Closed beta now open on Android
Moniora logs payments from your banking app notifications and your receipts, then shows how much you can safely spend today and still make it to payday.
Moniora sets aside the bills due before payday, then spreads what is left across the days in between. You get a single daily spending limit, worked out again every morning. Monthly, every two weeks, weekly or daily pay all work. Try it here.
Budgets usually fall apart because every purchase has to be typed in. Moniora takes over that part.
When your bank or wallet app tells you about a payment, Moniora reads it and suggests the entry. Confirm it once, and every notification like it is logged on its own from then on. Moving money between your own accounts counts as a transfer, not spending.
Snap a receipt and the store, total, date and each item fill in. Soap bought with lunch can go under a different category. The photo is read on your phone and never uploaded.
Salaried, paid every two weeks, or earning daily as a driver or freelancer: your limit follows how you get paid.
Keep track of IOUs and send a polite reminder by text, WhatsApp or any app. You press send.
Recurring bills are spotted in your history and set aside before your daily limit is worked out.
Each of these works, as long as you keep typing every purchase. Here is what changes when that part is taken off your hands.
| Feature | Moniora | Notebook | Excel or Google Sheets | Manual budgeting app |
|---|---|---|---|---|
| Logging a payment | Picked up from your payment notifications | Written by hand | Typed in row by row | A form for every purchase |
| Receipts | Photographed, every item filled in | Copied from paper | Typed from paper | Usually the total only |
| What you can spend today | Worked out every morning | Your own arithmetic | Formulas you build yourself | Often a monthly summary |
| Transfers between your accounts | Recognised, not counted as spending | Up to your memory | Separated by hand | Entered twice by hand |
| Bills and subscriptions | Found and set aside before payday | Up to your memory | A separate sheet | Set up by hand as reminders |
| Where your data lives | Encrypted on your phone, no internet access | On paper that can get lost | A file on a laptop or in the cloud | Depends on the app |
Moniora does not ask for internet access. Android itself stops the app from sending your balances, transactions or notifications to any server, ours included. No bank logins, no account to create.
Check your banking and wallet apps and type each balance once.
A day of the month, every week, every two weeks, or daily.
From then on, payments start appearing in Moniora as they happen.
Any app that shows a notification when you pay or get paid. The first time a new kind of notification arrives, Moniora asks you to check it; after that it logs the same kind on its own. A few apps are recognised from day one, and receipts or payment screenshots work from any store or bank.
No. It reads the notifications your phone already shows. It never asks for a bank login or password.
In a spreadsheet you type every purchase and build the formulas. Moniora fills in the entries from notifications and receipts and works out your daily limit. You can still export everything to Excel or Google Sheets at any time.
Start by setting aside the bills that will arrive before your next payday, then divide what remains by the days left. Spending no more than that each day keeps you covered until payday. Moniora does this sum for you every morning.
English and Indonesian, with US dollars and Indonesian rupiah today. More languages and currencies are on the way.
Make a backup on the old phone, move the file, and restore it on the new one. The backup is locked with your password.
Android 8.0 or newer with Google Play services. An iPhone version is not available.
Moniora is in closed beta on Android. Send us an email to try it early.
Join the beta