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Features

Everything Monio does, in plain words.

Monio connects your bank accounts and cards, works out what each transaction means, and shows your true spending, your budget and where the month is heading.

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October

Overview

Spent so far

$3,506

Likely by Oct 31

$3,954

$448 more expected by month-end.

Income
$6,250
Savings rate
44%
Monio Score
78

  • Trader Joe's

    Groceries · Amex

    -$66.30

  • Arden's SteakhousePaid back

    Food & Dining · Amex

    -$80.00

    $320.00

  • Concert ticketsYou owe Sam

    Lifestyle · Sam paid

    -$120.00

  • UniqloRefunded

    Shopping · Amex

    $0.00

    $120.00

Example figures. Try the Month to date / Projected switch.

Spending

Spending you can trust.

Monio sorts every transaction before it adds anything up. Card payments and transfers between your own accounts are left out, and refunds reduce the purchase they belong to.

  • A daily spending chart for the month. Select a day to see its transactions.
  • Spending grouped into a short list of categories that stays stable.
  • Fix a category for one transaction, a merchant, or every match, and Monio remembers.
More about spending
October by category, so farExample
  • Housing$2,100
  • Food & Dining$626
  • Lifestyle$211
  • Shopping$194
  • Transportation$164
  • Bills & Services$143

Shared costs

Only your share counts.

Connect Splitwise and Monio links each shared bill to the card charge. When friends pay you back by Venmo or Zelle, that money reduces the original expense instead of looking like income.

  • Works when you paid, when someone else paid, and before anyone settles up.
  • Open a shared charge to see your share and who owes you the rest.
  • Asks you only when a match is unclear, with a short list of real options.
More about Splitwise
A group dinner, split four waysExample
Card: Arden's Steakhouse
−$320.00
Venmo from 3 friendsPaid back, not income
+$240.00
Your spending
$80.00

Budgets

A budget drafted from your real spending.

Monio sets up a first budget from your last few months. Fixed costs like rent set the floor, so it never asks for a cut you cannot make. Change or remove any amount.

  • Shows total budgeted, total spent and where the month is heading.
  • Spending in categories without a budget still counts in your total.
  • Ask Monio AI to rebuild it. A rebuild saves nothing until you confirm.
More about budgeting
October budgetExample
Housing$2,100 of $2,100

Can't be set below rent

Food & Dining$626 of $650
Transportation$164 of $250
Shopping$194 of $250

Month ahead

See where the month is heading.

Switch between month to date and a month-end projection, so you know where your spending is likely to land before the month is over.

  • See month to date and month-end side by side.
  • Open the projection to see it by category.
  • Your savings rate and Monio Score follow the same month.
More about planning
October, through Oct 24Example
Spent so far, rent included
$3,506
Still to come
+$448
Likely by Oct 31
$3,954

Security

Private by design.

You sign in to your bank inside Plaid's window, so your login never reaches Monio. Monio can see your balances and transactions, but it can never move money.

How Monio protects your dataWho is Plaid?
  • Read your transactions and balancesYes
  • Move money or make paymentsNever
  • See or store your bank passwordNever
  • Sell your dataNever
  • Export or delete everything, any timeYes

Also in Monio

The rest of your money, in one place.

Everything is included in Monio Pro. There are no add-ons to buy.

  • Subscriptions and bills

    Recurring charges are found for you, weekly to yearly, and shown as a monthly cost. Price increases are pointed out.

    Learn more about subscriptions and bills

  • Household view

    Invite a partner for $5 a month. Each person chooses which accounts to share, and money moved between you is not counted twice.

    Learn more about household view

  • Monio Score

    One score for how well you manage money, not how much you have. Each part is explained, and missing data shows as missing, not zero.

  • Ask Monet

    Ask questions about your spending in plain words. Monet reads your recent activity and Monio's own totals. Monio AI is on by default; you can turn it off in Settings.

  • Card credits

    See the statement credits your cards offer, how much you have used this period and what is left. A credit lowers the purchase it paid for.

  • Accounts and net worth

    Balances from checking, savings, cards and investments in one place, plus manual accounts. Hide balances when you want.

    Learn more about accounts and net worth

  • Fixed costs

    Rent, loans, insurance and utilities are spotted for you. They set budget floors, so a budget never undercuts them.

    Learn more about fixed costs

  • Corrections that stick

    When you change a category or mark something as a transfer, new syncs keep your choice.

Try it with your own numbers.

Connect an account and Monio shows your month in a few minutes. 7 days free, no credit card.

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