Effortless
money, finally.
Track your spending and budget
wherever you chat
Zero Friction Entry
Text your expenses naturally like coffee 4.50 or zara t-shirt 35. Moneto's AI ledger automatically parses amounts, merchant names, and matches them to standard budget categories.
coffee from starbucks 5.40
Always in Reach
Moneto lives inside the messaging apps you use every day. No app overhead, no sign-ins, and no extra passwords to remember.
Visual Limits
Stay accountable. Define monthly spending caps per category, and get instant warning alerts right in your chat when you're getting close to the limit.
Smart Summaries
Receive proactive, automated summaries and insights. Moneto analyzes your weekly spending habits to highlight patterns and find ways for you to save.
Say goodbye to friction
Traditional apps make budgeting feel like homework. Moneto makes it as simple as texting a friend.
📱 Find your phone, unlock it, and locate the budgeting app icon.
✕⏳ Tap the app and wait 3-5 seconds for the splash screen to load.
✕➕ Navigate to the ledger page and click the '+' or 'Add Expense' button.
✕⌨️ Manually type in the numeric value (e.g. 52.80) on the virtual keyboard.
✕🏷️ Tap category dropdown, scroll and select category, type merchant name, and set date.
✕💾 Find the 'Save' button, click it, and wait for the transaction to write to database.
✕💬 Send a message in WhatsApp or Telegram — just type the expense naturally.
📊 Open the Moneto dashboard to view spending insights, trends, and budget limits.
Prefer typing it yourself? Moneto also has a classic expense form on the dashboard — for those moments when you want full control.
Bank-Grade Encryption
Your transactions and tokens are encrypted in transit and at rest using AES-256 standard encryption.
You're Always in Control
Review, edit, or delete any logged expense anytime. Nothing is recorded without your say.
Complete Data Privacy
We only read chat messages you explicitly prefix or send to log transactions. Your messages are never shared or sold.
Take control of your money, today.
Join the waitlist to get early access to the chat-first finance ledger. Moneto AI is currently in private beta.