scanner sits behind a paid plan, and there's no voice entry at all. moniya includes 50 AI captures a month on the free plan: photograph the receipt or say the expense out loud, then approve the draft.
Desktop apps included
Spendee covers web and mobile. moniya adds native macOS and Windows apps on the same account — the ledger is wherever you're already sitting.
The honest verdict
Spendee is the most honest head-to-head on this list — it genuinely understands multi-currency life, and its paid plans are cheap. The differences are in the depth: Spendee converts at prevailing rates where moniya freezes the rate at spend time; its receipt scanner is paid where moniya's capture (with voice) is in the free tier; and its free plan stops at one wallet and one budget where moniya's doesn't. If you need shared wallets or European bank sync, stay with Spendee. For everything else, moniya simply includes more.
Frequently asked questions
Is moniya really free?
Yes — and the free tier isn't a teaser. Unlimited accounts and transactions, budgets, saving goals, recurring bills, reports, net worth, CSV export, and 50 AI captures a month. Spendee's free plan caps you at one cash wallet and one budget.
How does moniya handle multiple currencies?
18 currencies in one ledger with a two-currency display toggle. Every transaction keeps its original amount, and the exchange rate is frozen at spend time, so reports never drift when the market moves. There's no one-wallet-per-currency workaround needed.
Can I share my moniya ledger with a partner like Spendee's shared wallets?
Not today — moniya accounts are personal. Spendee's wallet sharing is genuinely useful for couples and flatmates, and if a shared wallet is your top requirement, Spendee Plus does that well. For your own money, moniya's free tier goes much deeper.
Does moniya sync with European banks?
moniya doesn't sync with any bank, by design — capture is the model. Scan the receipt or say the expense out loud, and the draft appears for your approval. That works identically in Prague, Lisbon, or Tokyo, with no aggregator coverage to worry about.
Who should stick with Spendee?
Anyone who wants European bank feeds (on Premium) or shared wallets with a partner — those are real Spendee strengths moniya doesn't match. If you mainly want capped-free budgeting with bank sync on top, Spendee remains a solid, likable app.
Related comparisons
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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.
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