See where your money stands.
Bring linked and manual accounts into one view, then see balances, investments, debts and net worth without checking each bank.
- Connect bank, card, loan and investment accounts through Plaid
- Add cash, loans or other balances by hand
- Keep each currency separate instead of mixing totals
Your bank sign-in goes to Plaid, not Monio. Monio can read the records you link, but it cannot move your money.
Understand what changed.
Review transactions, spending changes, repeat charges and account trends from one set of checked records.
- Search, rename and correct transaction categories
- Keep transfers, refunds, bills, subscriptions and regular income apart
- Ask short questions about spending, budgets, balances and repeat costs
Monio AI is on by default. Monio tells you once before it is used, and you can turn it off any time in Settings. It works from totals and recent transactions, and never sees account numbers or bank sign-in details.
Plan without daily upkeep.
Use real spending to set category limits and check what the rest of the month may need.
- Start from a first budget Monio sets up from your spending, then change any amount
- Switch between month to date and a month-end projection
- Open the projection to see it broken down by category
Monio never makes payments. It sets up your first budget once; after that, it changes a budget only when you ask.
Share only what you choose.
Invite the person you manage money with while keeping each person's access and records clear.
- Give each household member their own sign-in
- Choose which of your accounts go into the shared view, and keep a household budget together
- Disconnect services, export records or request account deletion
Household members see only the accounts each person shares, and they cannot change your transactions.