Know it fits your budget
before you spend.
Monairo logs spending in five seconds by voice or tap, reconciles it with your bank automatically, and warns you the moment a purchase pushes you over budget, not days later.
Money stays in integer minor units. Nothing in your ledger is ever silently deleted.
Built for two-second moments
Walking out of a store, splitting dinner, reconciling after payday, Monairo keeps up without the spreadsheet.
Five-second capture
Say “five euros at the café” or tap an amount. On-device speech, no cloud round-trip required.
Automatic reconciliation
Bank sync, Apple Pay and voice entries merge into one ledger, duplicates are suppressed, never dropped.
Pre-spend warnings
Budgets that intervene before money leaves the account, so you stay in control without the work.
Share with a partner
One shared ledger across iOS and Android. A partner is included free on the yearly plans.
Calm analytics
Trends, category mix and a 30-day forecast, quiet by default, detailed when you ask.
Private by design
Bank tokens never leave the server. The on-device cache is encrypted. We never sell your data.
Simple pricing
Start free with three entries a day. Upgrade when you want unlimited capture, analytics and sharing.
Solo
- Unlimited entries
- Full analytics & forecast
- Automatic bank & Apple Pay capture
- Invite a partner to the ledger (they upgrade at 10% off)
Duo
- Everything in Solo
- One partner gets Pro free
- One shared household ledger
- Save over 40% vs two Solo plans
Family
- Everything in Duo
- Up to four people, all Pro
- One shared household ledger
- Best price per person
A partner is free on the yearly Duo and Family plans. On Solo monthly, your partner can use the shared ledger and upgrade their own account at 10% off. All plans are billed through the App Store or Google Play and can be cancelled anytime.
Your financial data, protected
Monairo is built to the GDPR principles of data minimisation and purpose limitation.
GDPR-first
Clear legal bases, full data-subject rights, and one-tap account deletion from inside the app.
Encrypted & isolated
Bank access tokens are encrypted server-side and never readable by the app. Households are isolated by row-level security.
No data sales
We never sell your data or use your transactions for advertising. Read the full Privacy Policy.
Start tracking in two seconds
Free to begin. No card required. Your anonymous history carries over the moment you create an account.
Get Monairo