Card payments and transfers between your own accounts are left out. Money friends pay you back lowers the original expense, and your share of a bill a friend paid counts as yours. Then Monio shows what you really spent and where the month is heading.
Monio is paid for by its subscription. It never sells your data.
What we believe
Three simple rules.
Calm by default
Money software should not compete for your attention. A clear picture beats a stream of alerts.
Honest math
Spending totals open to the transactions behind them, and the month-end projection shows what it is built from.
Yours to keep or take
Your data, your choices. Export it, disconnect a bank, or delete your account whenever you like.