Athenify vs Moneko (2026)

Athenify

https://athenify.io

Athenify is the best time tracking app for students. --- Site Content --- Athenify Product Why Athenify The Three Pillars Features All study tracker & study planner app features Testimonials Very high user satisfaction Gamification Boost your study motivation Use Cases Athenify is always at your side Science Evidence-based study methods Study Goals Graduate School GMAT Business GRE General LSAT Law MCAT Medicine Undergraduate SAT College admissions Professional CFA Exam Finance PhD Thesis Dissertation All Study Fields Study Guides Learning Study Techniques Proven methods for effective learning Note-Taking Methods Capture knowledge that sticks Exam Preparation Ace your exams with strategic preparation Academic Writing Write better essays and papers Productivity How to Focus Sharpen concentration and eliminate distractions Time Management Make every hour count Study Schedule Plan your study sessions effectively Stop Procrastinating Beat procrastination with proven strategies Habits & Wellbeing Study Habits Build routines that stick Study Motivation Stay driven through the semester Mental Health & Studying Protect your wellbeing while studying Sleep & Studying Optimize rest for peak performance Study Environment Optimize where and how you study Pricing About Athenify Story Who's behind it? Blog The Athenify blog Deutsch English Log In Create Account Create Account Product Why Athenify Features Testimonials Gamification Use Cases Science Study Goals GRADUATE SCHOOL GMAT (Business) GRE (General) LSAT (Law) MCAT (Medicine) UNDERGRADUATE SAT Preparation PROFESSIONAL CFA Exam PhD Thesis All Study Fields Study Guides Learning Study Techniques Note-Taking Methods Exam Preparation Academic Writing Productivity How to Focus Time Management Study Schedule Stop Procrastinating Habits & Wellbeing Study Habits Study Motivation Mental Health & Studying Sleep & Studying Study Environment Pricing About Athenify Story Blog Language Deutsch English Log In The #1 Study Tracker & Focus Timer #1 Study Tracker App The Best Study Tracker App & Focus Timer for Students The motivating Study Tracker App #1 Study Tracker App Track your time. Build momentum. Ace your exams. Athenify is the best online ⏱️ study tracker app with focus timer – for PC, Mac & mobile. Track your study time with the 🖥️ fullscreen timer, monitor progress on a beautiful, aesthetic 📊 dashboard, and stay 🚀 motivated with 🍅 Pomodoro, 🔥 streaks & 🎮 gamification! Use the Athenify app as your study tracker website , study planner app , or study habit tracker . Motivating Badges, streaks — you name it Statistics Gorgeous graphs galore Study Timer Focus Timer & Study Counter Cloud powered Wicked fast sync Get Started Now No credit card required • Works on all devices #1 Study Tracker App Trusted by 30,000+ students at top 🏛️ universities worldwide What is Athenify? Study tracker & focus timer — turbocharged Athenify is the app for tracking study time — the ultimate study tracker , study hour tracker , study habit tracker , and focus timer for college, university, or school. Use this time tracker for study to track your study hours , get in the zone with our fullscreen focus timer , and stay accountable! Athenify is a study time tracker app combined with a focus timer . Use Pomodoro mode to boost your concentration, or simply start the study timer and enter a flow state. The study time counter tracks every minute – it's the study timer tracker you've been looking for! Athenify is your daily study tracker , keeping you motivated every single day with innovative tools like 📈 Share Price , 🏆 Medal Standings , and 🔥 Streaks . So what makes Athenify special? 📊 Beautiful dashboard: View all your study metrics in one place ☁️ Cloud-based: Access your data anywhere, on any device 🤩 Easy to use: Simple, intuitive interface for effortless tracking Get Started Now The Athenify difference From chaos to clarity Without Athenify "I studied all day but can't remember what I did" With Athenify "I know exactly how much I accomplished" "I studied all day but can't remember what I did" "I know exactly how much I accomplished" Without Athenify "Exam season always catches me off guard" With Athenify "I'm always ahead of schedule" "Exam season always catches me off guard" "I'm always ahead of schedule" Without Athenify "I lose motivation after a few days" With Athenify "My streak keeps me coming back every day" "I lose motivation after a few days" "My streak keeps me coming back every day" Get started now Start mastering your learning journey! Refined Refined with feedback and cutting-edge technology: Athenify is shaped by feedback from hundreds of students and powered by the latest cloud tech and real-time sync across all devices. Motivating Why choose Athenify? Athenify users study more thanks to motivational tools that keep you on track and a dashboard that shows your progress. Personalized Fully customizable: Personalize your learning dashboard with custom color schemes, subject colors, and configurable tiles and charts. Make Athenify yours! Simple Designed for simplicity: Athenify is fast, simple, and intuitive. Easily track study sessions, subjects, and exams. Smart tools to make studying easier and more motivating Stay on track and reach your goals Fullscreen focus timer Get in the zone with our beautiful fullscreen timer. Use Pomodoro mode or a stopwatch to track your study sessions and boost concentration. Try our free study timer → Motivating medals Celebrate your wins with medals—just like the Olympics, in gold, silver, and bronze. Streaks Don't break the chain. Build your study habit by showing up every day. Cloud sync All data is stored on German servers and is synchronized between all your devices at lightning speed. Satisfying statistics Use donut, spider, and bar charts to easily track your study time. Full transparency Athenify makes your progress crystal clear. See exactly where you stand in each subject and how much you've studied. Exams at a glance Enter exam dates and other information — Athenify always shows you when the next exam is due. Magic predictions Athenify learns your study habits and calculates how much more you need to study to hit your goal. Stay on track effortlessly. Badge collection Athenify rewards goal achievements with great badges displayed in your trophy room All features at a glance The motivational panel in your Athenify dashboard Your ultimate companion for consistent studying Athenify's Dashboard is your central hub to stay motivated and gain valuable insights into your study habits. The Motivational Panel is your primary source of motivation. 💊 Progress Pills The three pills on top show your daily, weekly, and monthly progress at a quick glance. 🔥 Streaks To achieve consistency in your study habits, Athenify tracks your consecutive days of studying—your Streak . Don't break the chain and study every single day. The rings around each day show whether you have reached your daily study goal. 📈 Share Price The Share Price is your cumulative goal differential. When you exceed your daily study goal, the share price rises by the overachievement. 🏆 Medals Medals are awarded when you study more than a predefined (and customizable) threshold. For instance, days with more than 2 hours are bronze, 3 hours, silver, and 4 hours gold. 📆 Calendar The calendar shows how active you were on each given day (the darker the green the better). A tooltip for each day provides more information about the specifics of each day. Very high user satisfaction Join 30,000+ students using Athenify to track study time and achieve more! Even the previous version as an Excel template was a helpful tool to make my study phases more structured and therefore less stressful. But that was nothing compared to the new app, which I got to use as a beta tester from day one. It's a huge time-saver and incredibly sophisticated—with excellent support that goes above and beyond. A clear recommendation for everyone who wants structure, motivation, and measurability for their learning activities! Franz Verified purchase Industrial Engineering Student The Athenify app has impressed me from the beginning, and I am still a fan! It's incredibly intuitive and makes it easy to organize your academic progress. The statistics, beautifully displayed through various charts, make tracking your learning success effortless. Sarah Verified purchase English and Business Administration Student For me, Athenify is the perfect way to see my study effort and progress clearly. The interface is clean, polished, and works reliably across all my devices. The tool is worth every penny and tailored to students' needs. Lukas is also super responsive and takes user feedback seriously. I have now extended my membership and am happy to be able to use the tool until I complete my master's degree. Daniel Verified purchase Management Student With Athenify, Lukas has made the leap from spreadsheet to an intuitive, polished app. I have been using Lukas' Numbers/Excel learning diary for about three years now and was very satisfied after a few personal modifications. It was and still is a tool that holds me accountable and is one of my greatest sources of motivation. However, Athenify has now implemented significant improvements: a timer function, calculating time goals for exams based on ECTS points, easier usability without wasting time on modifications, and much more. Particularly noteworthy is the good support. Quick responses and well-implemented solutions! Anyone looking for a visually well-done presentation of their learning success will find it in Athenify! Theresa Verified purchase Veterinary Medicine Student First off: huge props for the design—the interface looks so sleek now! I love the chart animations, way better than if they just popped up static. Overall, everything was intuitive to use, and I did not encounter any errors. The only issue was that the confirmation link for logging in via Google did not come automatically and had to be requested again. Lukas Verified purchase Mechanical Engineering Student Lukas, thank you so much for letting me test Athenify. You've built a thoughtful, polished app that I'm happy to recommend to my friends. I have tried several planning apps until I came across yours. Even your Excel sheets helped me a lot to structure my studies. The app puts the finishing touch on everything. To all future Athenify users: If you always face a mountain of material at the start of the semester and don't know how you'll ever get through it—or if exam season somehow sneaks up on you every time… If you're looking for a pocket-sized study buddy that's available 24/7, keeps you motivated, and has your back—I wholeheartedly recommend Athenify. Amazing work! Sarah Verified purchase Medical Student My 6th grader (Gymnasium, Bavaria) works diligently with Athenify and keeps his learning diary daily for all subjects from his phone and tablet. That is proof enough that the handling is child-friendly. Thanks to Athenify, we finally have an overview of how much time he spends learning each subject per day or week and how the time is distributed (e.g., written homework, daily review of notes, external worksheets, vocabulary). I now also know how much study time I can expect from him in 'normal' school mode or when preparing for tests. Thanks to the dashboards and graphical processing, he now notices himself when he is 'below target' in the evening – and if he doesn't come up with it himself, I can give him concrete tips on what he could still do. We are both very glad to have discovered Athenify. Especially for students in Bavaria, where a lot of emphasis (and the majority of grades) is placed on initiative and continuous learning, I can highly recommend this app! My 4th grader hasn't started with Athenify yet, but I plan to start using it in the new year… Theresa Verified purchase Mother Read more student testimonials Trusted by students worldwide Your success in numbers. 30k Students use Athenify to study more focused and achieve their goals 60+ Countries from Berlin to Sydney – a global community of motivated learners 500k Study hours tracked with Athenify – that's over 50 years of focused studying Still curious? Find your answers here! Frequently Asked Questions General Information What is Athenify? What platforms is Athenify available on? Why is Athenify not available in the app stores? Is my data safe on Athenify? What makes Athenify different from other study tracking tools? Motivational Tools How does Athenify motivate me to study? What are Streaks in Athenify? What is the 'Share Price' feature? Tracking & Statistics Does Athenify have a focus timer or Pomodoro mode? How does Athenify track study time? Can I view my study statistics on Athenify? How does time tracking improve student performance? What are the benefits of study time tracking with Athenify? Study Habits & Consistency Why is it important to study consistently, and how does Athenify help? How does Athenify help prevent procrastination? How does Athenify prevent overcommitment and burnout? How does Athenify help with accountability in study tracking? Customization & Adaptability Can I customize my Athenify dashboard? How does Athenify make it easier to adapt to changing schedules? How can Athenify help me set realistic study goals? Ready to transform your study habits? Get Started Now Contact Support Insights for effective learning Capturing past, present, and future learning insights Past Understand Athenify gives you countless ways to discover patterns in your study habits. See which days you're most active, how often you hit your goals – and much more! Present Track Using Athenify takes minimal effort. The intuitive timer lets you track your study sessions in no time. Focus on what matters: your studies. Future Plan Athenify helps you plan exams and learning goals for individual subjects and the entire semester/school year. With Magic Prediction, Athenify calculates how much you should study each day to reach your goals. Try Athenify for free Kickstart your most productive semester! Start your 14-day free trial of Athenify today Effortless tracking of all your study times Stay motivated with streaks, medals, and badges Analyze your study habits with graphs and deep dive tools Get Started Now No credit card required. Athenify The Study Tracker & Focus Timer App #1 Study Tracker App Made with ☕ & ❤️ by Lukas Product Why Athenify Features Gamification Use Cases About Athenify Story Pricing FAQ Testimonials Resources General Science What's New Athenify in the App Store Free Timers Free Study Timer Pomodoro Timer Free Calculators Free GPA Calculator Canadian GPA Calculator Australian GPA Calculator UK GPA Calculator Account Create Account Log In Study Guides Learning Study Techniques Note-Taking Methods Exam Preparation Academic Writing Productivity How to Focus Time Management Study Schedule Stop Procrastinating Habits & Wellbeing Study Habits Study Motivation Mental Health & Studying Sleep & Studying Study Environment Blog Latest Articles The Science of Study Environments: Where You Study Matters Caffeine and Studying: What the Science Actually Says The Cornell Note-Taking Method: Complete Guide for Students Digital Minimalism for Students: Focus in a Distracted World Digital vs. Handwritten Notes: What the Research Actually Says How to Enter a Flow State While Studying How Sleep Affects Learning and Memory: The Science Students Need to Know 🇪🇺 Made in Europe GDPR Compliant SSL Encrypted 30,000+ Students © 2026 Athenify Legal Notice Terms of Use Privacy Policy Open Source Software Ready to transform your study habits? Get Started Now

Moneko

https://moneko.io

Moneko is an AI-powered investing assistant that helps beginner investors go from 0 to 1 by building their first portfolio through guided conversations, personalized lessons, and a real-time simulator. We offer a free plan, and charge customers at checkout for premium features like advanced insights and customizable dashboards. --- Site Content --- Moneko Features How it Works Changelog Resources Pricing Download Toggle menu Log in Join Early Access Now with WhatsApp Integration Stop fighting with spreadsheets. Just chat. Moneko is the AI financial assistant that makes staying on top of money feel lightweight. Snap receipts, send voice notes, and manage "Pockets" without the manual work. Download on the App Store GET IT ON Google Play +6k Join 6,000+ early users M Moneko business account Coffee 4.50 9:41 AM Saved 💸 Category: ☕️ Eating Out Amount: $4.50 You've spent $15.00 on coffee this week. 9:41 AM How much left for Groceries? 10:23 AM You have $124.50 left in 🛒 Groceries pocket (75% remaining). 10:23 AM + Message... 🎙️ Everything you need to master your money Moneko combines powerful financial tools with the simplicity of a chat app. WhatsApp Assistant Update expenses via text, voice, image, PDF, or Excel. No app needed. Chat on WhatsApp Food $ 320 Travel $ 150 Fun $ 40 Bills $ 380 Health $ 20 Pockets System Envelope budgeting designed for modern life. Give every dollar a job. Learn about pockets Rent Split Joint Savings Shared Bills Joint Expenses Household Mode Manage joint finances without the headache. Switch between personal and shared views. Explore households Can I buy a $ 2,000 laptop before Jan 2, 2026? AI Insights Ask "Can I buy X by Y date?" and get instant, data-backed answers. Ask Moneko 4.8 /5 rating 4.8 /5 App Store rating Loading community stats... See what our users are saying about Moneko Sameulchee ★★★★★ Strong AI analysis The AI scenario planning is superb, he will analysis according to your pocket sizing and give you the best suggestion and planning for you. This really helped those who dont know proper financial planning. Strongly recommended! MYS 2/8/2026 Sarah SNi ★★★★★ Simple and easy to use Really enjoy using this app so far. It makes tracking shared expenses simple and stress-free, and the AI features save a lot of time. The interface is clean and easy to use, and great for daily spending and splitting costs with friends. MYS 2/4/2026 Dato Wafiy Aziz ★★★★★ Beta User to Live Access!! I'm so excited since Moneko is live on AppStore now, Been using in Testflight. It's so easy to add Income/Expenses and even Family Sharing or Group Sharing, The best one is Add via WhatsApp Features!! MYS 2/4/2026 MilMayr ★★★★★ Really good budgeting app! I try this app bcz of the cute cat icon and since it offers free trial, but I ended up staying bcz it's actually amazing!! The interface is super clean and simple, makes tracking my expenses super easy and it also offers some other features. Really recommend this app if you wanna manage your money with small amount of price!! MYS 2/4/2026 AcE ★★★★★ Web Android iOS app with WhatsApp integration !!!! This is only budgeting app that has all And they all are well synced. Developers actually listened and updated. They added many of my requests into this app. It's group of developers working on this project and they all know what they are doing. Widgets are nice too. My roommates and I used the sharing expenses experience through this app and never had any problem with it. MYS 2/2/2026 Usnsbsb ★★★★★ Smart AI and integration The processing speed of AI is incredibly fast and it was able to capture all the details, nice work MYS 2/2/2026 utsavdotpro ★★★★★ Quite impressive already, looking forward to enrichments It's impressive how much is already packed into this first version. The UI is really well-done and makes the app easy to navigate. Being able to pull a list of transactions from one screenshot is a handy feature, and I like that I can set up different spaces with so many category options. The graphs are also a nice way to see a quick overview of my spending. It's a strong foundation and I'm interested to see how it develops. USA 1/31/2026 Ankitkumar Singh ★★★★★ Very useful app Very useful app. Design is minimalist just I like. IND 2/9/2026 Chris Mayberry ★★★★★ Great app with AI features Great app to have AI write down all of your expenses. My one complaint is there are free trials and lifetime subscription but no free option. Also the developer is really enthusiastic to bring new features and improvements to the app. USA 2/6/2026 ram prasad ★★★★★ Perfect WhatsApp integration it is really the app i was looking for. instead of choosing a category and etc.. i can just type a message and its AI automatically does everything. can also share a voice & image. Surprising feature was the whatsapp integration. It reqlly is a awesome featute, dear developers pls polish this feature without any bugs and u will the lead app in this category. I am from india we use whatsapp as the primary communication app so this will be awesome. i am already a lifetime subscriber thank u IND 2/3/2026 Sameulchee ★★★★★ Strong AI analysis The AI scenario planning is superb, he will analysis according to your pocket sizing and give you the best suggestion and planning for you. This really helped those who dont know proper financial planning. Strongly recommended! MYS 2/8/2026 Sarah SNi ★★★★★ Simple and easy to use Really enjoy using this app so far. It makes tracking shared expenses simple and stress-free, and the AI features save a lot of time. The interface is clean and easy to use, and great for daily spending and splitting costs with friends. MYS 2/4/2026 Dato Wafiy Aziz ★★★★★ Beta User to Live Access!! I'm so excited since Moneko is live on AppStore now, Been using in Testflight. It's so easy to add Income/Expenses and even Family Sharing or Group Sharing, The best one is Add via WhatsApp Features!! MYS 2/4/2026 MilMayr ★★★★★ Really good budgeting app! I try this app bcz of the cute cat icon and since it offers free trial, but I ended up staying bcz it's actually amazing!! The interface is super clean and simple, makes tracking my expenses super easy and it also offers some other features. Really recommend this app if you wanna manage your money with small amount of price!! MYS 2/4/2026 AcE ★★★★★ Web Android iOS app with WhatsApp integration !!!! This is only budgeting app that has all And they all are well synced. Developers actually listened and updated. They added many of my requests into this app. It's group of developers working on this project and they all know what they are doing. Widgets are nice too. My roommates and I used the sharing expenses experience through this app and never had any problem with it. MYS 2/2/2026 Usnsbsb ★★★★★ Smart AI and integration The processing speed of AI is incredibly fast and it was able to capture all the details, nice work MYS 2/2/2026 utsavdotpro ★★★★★ Quite impressive already, looking forward to enrichments It's impressive how much is already packed into this first version. The UI is really well-done and makes the app easy to navigate. Being able to pull a list of transactions from one screenshot is a handy feature, and I like that I can set up different spaces with so many category options. The graphs are also a nice way to see a quick overview of my spending. It's a strong foundation and I'm interested to see how it develops. USA 1/31/2026 Ankitkumar Singh ★★★★★ Very useful app Very useful app. Design is minimalist just I like. IND 2/9/2026 Chris Mayberry ★★★★★ Great app with AI features Great app to have AI write down all of your expenses. My one complaint is there are free trials and lifetime subscription but no free option. Also the developer is really enthusiastic to bring new features and improvements to the app. USA 2/6/2026 ram prasad ★★★★★ Perfect WhatsApp integration it is really the app i was looking for. instead of choosing a category and etc.. i can just type a message and its AI automatically does everything. can also share a voice & image. Surprising feature was the whatsapp integration. It reqlly is a awesome featute, dear developers pls polish this feature without any bugs and u will the lead app in this category. I am from india we use whatsapp as the primary communication app so this will be awesome. i am already a lifetime subscriber thank u IND 2/3/2026 Sameulchee ★★★★★ Strong AI analysis The AI scenario planning is superb, he will analysis according to your pocket sizing and give you the best suggestion and planning for you. This really helped those who dont know proper financial planning. Strongly recommended! MYS 2/8/2026 Sarah SNi ★★★★★ Simple and easy to use Really enjoy using this app so far. It makes tracking shared expenses simple and stress-free, and the AI features save a lot of time. The interface is clean and easy to use, and great for daily spending and splitting costs with friends. MYS 2/4/2026 Dato Wafiy Aziz ★★★★★ Beta User to Live Access!! I'm so excited since Moneko is live on AppStore now, Been using in Testflight. It's so easy to add Income/Expenses and even Family Sharing or Group Sharing, The best one is Add via WhatsApp Features!! MYS 2/4/2026 MilMayr ★★★★★ Really good budgeting app! I try this app bcz of the cute cat icon and since it offers free trial, but I ended up staying bcz it's actually amazing!! The interface is super clean and simple, makes tracking my expenses super easy and it also offers some other features. Really recommend this app if you wanna manage your money with small amount of price!! MYS 2/4/2026 AcE ★★★★★ Web Android iOS app with WhatsApp integration !!!! This is only budgeting app that has all And they all are well synced. Developers actually listened and updated. They added many of my requests into this app. It's group of developers working on this project and they all know what they are doing. Widgets are nice too. My roommates and I used the sharing expenses experience through this app and never had any problem with it. MYS 2/2/2026 Usnsbsb ★★★★★ Smart AI and integration The processing speed of AI is incredibly fast and it was able to capture all the details, nice work MYS 2/2/2026 utsavdotpro ★★★★★ Quite impressive already, looking forward to enrichments It's impressive how much is already packed into this first version. The UI is really well-done and makes the app easy to navigate. Being able to pull a list of transactions from one screenshot is a handy feature, and I like that I can set up different spaces with so many category options. The graphs are also a nice way to see a quick overview of my spending. It's a strong foundation and I'm interested to see how it develops. USA 1/31/2026 Ankitkumar Singh ★★★★★ Very useful app Very useful app. Design is minimalist just I like. IND 2/9/2026 Chris Mayberry ★★★★★ Great app with AI features Great app to have AI write down all of your expenses. My one complaint is there are free trials and lifetime subscription but no free option. Also the developer is really enthusiastic to bring new features and improvements to the app. USA 2/6/2026 ram prasad ★★★★★ Perfect WhatsApp integration it is really the app i was looking for. instead of choosing a category and etc.. i can just type a message and its AI automatically does everything. can also share a voice & image. Surprising feature was the whatsapp integration. It reqlly is a awesome featute, dear developers pls polish this feature without any bugs and u will the lead app in this category. I am from india we use whatsapp as the primary communication app so this will be awesome. i am already a lifetime subscriber thank u IND 2/3/2026 Sameulchee ★★★★★ Strong AI analysis The AI scenario planning is superb, he will analysis according to your pocket sizing and give you the best suggestion and planning for you. This really helped those who dont know proper financial planning. Strongly recommended! MYS 2/8/2026 Sarah SNi ★★★★★ Simple and easy to use Really enjoy using this app so far. It makes tracking shared expenses simple and stress-free, and the AI features save a lot of time. The interface is clean and easy to use, and great for daily spending and splitting costs with friends. MYS 2/4/2026 Dato Wafiy Aziz ★★★★★ Beta User to Live Access!! I'm so excited since Moneko is live on AppStore now, Been using in Testflight. It's so easy to add Income/Expenses and even Family Sharing or Group Sharing, The best one is Add via WhatsApp Features!! MYS 2/4/2026 MilMayr ★★★★★ Really good budgeting app! I try this app bcz of the cute cat icon and since it offers free trial, but I ended up staying bcz it's actually amazing!! The interface is super clean and simple, makes tracking my expenses super easy and it also offers some other features. Really recommend this app if you wanna manage your money with small amount of price!! MYS 2/4/2026 AcE ★★★★★ Web Android iOS app with WhatsApp integration !!!! This is only budgeting app that has all And they all are well synced. Developers actually listened and updated. They added many of my requests into this app. It's group of developers working on this project and they all know what they are doing. Widgets are nice too. My roommates and I used the sharing expenses experience through this app and never had any problem with it. MYS 2/2/2026 Usnsbsb ★★★★★ Smart AI and integration The processing speed of AI is incredibly fast and it was able to capture all the details, nice work MYS 2/2/2026 utsavdotpro ★★★★★ Quite impressive already, looking forward to enrichments It's impressive how much is already packed into this first version. The UI is really well-done and makes the app easy to navigate. Being able to pull a list of transactions from one screenshot is a handy feature, and I like that I can set up different spaces with so many category options. The graphs are also a nice way to see a quick overview of my spending. It's a strong foundation and I'm interested to see how it develops. USA 1/31/2026 Ankitkumar Singh ★★★★★ Very useful app Very useful app. Design is minimalist just I like. IND 2/9/2026 Chris Mayberry ★★★★★ Great app with AI features Great app to have AI write down all of your expenses. My one complaint is there are free trials and lifetime subscription but no free option. Also the developer is really enthusiastic to bring new features and improvements to the app. USA 2/6/2026 ram prasad ★★★★★ Perfect WhatsApp integration it is really the app i was looking for. instead of choosing a category and etc.. i can just type a message and its AI automatically does everything. can also share a voice & image. Surprising feature was the whatsapp integration. It reqlly is a awesome featute, dear developers pls polish this feature without any bugs and u will the lead app in this category. I am from india we use whatsapp as the primary communication app so this will be awesome. i am already a lifetime subscriber thank u IND 2/3/2026 Giotto ★★★★★ The best app to manage money The best app to manage money. By the help of AI, I can understand the availability of future planning. The important is I can easily insert the minor expense by voice or image instead of type in one by one, save my effort MYS 2/2/2026 conekt conekt ★★★★★ Perfect for shared expense tracking Moneko is the suitable app for shared expense tracking. Unlike traditional budgeting tools that require perfect inputs, Moneko embraces the messy reality of life. Log expenses through text, voice, photos, or chat messages, and the smart AI organizes everything automatically. Roommates, can add an expense once, and everyone stays in sync. No complicated forms are needed—simply type, speak, or snap a photo. Moneko categorizes spending, keeps totals MYS 1/30/2026 Dr. Rahul Mishra ★★★★★ Really cool auto-categorization The app is really nice. I am using it for my expenses. Really cool feature is that it automatically sorts them into appropriate categories when you type / use voice. Another feature is voice captu IND 1/30/2026 Datura mon amour ★★★★★ Magnifique app en français ! Corrigez les petits bugs d'affichage Cette application gère parfaitement les dépenses partagées pour couples ou colocataires, avec saisie simple par voix, texte, photo ou WhatsApp, IA qui catégorise auto et budgets sync multi-devises. C'est comme un conseiller financier IA : demandez si vous pouvez acheter un ordinateur avant une date précise, et il planifie tout. L'interface true black mauve est top sur iPhone, et elle est en français complet (ajustez la fiche App Store). Bugs à fixer : À police système maximale, textes illisibles/chevauchés. Affichage coupé police agrandie (autres captures). Nom utilisateur illisible ; utilisez prénom. Écriture invisible en nommant espace. 5 étoiles malgré tout. Excellente app, améliorez l'accessibilité svp ! FRA 2/7/2026 Duongdev ★★★★★ Tạm ổn Cũng khá hay, nhưng app còn 1 số case call api lỗi xong show nguyên cả json lỗi ra, cần cải thiện hơn VNM 2/7/2026 WardAlakhras ★★★★★ 1st app that helps me actually keep track consistently Thanks for this great app USA 2/4/2026 dqbao09 ★★★★★ Quản lý tài chính Ứng dụng rất tuyệt vờii, giúp quản lý chi tiêu và phân tích rõ ràng VNM 2/4/2026 Giotto ★★★★★ The best app to manage money The best app to manage money. By the help of AI, I can understand the availability of future planning. The important is I can easily insert the minor expense by voice or image instead of type in one by one, save my effort MYS 2/2/2026 conekt conekt ★★★★★ Perfect for shared expense tracking Moneko is the suitable app for shared expense tracking. Unlike traditional budgeting tools that require perfect inputs, Moneko embraces the messy reality of life. Log expenses through text, voice, photos, or chat messages, and the smart AI organizes everything automatically. Roommates, can add an expense once, and everyone stays in sync. No complicated forms are needed—simply type, speak, or snap a photo. Moneko categorizes spending, keeps totals MYS 1/30/2026 Dr. Rahul Mishra ★★★★★ Really cool auto-categorization The app is really nice. I am using it for my expenses. Really cool feature is that it automatically sorts them into appropriate categories when you type / use voice. Another feature is voice captu IND 1/30/2026 Datura mon amour ★★★★★ Magnifique app en français ! Corrigez les petits bugs d'affichage Cette application gère parfaitement les dépenses partagées pour couples ou colocataires, avec saisie simple par voix, texte, photo ou WhatsApp, IA qui catégorise auto et budgets sync multi-devises. C'est comme un conseiller financier IA : demandez si vous pouvez acheter un ordinateur avant une date précise, et il planifie tout. L'interface true black mauve est top sur iPhone, et elle est en français complet (ajustez la fiche App Store). Bugs à fixer : À police système maximale, textes illisibles/chevauchés. Affichage coupé police agrandie (autres captures). Nom utilisateur illisible ; utilisez prénom. Écriture invisible en nommant espace. 5 étoiles malgré tout. Excellente app, améliorez l'accessibilité svp ! FRA 2/7/2026 Duongdev ★★★★★ Tạm ổn Cũng khá hay, nhưng app còn 1 số case call api lỗi xong show nguyên cả json lỗi ra, cần cải thiện hơn VNM 2/7/2026 WardAlakhras ★★★★★ 1st app that helps me actually keep track consistently Thanks for this great app USA 2/4/2026 dqbao09 ★★★★★ Quản lý tài chính Ứng dụng rất tuyệt vờii, giúp quản lý chi tiêu và phân tích rõ ràng VNM 2/4/2026 Giotto ★★★★★ The best app to manage money The best app to manage money. By the help of AI, I can understand the availability of future planning. The important is I can easily insert the minor expense by voice or image instead of type in one by one, save my effort MYS 2/2/2026 conekt conekt ★★★★★ Perfect for shared expense tracking Moneko is the suitable app for shared expense tracking. Unlike traditional budgeting tools that require perfect inputs, Moneko embraces the messy reality of life. Log expenses through text, voice, photos, or chat messages, and the smart AI organizes everything automatically. Roommates, can add an expense once, and everyone stays in sync. No complicated forms are needed—simply type, speak, or snap a photo. Moneko categorizes spending, keeps totals MYS 1/30/2026 Dr. Rahul Mishra ★★★★★ Really cool auto-categorization The app is really nice. I am using it for my expenses. Really cool feature is that it automatically sorts them into appropriate categories when you type / use voice. Another feature is voice captu IND 1/30/2026 Datura mon amour ★★★★★ Magnifique app en français ! Corrigez les petits bugs d'affichage Cette application gère parfaitement les dépenses partagées pour couples ou colocataires, avec saisie simple par voix, texte, photo ou WhatsApp, IA qui catégorise auto et budgets sync multi-devises. C'est comme un conseiller financier IA : demandez si vous pouvez acheter un ordinateur avant une date précise, et il planifie tout. L'interface true black mauve est top sur iPhone, et elle est en français complet (ajustez la fiche App Store). Bugs à fixer : À police système maximale, textes illisibles/chevauchés. Affichage coupé police agrandie (autres captures). Nom utilisateur illisible ; utilisez prénom. Écriture invisible en nommant espace. 5 étoiles malgré tout. Excellente app, améliorez l'accessibilité svp ! FRA 2/7/2026 Duongdev ★★★★★ Tạm ổn Cũng khá hay, nhưng app còn 1 số case call api lỗi xong show nguyên cả json lỗi ra, cần cải thiện hơn VNM 2/7/2026 WardAlakhras ★★★★★ 1st app that helps me actually keep track consistently Thanks for this great app USA 2/4/2026 dqbao09 ★★★★★ Quản lý tài chính Ứng dụng rất tuyệt vờii, giúp quản lý chi tiêu và phân tích rõ ràng VNM 2/4/2026 Giotto ★★★★★ The best app to manage money The best app to manage money. By the help of AI, I can understand the availability of future planning. The important is I can easily insert the minor expense by voice or image instead of type in one by one, save my effort MYS 2/2/2026 conekt conekt ★★★★★ Perfect for shared expense tracking Moneko is the suitable app for shared expense tracking. Unlike traditional budgeting tools that require perfect inputs, Moneko embraces the messy reality of life. Log expenses through text, voice, photos, or chat messages, and the smart AI organizes everything automatically. Roommates, can add an expense once, and everyone stays in sync. No complicated forms are needed—simply type, speak, or snap a photo. Moneko categorizes spending, keeps totals MYS 1/30/2026 Dr. Rahul Mishra ★★★★★ Really cool auto-categorization The app is really nice. I am using it for my expenses. Really cool feature is that it automatically sorts them into appropriate categories when you type / use voice. Another feature is voice captu IND 1/30/2026 Datura mon amour ★★★★★ Magnifique app en français ! Corrigez les petits bugs d'affichage Cette application gère parfaitement les dépenses partagées pour couples ou colocataires, avec saisie simple par voix, texte, photo ou WhatsApp, IA qui catégorise auto et budgets sync multi-devises. C'est comme un conseiller financier IA : demandez si vous pouvez acheter un ordinateur avant une date précise, et il planifie tout. L'interface true black mauve est top sur iPhone, et elle est en français complet (ajustez la fiche App Store). Bugs à fixer : À police système maximale, textes illisibles/chevauchés. Affichage coupé police agrandie (autres captures). Nom utilisateur illisible ; utilisez prénom. Écriture invisible en nommant espace. 5 étoiles malgré tout. Excellente app, améliorez l'accessibilité svp ! FRA 2/7/2026 Duongdev ★★★★★ Tạm ổn Cũng khá hay, nhưng app còn 1 số case call api lỗi xong show nguyên cả json lỗi ra, cần cải thiện hơn VNM 2/7/2026 WardAlakhras ★★★★★ 1st app that helps me actually keep track consistently Thanks for this great app USA 2/4/2026 dqbao09 ★★★★★ Quản lý tài chính Ứng dụng rất tuyệt vờii, giúp quản lý chi tiêu và phân tích rõ ràng VNM 2/4/2026 Download Moneko and join thousands of happy users Capture Anything. Instantly. Moneko lives where you chat. No clunky forms to fill out. Just send a message, voice note, or photo on WhatsApp, and our AI handles the rest. Text It Just type 'Lunch $15'. We categorize it automatically. Say It On the go? Send a voice note. We transcribe and log it. Snap It Take a photo of a receipt. We extract every detail. M Moneko AI online Today Lunch with client $45.50 10:30 AM Expense Logged Amount: $45.50 Category: Dining Out Type: Business Logged "Lunch with client". Enjoy your meal! 🍔 10:30 AM + Message Simplicity in Motion. Moneko replaces spreadsheets with a conversation. Here's how you get control of your money in 4 steps. Step 0 1 Choose Your Mode Start solo, sync with a partner in Couple Mode, or manage shared bills in Household Mode. Solo Couple Family Step 0 2 Fill Your Pockets Give every dollar a job. Allocate income to Rent, Fun, and Savings before you spend. 🏠 ✈️ 🎮 Step 0 3 Chat to Track No manual entry. Just text 'Lunch $12' or send a voice note to Moneko on WhatsApp. Groceries $65.20 at Whole Foods 🍎 Logged to Groceries Budget remaining: $134.80 Step 0 4 Get Answers Don't guess. Ask 'Can I afford a trip to Japan?' and get an answer based on your real data. AI Moneko Insights 🤖 Based on your savings rate, you can afford Japan in 4 months. Savings Rate +12% 📈 Your Data, Your Rules Complete Control. Zero Lock-in. We believe your financial data is yours alone. We don't sell it, and we make it easy for you to take it with you or destroy it completely. Export to Excel Download your full transaction history as .xlsx or .csv files instantly. Keep your own backups or run custom analysis in your favorite tools. One-Click Wipe If you decide to leave, you can delete your account and all associated data instantly. We keep no backups. When you say go, it's gone for good. Backlink readiness Make it effortless to reference Moneko. High-quality backlinks come from trust, relevance, and accurate anchor text. Share our research, cite our tools, and let audiences know why Moneko is an authoritative AI budgeting platform. Financial media & educators Reference our AI-led budgeting research, WhatsApp budgeting assistant , and financial calculator hub in upcoming articles, newsletters, or lesson plans. Embed screenshots from our AI budgeting timeline or saved scenarios in the Insights tab. Link directly to calculators so readers can test numbers alongside your narrative. Pair Moneko’s quick-add capture examples with your own commentary for topical depth. Request media kit ↗ Financial coaches & partners Add Moneko as a recommended tool within resource hubs to show how Household budgeting mode keeps Personal vs Household dashboards in sync. Feature case studies that highlight our shared pocket workflows and automated nudges. Use anchor text such as “AI budgeting assistant” or “shared household finance app” linked to our feature pages. Share the WhatsApp flow when announcing collaborations so audiences see real conversational budgeting. Partner with us ↗ Community shout-outs Mention Moneko in fintech roundups, startup lists, or forums when discussing AI insights & scenario planning or WhatsApp-native budgeting. Summarize our latest feature drops (pockets, widgets, WhatsApp) inside Discord or Slack communities. Contribute quotes from our team about conversational “what if” planning to expert opinion pieces. Use descriptive anchor text that mirrors the surrounding topic, e.g., “AI receipt capture” or “chat-based budget view”. Join Discord community ↗ Anchor text tips Keep links relevant and descriptive. Use anchor phrases such as “AI budgeting assistant”, “WhatsApp expense tracker”, or “shared household finance tool” when referencing specific Moneko features. Avoid generic “click here” language to reinforce topical relevance. Freshness matters Highlight new launches or data drops. Publish quarterly updates, share screenshots of live pockets, or quote our AI spending insights to signal recency. We announce major releases inside our Discord and partner newsletter first. Quality outbound links Cite authoritative sources alongside us. Pair your Moneko mention with trusted industry references to boost credibility. We curated a few below—feel free to mix in regional regulators or accredited institutions relevant to your audience. Reference library Authoritative backlink resources When covering Moneko, reinforce your narrative with research from reputable organizations. These links open in a new tab so you can quickly cite guidelines while drafting your content. OECD Digital Financial Consumer Protection Global guidance on safeguarding consumers using AI and digital finance tools. Visit resource ↗ World Bank Household Consumption Data Authoritative dataset on household spending patterns across countries. Visit resource ↗ CFPB Budgeting Resources Trusted U.S. government financial education references. Visit resource ↗ Why choose Moneko? See how we stack up against the rest. YNAB Monarch Money Copilot Money Quicken Simplifi Feature M Moneko YNAB Capture without bank sync AI quick-add via text, photo, voice notes, files, or WhatsApp review YNAB Manual entry, direct import, or file import when banks don’t sync WhatsApp budgeting assistant YNAB Personal vs household views One-tap Personal / Household modes with shared widgets & notifications YNAB Share a single budget via YNAB Together (manual coordination) Chat-based "What if?" planning Ask natural-language scenarios in app or WhatsApp and store answers YNAB Loan calculator + manual targets (no conversational planner) Frequently Asked Questions Common Questions Everything you need to know about getting started with Moneko What is Moneko? How does budgeting with Moneko work? Is Moneko free? What tools are available for budgeting? How is my data protected? Is this financial advice? How do I get started? Can I update my budget from WhatsApp? Does Moneko support household or joint budgets? How does AI capture work for receipts and voice notes? Can I track spending without linking bank accounts? What insights or planning tools do I get? Does Moneko support direct import of .xlsx, .csv, or PDF files? Ready to take control? Join thousands of users who are building a healthier relationship with money. Download Moneko today. Download on the App Store GET IT ON Google Play Free to start. No credit card required. Moneko Moneko - Your trusted AI personal finance coach for smart budgeting, goal tracking, investing education, and building lasting wealth. Quick Links AI Financial Education Financial Planning Courses Budgeting & Investment Calculators AI Finance Coach Chat Meet the Team Legal Privacy Policy Terms of Service Cookie Policy Connect Facebook Instagram X Contact Us © 2025 Moneko. All rights reserved.