Monio logoMonio
Start free trial

Let Monio AI tune a budget from your own history.

Monio suggests a monthly budget from up to six months of your own spending, and Monio AI can redraft the amounts against your income and fixed costs. Monio AI is on by default and you can turn it off in Settings. Suggestions still work without it, and nothing is saved until you add it.

Start free trialAll features

7 days free, no credit card. Then $7.99 a month.

Ask Monet

How am I doing this month?

You're on track to save this month.

  • Spent so far: $3,506, rent included.
  • Likely by Oct 31: $3,954.
  • Food & Dining is your biggest everyday category at $626.
  • Dinner at Arden's Steakhouse counts as $80 after friends paid you back.
Open Spending

AI Budget Recommendations

What you get.

  • Built on your numbers

    Each amount starts from what you spent in that category over your recent months, not a template made for someone else.

  • Fixed costs protected

    No suggestion goes below fixed costs like rent, loans or insurance, whatever the AI proposes.

  • You decide

    See each amount first. Add them all, or change an amount before you add it. Budgets you already have stay as they are.

How it works

Four simple steps.

  1. 01

    Connect your accounts

    Monio needs about a month of spending to suggest a budget. More history, up to six months, gives steadier amounts.

  2. 02

    Open suggested budgets

    On the Budgets page, see a suggested amount for each category, worked out from your recent months.

  3. 03

    Redraft with Monio AI

    Ask Monio AI to redraft the amounts. It checks them against your income and fixed costs and explains its changes in a short note.

  4. 04

    Add what you want

    Add every amount at once, or change one first. Nothing is saved until you add it.

What the suggestions start from

Monio looks at what you spent in each category in up to six months before this one. Everyday needs like groceries, health and transport keep their usual amount. Extras like dining out, shopping, entertainment and travel get a modest trim.

Fixed costs set the floor. If your rent is $2,100, Housing is never suggested below $2,100. Student loan and mortgage minimums from your lender's statements count toward the floor too.

What Monio AI adds

When you choose Redraft amounts, Monio sends Monio AI a summary: your spending per category, your fixed costs, an income estimate and your recent transactions, with numbers and email addresses removed from bank text. The AI proposes amounts and a short explanation of why.

Monio then checks every amount before you see it. Anything below a fixed cost is raised back to it, and an answer about a category Monio didn't send is ignored. If the amounts add up to more than your usual monthly income, Monio says so, and fixed costs are not cut to make them fit.

Your totals are always worked out by Monio, never by the AI. The AI page on this site lists exactly what it sees for each task.

Monio AI is on by default

Monio AI is on when you start, and Monio tells you once before it is used. Turn it off any time in Settings under Privacy and AI. After you connect your first bank, Monio drafts a first budget on its own, once, with Monio AI's help when it is on.

With AI off, Monio still suggests a budget from your spending, and you can set every amount yourself. Your spending chart, categories and budgets all work without it.

FAQ

Questions, answered plainly.

How many months of spending does it use?
Up to six months before the current one. Monio needs about a month of spending to start, and more months give steadier amounts.
Will it cut my rent or loan payments?
No. Fixed costs like rent, loans and insurance set the floor for their category. No suggestion and no AI change goes below them.
Does this replace my judgment?
No. The AI suggests amounts; you set the final numbers. Change or remove any budget at any time.
Can I use budgets without AI?
Yes. Turn Monio AI off in Settings and Monio still suggests a budget from your spending. Only the redraft needs AI.
Is it included in Monio Pro?
Yes. Every feature is in Monio Pro, $7.99 a month or $80 a year, after a 7-day free trial with no credit card.

More answers on the FAQ page.

Related

Keep exploring.

Try it with your own money.

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

Start free trial