What MONIVO finds in your first week
Most people are leaking
$200–400 every month.
Unused subscriptions
$74/month
Services auto-renewing you forgot about
Dining overspend
$140/month
32% above what people like you spend
Hidden recurring charges
$38/month
Price increases and forgotten trials
Total potential savings
$3,024/year
Found automatically. No spreadsheets.
Inside MONIVO
Three screens.
Complete financial clarity.
Daily Safe Spending
SAFE TO SPEND TODAY
$62
You earn ~$167/day · $31 spent today
74
Good financial health
12% savingsOn budget6-day streak
Expected income$5,200
Projected spending$4,310
Projected savings+$890
Your safe-to-spend number, health score, and month-end forecast — updated every time you log.
Budget Overview
NET MONTHLY INCOME
$6,200
Income
−
$3,450
Fixed
=
$2,750
Available
Fixed 56%Variable 25%Savings 14%
$88/day safe to spend
🛒 Groceries$360/$500
☕ Dining$170/$350
🎉 Fun$60/$200
Income anchors every number. Fixed bills separate from daily spending — so you only track what moves.
Financial Insights
🔥
6-day streak
top 18% of users
Fridays cost you 2.4× moreHigh impact
You spent $162 on dining last week — 32% above your average. Reducing $40/week adds $2,000 to your yearly savings.
$180/month
42% above average on diningQuick win
Reducing coffee by $40/month adds $9,000 over 10 years.
📦 8 active subscriptions detected
Total monthly cost: $76/month
AI recommendations from your actual data — specific amounts, specific categories, specific actions.
What changes
Stop wondering.
Start knowing.
Without MONIVO
Spending randomly with no daily limit
Surprise overdrafts at month end
No idea if you can afford a purchase
Salary disappears — you never know where
Financial anxiety every time you check
With MONIVO
A clear safe-to-spend number every morning
Month-end balance forecasted in advance
"Can I afford this?" answered in 2 seconds
Every dollar tracked to a category in 4 seconds
Financial confidence that replaces anxiety
The score that changes behaviour
Your Financial Health Score.
0 to 100. Updated daily.
78
/ 100
Savings strength
82
Spending discipline
71
Subscription load
65
Cashflow stability
88
Score updates every time you log a transaction
How it works
Financial clarity in under 60 seconds.
1
Enter your income
Salary, side income, passive income. MONIVO builds your complete budget automatically — fixed bills separated from daily spending.
2
See your daily number
Income minus bills minus savings goal, divided by days in the month. One number. Instantly. No spreadsheet needed.
3
Log in 4 seconds
Tap a category, enter the amount. Your safe-to-spend number updates. AI insights unlock after a week of data.
How we compare
Built for one thing.
Done better.
Other apps ask you to change how you think about money. MONIVO just tells you your number.
App
Focus
Daily spending number
AI insights
Free tier
Setup time
MONIVO
Daily spending clarity
✓ Core feature
✓ Included
✓ 7-day free trial
60 seconds
YNAB
Budgeting philosophy
✗ Complex setup
✗ Not included
✗ $109/year
Hours
Monarch
Family finance
✗ Not core
✗ Limited
✗ $100/year
30+ min
Rocket Money
Subscription cancel
✗ Not featured
✗ Basic
~ Limited
5 min
Copilot
Premium UX
~ Indirectly
✓ Good
✗ $13/month
20+ min
Comparison based on publicly available information, 2025.
Everything you need
One engine.
Ten powerful features.
Safe to spend — one number Free
Income minus fixed bills minus savings, divided by days remaining. One clear number, updated in real time.
Income-anchored budgets Free
Salary, side income, and passive income feed your budget automatically. Fixed bills separated from what you actually track.
Spend Personality Quiz Free
5 questions at onboarding that classify you as Planner, Splurger, Avoider, or Balancer — then auto-configure your budget template.
"Afford It?" Simulator Free forever
No login required. Enter any amount and see working time to earn it, % of income, and 10-year invested value. Shareable result link.
True Cost Converter ★ Pro
Every entry reveals working time, % of daily budget, 10-year compound cost, and daily habit impact. 7 context-aware insight variants.
Receipt Photo Logging ★ Pro
Point at any receipt — all line items extracted automatically. 97% accuracy. Image deleted from memory immediately — never stored.
Bill Calendar & Alerts ★ Pro
Monthly calendar with every bill marked. Danger zone detection: 3+ bills within 3 days triggers an automatic alert 3 days before.
Irregular Income Mode ★ Pro
For freelancers and contractors. Log payments as they arrive. Pace-based month-end forecast and safety floor built from actual received income.
Couples & Household Mode ★ Pro
Shared safe-to-spend from combined incomes. Each person logs independently. Partner gets a 30-day trial. Your salary is never visible to them.
MONIVO for Teams Teams
Full Pro for every employee at $8/seat/month. HR admin portal shows only aggregate adoption — never individual financial data.
See the future before it happens
Your month-end balance,
forecasted in real time.
At your current pace
Month-end balance: $940
→
If you reduce dining by $120
Month-end balance: $1,060 +$120
MONIVO shows you this before the month ends — so you can still act on it.
Simple pricing
Start free.
Upgrade when you're ready.
Monthly
Annual
Save 25%
Free Trial
$0/mo
7 days — no credit card
Build the habit, risk-free
Full core app for 7 days. One trial per email address.
- ✓ Safe-to-spend daily number *
- ✓ Income-anchored budget *
- ✓ Daily logging + health score *
- ✓ Month-end forecast *
- ✓ Spend Personality Quiz
- ✓ "Afford It?" simulator — free forever
- ✓ True Cost: work-time only (1 of 5)
- ✓ Irregular income: toggle only *
Most popular
Pro
$4/mo
Billed monthly
Full spending intelligence
For people serious about building better money habits.
- ✓ Everything in Free
- ★ True Cost Converter — all 5 insights
- ★ Receipt Photo Logging (OCR)
- ★ Bill Calendar + danger zone alerts
- ★ Irregular Income full forecasting *
- ✓ Unlimited AI recommendations *
- ✓ Subscription detector *
- ✓ CSV / PDF export *
Best value
Premium
$8/mo
Billed monthly
Pro + couples & households
Everything in Pro, plus household budgeting for couples and families.
- ✓ Everything in Pro
- ★ Couples & Household Mode
- ★ Partner gets 30-day free trial *
- ★ Shared safe-to-spend number *
- ★ Income privacy guaranteed *
- ✓ Advanced spending forecasts *
- ✓ Net worth tracking *
- ✓ Priority support *
For teams
Enterprise
$12/seat
per month · min 5 seats
Wellness for your workforce
Full Premium for every employee. HR sees aggregate data only — never individual finances.
- ✓ Full Premium for every employee *
- ✓ HR admin adoption dashboard *
- ✓ Aggregate-only stats (privacy-by-design) *
- ✓ CSV bulk invite *
- ✓ Custom onboarding email branding *
- ✓ Onboarding call (25+ seats) *
- ✓ SSO / SAML (100+ seats) *
- ✓ SLA + dedicated support *
Annual plans save 25% · Cancel anytime · No hidden fees
* Coming soon
Social Proof
What our users are saying
★★★★★
"MONIVO is the only app that actually changed my spending habits. Knowing my daily number stops me from second-guessing every purchase."
JD
James D.
Verified User
★★★★★
"The privacy-first approach is what sold me. No bank logins, no data harvesting. Just a clean, powerful tool that works."
ML
Maria L.
Verified User
★★★★★
"I've tried every budget app out there. MONIVO is different. It's fast, intuitive, and actually gives me peace of mind."
RK
Robert K.
Verified User
Why MONIVO exists
Most apps show what you already spent.
We answer a better question.
Every morning, millions of people make spending decisions with no real information. They guess. They overspend. They check their balance and feel anxious.
MONIVO was built to answer one question before you spend: "Can I safely afford this today?"
Not yesterday's balance. Not last month's summary. Your safe spending number — right now — based on your income, bills, and savings goals.
No bank login
Private by design
10 seconds
To your daily number
One habit
Check before you spend
Check MONIVO
before you spend.
Know your number. Build the habit. Keep more of what you earn.
7-day free trial · No credit card · No bank linking required
MONIVO
MONIVO