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See where your money really goes.

Spending in Monio is what you really spent. Transfers between your own accounts and card payments are left out, and refunds and money friends paid back reduce the original purchase. Explore it day by day, by category, or ask a question in plain words.

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Spending over time · October

$1,406

Recorded through Oct 24 · Everyday spending, rent not included

Choose a day in October

Tap or hover a day for its total; what made it up shows below.

What made up Oct 13

  • Arden's SteakhousePaid back

    Food & Dining · Amex

    -$80.00

    $320.00

  • Trader Joe's

    Groceries · Amex

    -$36.00

Spending on Oct 13$116.00

Example chart with made-up figures: net spending for each day of October through Oct 24, totaling $1,406.07 not counting rent.

Spending Insights

What you get.

  • A chart for every day

    See spending for each day of the month. Select a day to open its transactions, and fix a category right there.

  • Categories that stay put

    Spending is grouped into a short list of categories. Change one transaction, a merchant going forward, or every match.

  • Ask Monet

    Ask questions in plain words, like how much you spent on groceries. Monet uses Monio's own totals and your recent transactions.

How it works

Three simple steps.

  1. 01

    Connect your accounts

    Link your bank and cards through Plaid. Monio brings in up to 24 months of history, depending on your bank.

  2. 02

    Monio sorts each transaction

    Each one is marked as spending, income, a transfer, a card payment or a refund before anything is added up.

  3. 03

    Explore and correct

    Look by day or by category. When you fix something, Monio keeps your choice on future syncs.

FAQ

Questions, answered plainly.

Where do Monet's numbers come from?
Monio works out the totals first. Monet explains them in plain words and does not do the math on its own.
Can I turn the AI off?
Yes. You can turn Monio AI off in Settings. Your spending chart, categories and budgets work without it.
Does Monio sell my data?
No. Monio does not sell personal data. See the Privacy Policy for details.

More answers on the FAQ page.

Related

Keep exploring.

Try it with your own money.

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