We've been adding more things you can do directly through WhatsApp and Telegram.

You can now just message things like:

• Show me my recurring expenses
• What bills are coming up?
• Show my payment history
• Mark my phone bill as paid
• How much have I spent this month?
• Show me a chart of my spending

The idea is to make checking and updating your finances feel more like sending a message than maintaining a budgeting app.

If you use WhatsApp or Telegram with Moneko AI, give it a try. Thanks for all the feedback! Please keep it coming.

Hi,

We know a lot of you use email receipt capture, so this update makes it easier when AI isn’t 100% sure about a receipt.

If AI can’t confidently read a forwarded receipt, you’ll now get quick options to confirm the details yourself instead of a generic error.

We also:

• ⚡ Made adding, editing & deleting transactions faster
• 🔄 Fixed duplicate recurring transactions
• 👛 Fixed incorrect wallet balances

For those using email receipt capture: how has it been working for you? What would make it better?

Keep the feedback coming. It really helps us decide what to improve next!

View the latest changelog here.

Hi everyone! We've just released Moneko 3.0, one of our biggest updates yet. A huge thank you to everyone who's shared feedback, bug reports, and feature requests!

What's new in 3.0

🔄 Smarter recurring transactions

• View payment history
• Confirm completed payments
• Better recurring transaction management

💬 Manage recurring payments with AI

• Create and edit recurring expenses directly through WhatsApp & Telegram

📊 Better financial insights

• Browse reports from previous months
• Filter your dashboard by custom date ranges
• Exclude selected wallets from financial summaries

🌍 More currency support

• Added Mauritian Rupee (MUR) and Moldovan Leu (MDL)

✨ Lots of quality-of-life improvements

• Better receipt importing
• Easier transaction editing
• More reliable Android notification capture
• Faster performance and smoother navigation
• Numerous bug fixes and reliability improvements

As always, we're building Moneko based on your feedback, so please keep it coming. We'd love to hear what you think of 3.0 and what you'd like to see next.

More details can be found on our Changelog.

-------

Want your unused budget to carry over to next month? Here's how:

1. Go to Budget.
2. Tap the Pocket you want to edit (e.g. Buffer, Groceries, Vacation).
3. Tap Edit in the top right.
4. Scroll down to Carry unused budget forward.
5. Turn it On to reveal more rollover settings.

You can then customize:

• 🔄 Carry unused budget forward – Unspent money rolls into next month.
• 📉 Carry overspending – Choose whether overspending reduces next month's budget.
• 💰 Opening rollover – Set your starting envelope balance when moving to Moneko.
• 🚧 Maximum rollover – Limit how much unused money can accumulate.

Each Pocket has its own rollover settings, so you can enable it for savings or vacation funds while leaving it off for categories like dining out. This gives you complete control over how each budget behaves month to month.

Give it a try and let me know what you think! I'd love to hear your feedback in the comments.

Hi everyone,

It's been a year since we launched Moneko, and I just wanted to say a huge thank you to this community. Many of our early users came from r/GenAIApp, and your feedback has helped shape the product over the past year.

We built Moneko because budgeting apps still expect people to manually enter and categorise everything. We thought AI could remove most of that work instead.

Today, Moneko can:

• 💬 Capture expenses from WhatsApp & Telegram
• 🧾 Read receipts and email receipts
• 🎙️ Understand text/voice notes
• 📱 Track spending from Android notifications
• 🏦 Import transactions from supported banks (Plaid)
• 🗂️ Organise your money into Pockets for groceries, rent, savings, and more

Then AI automatically categorises expenses and updates your budgets. Beyond personal budgeting, you can also:

• 👨‍👩‍👧 Share budgets with your partner, family, or roommates
• ⚖️ Split expenses automatically and keep track of who owes what
• 💳 Automate expense logging with Apple Pay and Shortcuts/Siri
• 🌍 Track multiple currencies with real-time exchange rates
• 📈 See your total net worth across all wallets and accounts
• 🔒 Protect your data with Face ID, Touch ID, or passcode (App Lock)
• 📶 Access your data offline, with automatic sync when you're back online
• 👨‍👩‍👩‍👧 Support Apple Family Sharing for Pro subscriptions
• 📄 Import CSV files from different banks with automatic language detection
• ❤️ Get Monthly Health Reports with AI-powered insights
• 📊 Forecast your cash flow and upcoming recurring expenses

Free plan

We recently introduced a Free plan, which includes all the core budgeting features, including shared budgets, expense splitting, Pockets, and basic expense tracking.

Over the past year we've shipped updates almost every week. We're still a tiny team, but we're excited about where Moneko is heading.

A small thank you ❤️

To celebrate our first anniversary, we're offering 20% off all Pro plans purchased through our website.

Use code SAVE20 at checkout on our website.

📱 iOS: https://apps.apple.com/us/app/moneko-ai-expense-tracker/id6753925279

🤖 Android: https://play.google.com/store/apps/details?id=com.moneko.mobile

Thanks again to everyone who's supported us over the past year. We really couldn't have done it without this community!!!

Hi everyone,

A year ago, we launched Moneko on the App Store. Thank you to everyone who's downloaded it, shared feedback, reported bugs, and suggested new features!

What Moneko does differently

Instead of relying on manual entry, Moneko lets you track expenses from wherever they happen.

You can:

• 💬 Log expenses from WhatsApp & Telegram
• 🧾 Scan or forward receipts
• 🎙️ Add expenses with voice notes
• 📱 Capture spending from mobile notifications
• 🏦 Connect your bank (Plaid-supported regions)

Once your expenses are captured, you can:

• 🗂️ Organise money into Pockets for groceries, rent, subscriptions, savings and more
• 👨‍👩‍👧 Share budgets with your partner, family, roommates or friends
• ⚖️ Split expenses automatically and keep track of who owes what
• 🤖 Ask Moneko questions like "What changed this month?" before your budget gets away from you.

Free plan

We also recently introduced a Free plan. If you're simply looking for an app to manage personal or shared expenses, you can use those features without paying. The free plan includes all the core budgeting experience, including:

• Shared Spaces
• Splitting expenses
• Budgeting with Pockets
• Basic expense tracking

Over the past year we've continued shipping updates almost every week based on user feedback. Some of the biggest additions include:

• Auto expense logging
• Receipt scanning
• WhatsApp & Telegram integration
• Siri & Shortcuts
• Android notification capture
• Multi-currency support
• Cash flow forecasting
• Monthly Health Reports

A small thank you ❤️

To celebrate Moneko's first anniversary, we're offering 20% off all Pro plans purchased through our website. Use code SAVE20 at checkout on our website.

📱 App Store: https://apps.apple.com/us/app/moneko-ai-expense-tracker/id6753925279

📱 Google Play: https://play.google.com/store/apps/details?id=com.moneko.mobile

Hey everyone! We just shipped another update focused on reliability and polishing some of our newer features.

Here's what's new:

• 📱 Android notification expense capture is now much more reliable and avoids duplicate or invalid transactions.
• 📊 Monthly Health Reports now load faster and display more consistently.
• 💱 Fixed recurring transactions when using multiple currencies.
• 👨‍👩‍👧 Household subscription sharing is more reliable when members join or accept invitations.
• 💳 Improved how transaction currencies, wallets, recurring schedules, and shared expenses are handled.
• ⚡ General bug fixes, stability, and performance improvements.
• More details can be found on our changelog

We're continuing to focus on making budgeting require less maintenance while improving reliability behind the scenes.

As always, let us know what you'd like to see next! 💜

Hey everyone,

It's been a few months since I last shared Moneko here. First, thank you to everyone who downloaded it, tested it, and shared feedback. A lot of the improvements over the past few months came directly from conversations in this community.

The app is free to download, with a free plan for anyone who wants to try it before deciding whether to upgrade.

Since the last update, we've added quite a bit:

• Plaid bank sync for supported US and Canadian banks
• Android auto expense logging from bank and wallet notifications
• Multiple currencies in the same Space with live exchange rates and a primary currency
• App Lock with Face ID, Touch ID, fingerprint, and passcode
• AI expense logging through chat, voice, receipts, WhatsApp, Telegram, and email receipts
• Shared budgeting for couples, families, roommates, and trips
• Envelope budgeting (with free templates to get started)
• Cash flow forecasting and safe-to-spend insights
• Receipt scanning with automatic categorization
• Apple Wallet automation
• Better wallet transfers, dark mode, and lots of bug fixes
• Budget Rollover (Coming Soon)

One thing we've been focusing on is reducing the amount of work budgeting takes. Instead of manually categorizing every transaction, we're trying to automate as much of the repetitive work as possible.

Budget rollover is also ready and will be rolling out soon. That has easily been one of the most requested features.

Thanks for all the support and feedback! We have plenty more updates on the roadmap, stay tuned!

Hey everyone! It’s been a little while since our last update, so here’s what we’ve been building for Moneko.

The biggest addition is bank sync. We’ve started rolling out Plaid integration for supported US and Canadian banks, which has been one of the most requested features.

We also added App Lock, so you can protect your financial data with Face ID, Touch ID, fingerprint, or a passcode.

Android users also get a nice upgrade. Moneko can now read the payment notifications your bank and wallet apps already send to your phone and automatically log those expenses. No screenshots or manual entry needed.

Another feature I’m excited about is multi-currency Spaces. You can now use multiple currencies inside the same Space, choose one as your primary currency, and Moneko automatically converts everything using live exchange rates. This has been especially useful for travel, freelancers, international couples, and anyone earning or spending in multiple currencies.

Other improvements:

• Better wallet transfer experience
• Improved dark mode
• Fixed receipt saving and transaction display issues
• General bug fixes and performance improvements

As always, thank you to everyone who keeps sending feedback. A lot of these features started as conversations right here on Reddit. 🙌

More changelog here: https://moneko.io/changelog

Hey r/monekobudget,

Our biggest update yet.

Over the past few weeks, more of you have been using Moneko every day and your feedback helped us find where we could make the experience better.

With v2.0.0, we upgraded the platform and rebuilt core parts of the app so Moneko feels faster, smoother, and more reliable.

What’s new:

⚡ Instant saving
Everything saves instantly. Log expenses, update budgets, move money. Changes happen immediately.

📶 Offline access
Keep tracking even without internet. Your data stays available and syncs automatically once you're back online.

🚀 Faster performance
The app now loads quicker and feels more responsive across every screen.

⌨️ New number pad
Entering amounts is faster and easier.

📊 Monthly Health Report
A new insights page to help you understand:
• spending pace
• budget safety
• bill coverage
• projected month end buffer

🛠 UI improvements and reliability updates
Cleaner flows, smoother interactions, better stability, and lots of fixes across the app.

This release lays the foundation for what comes next and we’re excited to keep building.

Check more updates here: https://moneko.io/changelog

Update Moneko and let us know what feels faster or what we should improve next!!

Hey r/monekobudget,

A lot of users told us they prefer quick walkthrough videos over long onboarding screens or reading docs, so we started building a Moneko tutorial library on YouTube 🎥

https://www.youtube.com/@moneko_ai/playlists

Videos include things like:
• Logging expenses
• Spaces & shared budgets
• Wallets & net worth tracking
• Envelope budgeting with Pockets
• Recurring expenses

Still very early, and we’re actively adding more tutorials, examples, and real workflows over time.

If there’s a feature you want explained, let us know and we’ll probably make a video for it 🙂

Hey r/monekobudget,

Just wanted to share that the new Moneko Help Hub is now live:

https://moneko.io/help

We’ve been adding setup guides, tutorials, walkthroughs, and explanations for features like:

• Spaces
• Wallets
• Pockets / envelope budgeting
• Apple Wallet automation
• WhatsApp expense logging
• Email receipt capture
• Shared expenses
• Recurring bills and income
• Import / export

The goal is to make Moneko easier to understand without needing long onboarding screens inside the app.

If there’s anything confusing in the app or any tutorial you’d like us to add, let us know there or in this subreddit. We’ll keep updating it over time.

Hi r/monekobudget,

A lot of expenses never get tracked because they sit in your inbox. Online shopping receipts, subscriptions, travel bookings, app store purchases… they don’t make it into your expense tracker, so your budget is always slightly off.

We built Email Receipt Capture in Moneko Expense Tracker to solve this. Instead of manually entering everything, you can just forward receipt emails and have transactions logged automatically.

Here’s the quick setup:

1. Turn on Email Receipt Capture
Go to Profile settings → Email Receipt Capture and enable it.

2. Set your default space and wallet
Choose where transactions should go (personal or shared) and which wallet to use. This keeps everything organized automatically.

3. Copy your forwarding email
You’ll get a unique forwarding email (files@inbound.moneko.io). Save it as a contact so it’s easy to use.

4. Add approved sender emails
Only receipts from approved email addresses will be processed, so add any inboxes you use for purchases.

5. Forward your receipts
Forward any receipt email or attachment (PDF, CSV, XLS, XLSX). Moneko extracts the merchant, amount, and date, then logs the expense for you.

This works especially well for:

• online shopping receipts
• subscription invoices
• travel bookings
• digital purchases

It’s basically a way to automate expense tracking without connecting bank accounts or manually entering transactions.

If you want the full step-by-step guide with screenshots:
See the setup guide here

Thanks, and I’d love for you to try it and tell me what works, what doesn’t, and what you want us to improve next.

Hey everyone,

We just shipped Wallets in Moneko.

Before this, Moneko helped you track spending with pockets.
Now you can also track your actual money, balances, and net worth over time.

This fixes a common gap: “I can see my budget… but how much money do I actually have?”

Now you can see both.

🧠 First, understand how everything connects

Moneko has 3 simple layers:

• Spaces → different parts of your life
• Wallets → where your money lives
• Pockets → what you spend on

🏠 Spaces (top level)

A Space can be:

• Personal
• Couple
• Trip
• Roommates

Each Space is fully independent

💰 Wallets live inside a Space

Each Space can have multiple wallets

👉 Example (Couple Space):

• Joint Account
• Savings
• Travel Fund

If you share a Space with someone:

• you also share the wallets inside that Space
• everyone sees the same balances and transactions

💱 Currency is controlled at the Space level

Each Space has one currency

• if you change currency for the Space
• all wallets inside automatically update

No need to manage currency per wallet.

🚀 What you can do with Wallets

1. See your total net worth (by month)

At the top of Wallet tab:

• total balance across wallets
• monthly trend
• total income vs total spent

This gives you a real financial snapshot

2. Create your first wallet

Tap + New Wallet

You can:

• name it (Cash, Savings, Travel)
• set an initial balance
• choose color and icon
• set a goal amount

👉 Example
Japan Trip
Balance: 0
Goal: 3000

3. Track goals naturally

Once you set a goal:

• progress updates automatically
• no extra setup

Great for:

• trips
• savings
• big purchases

4. Choose wallet when logging transactions

When you log an expense or income, you can select which wallet it belongs to

Example:

• Coffee $3 → from Cash
• Salary $3000 → into Bank

So every transaction:

• updates your category
• AND updates your real balance

5. Set a default wallet for speed

Mark a wallet as Primary

• used automatically when logging
• faster daily usage

6. View details inside each wallet

Tap any wallet to see:

• balance
• insights
• recent transactions

This helps answer:

where did money from this account go?

7. Transfer between wallets

Move money anytime:

• from → to
• amount
• optional note

👉 Example:

Move 300 from Cash → Travel Fund
Note: monthly saving

8. Customize your wallets

Each wallet can have:

• color
• icon
• custom name

So it matches real life.

🔁 How this works with Pockets

Pockets = what you spend on
Wallets = where money comes from

Example:

• Wallet: Cash $2000
• Pocket: Food

When you spend:

• money comes from wallet
• gets categorized into pocket

🙏 Feedback

This feature came directly from user feedback.

If you try it, let me know what feels clear and what’s missing.