Built for three kinds of people

Pick your user type on first launch. Monspend reshapes itself around how you actually think about money — the Summary Card labels, category lists, and even the AI's tone all adapt.

👤

Individual

Track salary, rent, groceries, subscriptions, and everything in between. Set monthly category budgets and see where the month is really going — today and at end-of-month projection.

💻

Freelancer

Client and project fields, invoice numbers, due dates, and built-in VAT tracking. See expected payments vs. overdue at a glance. Multi-currency built in for cross-border clients.

🏪

Small Business

Revenue vs. profit view, VAT-in / VAT-out summary, personnel and inventory categories. Organizational clarity without accounting-software overhead.

Everything ships on day one

All of the below are in v1 — not a roadmap, not a "coming soon."

Subscription Manager

32+ one-tap presets across global + US + DE + ES + TR markets. Trial tracking with auto-reminder before silent conversion. Per-sub currency. Pause without losing history.

Receipt OCR

Tap the camera in the Quick-Add sheet. Gemini multimodal reads merchant, amount, currency, date, category — and pre-fills the form. Blurry receipts fall through to a manual Add; nothing ever auto-saves.

Voice entry

"Hey Siri, log $14 coffee." "Hey Google, add a $28 lunch expense." Handed over via Siri Shortcuts (iOS App Intents) and Android shortcuts.xml — works on the lock screen.

"Ask Monspend" AI

Ask "what did I spend on food last month vs this month?" and get a structured answer with a tappable drill-down. Queries are unlimited on every tier; Pro unlocks unlimited AI-assisted inserts and receipt scans.

Home-screen widgets

SwiftUI widget on iOS 17+, RemoteViews on Android. Today's balance, end-of-month projection, upcoming installments, and next renewal — all at a glance.

Credit cards & installments

Track statement and due dates; per-card currency for travel/international cards; installment plans with progress rings; total monthly burden across every card.

Category budgets

Monthly cap per category with 80% warning and 100% exceeded notifications. Progress bar on each category detail page. Clear by setting the cap to zero — no extra delete step.

18 currencies + live FX

TRY, EUR, USD, GBP, JPY, CHF, SAR, AED, CNY, RUB, CAD, AUD + LatAm (MXN, ARS, COP, CLP, PEN, BRL). Locale-aware input parsing so 25.50 (USD) and 25,50 (TRY) both work correctly.

Dormant-subscription detector

Local-only computation: flags subs whose linked card hasn't been charged in 60+ days. The AI can cite the list by name when you ask "find unused subscriptions."

Weekly digest (Pro)

A short Gemini-narrated summary of the week's spend delivered on Sunday evening. Auto-off by default; enable in Settings.

Export your data

CSV on the free tier. CSV + Excel + monthly PDF report on Pro. Deep links make record-sharing easy. Your data is yours.

Five UI languages

English, Deutsch, Español (Spain), Español (LatAm), and Türkçe — each with locale-tailored onboarding copy that pitches the feature that matters most in that market.

Privacy isn't a feature. It's the architecture.

Here's exactly what happens with your data.

✓ What stays on your device

All transactions, categories, budgets, and notes
Credit-card nicknames and statement dates
Installment plans and progress
Every subscription you track — names, renewal dates, amounts
Receipt photos you scan (OCR happens via a single stateless API call; we do not retain the image)
Your preferences and user-type settings

✗ What we never collect

Your name, email, or phone number (no account needed)
Bank credentials, full card numbers, CVV
Actual bank transactions (we don't connect to banks)
Raw microphone audio — voice commands are processed by the OS (Siri / Google Assistant)
Anything we could sell — because we don't sell data

"Ask Monspend" and receipt OCR are powered by Gemini 2.5 Flash via Firebase AI Logic, gated by Firebase App Check (Play Integrity on Android, App Attest on iOS). We send only an anonymized numeric summary — never raw transactions, notes, or counter-party names — and no API key ever reaches the client. Anonymous crash & analytics data is collected via Firebase and is opt-out. The free tier shows AdMob ads (removed in Pro). Full details in our Privacy Policy.

Simple pricing

Free to start. Upgrade only if you want more.

Free

✓ Core income, expense, subscription, and installment tracking
✓ Unlimited AI questions
✓ 5 AI-assisted inserts per day
✓ 2 receipt scans per day
✓ 1 manual FX-rate refresh per day
✓ Per-currency dashboard breakdown
✓ CSV export
✓ All five languages and dark mode
✗ AdMob banner

Start free

SAVE 50%

Monspend Pro

$29.99 / year

or $4.99 / month · 3-day free trial (first-time users)

✓ Everything in Free, no ads
✓ Unlimited AI inserts, receipt scans, and FX refreshes
✓ PRO-gated blended cross-currency dashboard total
✓ Weekly Gemini digest narrative
✓ Excel & PDF monthly reports
✓ Unlimited cards, income sources, and history
✓ Freelancer & small-business features, VAT tracking
✓ Home-screen widgets (iOS 17+ & Android)

Start Pro trial

Prices are illustrative and may vary by region and local tax. Regional prices (TR, DE, ES, JP) are shown at checkout inside the App Store or Google Play.

Budgets that include your subscriptions.

See it in action