Take control of your money.
All of it.
Any bank. Any country. One dashboard.
14-day free trial. No credit card required.
Every finance tool asks too much.
Too much time.
We ask for one statement.
Upload a statement. See everything.
Upload your statement
AI extracts all transactions instantly
Works with any bank statement. No connections needed.
Everything you need to master your money.
See where your money goes
AI categorizes every transaction the moment you upload a statement. Interactive charts break down your spending by category and time period so patterns become impossible to ignore.
- Automatic AI-powered categorization across 50+ categories
- Interactive donut chart with drill-down by category
- Month-over-month spending trends and comparisons
- Full searchable transaction history with smart filters
Understand the full picture of money in and out
A sankey chart shows exactly how income flows into expenses and savings. See your true savings rate, track recurring income streams, and spot months where spending creeps up before it becomes a problem.
- Sankey chart visualizing income to expenses flow
- Savings rate tracked automatically each month
- Income vs. expense breakdown with category detail
- Historical trends to spot seasonal spending patterns
Set limits that actually stick
Create budgets by category and watch real-time pace indicators tell you if you're on track. No guessing, no end-of-month surprises. The left-to-spend sidebar keeps your remaining budget front and center.
- Real-time pace indicators: on track, ahead, or behind
- Left-to-spend sidebar updated with every transaction
- Category-level budgets with rollover support
- Smart alerts when spending approaches your limit
Your entire portfolio in one view
Track brokerage accounts or enter holdings manually. See total portfolio value, performance over time, asset allocation across accounts, and individual holding details — all without giving anyone your login credentials.
- Portfolio performance chart with custom date ranges
- Asset allocation breakdown across all accounts
- Individual holdings with gain/loss tracking
- Multi-account view: see everything in one place
Your complete financial picture, updated live
Track every asset and liability in one dashboard. Watch your net worth chart grow over time. Bank accounts, investments, property, vehicles, debts — everything rolls up into a single number you can track month over month.
- Assets vs. liabilities breakdown at a glance
- Net worth trend chart with monthly data points
- All account types: banks, brokerages, property, crypto
- Automatic updates as new statements are processed
Know when you can stop working
Real projections based on your actual spending, savings rate, and investment returns — not generic online calculators. Add life events, adjust assumptions with what-if levers, and see how each decision moves your financial independence date.
- Projection chart based on your real financial data
- What-if levers: adjust savings, returns, and expenses
- Life events timeline: kids, house, career changes
- Monte Carlo confidence bands for realistic ranges
Ask anything about your finances
A conversational AI that knows your data and speaks plain English. Ask about spending trends, compare months, get explanations for unusual charges, or explore what-if scenarios — all without leaving the app.
- Natural language queries about your financial data
- Contextual answers based on your actual transactions
- Spending comparisons, trend analysis, anomaly detection
- Privacy-first: your data is AES-256 encrypted and never leaves the platform
Your data, locked down.
Built with the same encryption standards used by banks and governments. Here's exactly what protects your financial data.
Military-Grade Encryption
AES-256-GCM field-level encryption
Every sensitive field — transaction amounts, descriptions, account names, holdings — is individually encrypted using AES-256-GCM, the NIST-approved standard used for classified data.
- Per-user encryption keys — your data is isolated and uniquely secured
- Google Cloud KMS master key management (envelope encryption)
- Tamper-proof ciphertext bound to each user, document, and field
No Bank Login. Ever.
Upload-only — no aggregators, no credentials
Unlike apps that require your bank credentials, Monavio never connects to your bank. No aggregators. No screen-scraping. No stored passwords. You upload statements on your terms.
- No third-party aggregators like Plaid or Yodlee
- Your bank credentials stay with your bank — always
- Works with any bank in any country — just upload a PDF or CSV
Enterprise-Grade Infrastructure
Google Cloud certified platform
Your data runs on the same infrastructure trusted by millions of businesses worldwide. Google Cloud's certifications and our security architecture provide multiple layers of protection.
- Defense in depth: TLS 1.2+, rate limiting, App Check verification
- Built on Google Cloud (SOC 2 / ISO 27001 certified infrastructure)
- GDPR-ready: per-user keys, on-demand deletion, full data portability
$3/month.
No, really.
Other apps charge $10-15 for less.
Billed annually. Save up to 40%.
Basic
$3 /month
- 10 statements/month
- 100 AI queries
- Core features
- 1 year history
Protected by AES-256 encryption
Plus
$5 /month
- 25 statements/month
- 300 AI queries
- Full FI planning
- 3 year history
Protected by AES-256 encryption
Pro
$7 /month
- 50 statements/month
- Unlimited AI
- All features
- Full history + Data export
Protected by AES-256 encryption
14-day free trial. No credit card required.
Got questions?
Your data is protected by AES-256-GCM field-level encryption — the same standard used by governments for classified information. Every sensitive field is encrypted individually with your own unique encryption key, managed through Google Cloud KMS. We run on Google Cloud's SOC 2 / ISO 27001 certified infrastructure. Your data is yours: you can export or delete everything at any time.
You upload your bank statement as a PDF or CSV — no bank login, no third-party connections. Our AI reads the statement and extracts every transaction automatically. Because we work with files instead of bank credentials, it works with any bank in any country. Your login stays with your bank.
The AI extracts and categorizes transactions with high accuracy, and every statement is processed in seconds. You can review and adjust any category with one tap, and the system learns your preferences over time — so it keeps getting better the more you use it.
Yes. Add as many accounts as you want — checking, savings, credit cards, investments, crypto. Upload statements from different banks and everything rolls up into one dashboard with unified spending, budgets, and net worth tracking.
You choose a plan or your account pauses. No surprise charges. Cancel anytime.
Ready to take control?
All your finances. One dashboard. From $3/month.