Hi r/GenAiApps

We’ve supported notification auto-capture on Android for a while, and iPhone users kept asking if we could build something similar for iOS. With the new iOS 27 notification automation support, that’s finally changing.

You can now set up a Shortcut that automatically sends supported transaction notifications to Moneko: Transaction notification → Shortcut → Moneko → Expense logged

This means you can automate a lot of expense tracking without connecting your bank. We put together a step-by-step setup guide here:

How to automatically track transactions from iPhone notifications

Let me know how it works for you when you get a chance to try it out!

Hi,

We’ve been working on a visual refresh for Moneko and would love some feedback before we go too far.

One of the bigger changes is reworking our existing category library with new, more visual icons, so it’s easier to recognize spending categories at a glance. We’ve also gotten some really useful feedback about the Home screen, especially around the spending trend and spending breakdown/pie chart, so we’re looking at improving those too.

If you use Moneko, what would you change about the UI? Anything that feels cluttered, confusing, takes too many taps, or could be easier to understand?

Open to any feedback!

Hi,

We’ve had notification auto-capture on Android for a while, and one of the most common questions we get from iPhone users has been: Can you add this to iOS too?

Until now, iOS didn’t really give us a good way to do it. With the new iOS 27 notification automation support, that’s finally changing. You can now set up a Shortcut that automatically sends supported transaction notifications to Moneko:

Transaction notification → Shortcuts → Moneko → Expense logged

This is especially useful if you don’t want to connect your bank. Bank sync adds cost to finance apps like ours, and our Plaid integration is currently limited to the US and Canada.

Notification capture gives us another way to automate expense tracking without requiring a bank connection, and it can potentially be useful for Moneko users in many more countries.

We made a step-by-step guide for setting it up:

Set up automatic transaction tracking on iPhone

If you try it with your bank or payment app, I’d love to know how well it works!

Hi,

We just released Moneko 4.0, with a big focus on making everyday expense tracking faster, easier to recognize, and more flexible.

What’s new

• 🏪 AI-powered merchant logos so transactions are easier to recognize at a glance
• 📱 Automatic transaction capture on iOS 27 using Shortcuts. You can turn supported app notifications into Moneko transactions automatically
• 🔁 Custom recurring frequencies like every 2 months, every 45 days, or whatever interval works for you
• ✨ Liquid Glass support on iOS 26+
• 👀 Better accessibility and larger text support across dashboards, transactions, Wallets, Pockets, recurring payments, onboarding, and more
• 🇲🇦 Moroccan Dirham (MAD) support + improved currency recognition
• 🎨 Lots of smaller layout and visual improvements
• 🐛 Bug fixes and stability improvements

For iPhone users interested in automatic notification tracking, we also put together a step-by-step guide:

How to automatically track transactions from iPhone notifications

Thanks to everyone who keeps sending feedback and feature requests. A lot of what makes it into Moneko comes directly from what you tell us.

I’ve been experimenting with a dual-screen version of Moneko AI, the budgeting app I’m building.

The idea is pretty simple: AI chat on one side, your live budget on the other. You could type something like “$45 groceries, split with my partner” or ask “How much can I still spend this month?” and see the budget update beside the conversation.

We’re already working on a web version, and I thought dual screens could be an interesting way to make the AI assistant more useful instead of just putting a chatbot inside the app.

Curious what you think!

Hi everyone,

I’ve been building a budgeting app because I was never great at sticking with budgeting apps myself. A lot of them cost $80–$150+ a year, so I wanted Moneko to have a useful free plan plus a Lifetime option for people who’d rather pay once.

Moneko AI uses zero-based envelope budgeting with Pockets for groceries, bills, travel, savings, and more. Unused budget can roll over month to month.

It’s also designed for couples and families. You can keep your personal finances separate while sharing budgets and expenses together. Core budgeting, Shared Spaces, and Family Sharing are free.

Pro is more about automation, with AI expense capture, bank sync, receipt scanning, WhatsApp/Telegram, multi-currency, and deeper insights.

Lifetime works across iOS and Android with the same account, and we’re working on a web version too.

I’d love to give this community 50% off Lifetime ($49.99). Comment below or DM me if you’d like a code.

And I genuinely appreciate any suggestions!

Hi,

One thing I always hated about group trips was keeping track of who paid for what... Dinner in euros, hotel in USD, someone pays for an uber, someone else buys tickets, then everyone has to figure it out later.

I built Moneko AI to make this a lot easier for trips:

• Create a shared Travel Space with your friends or partner
• Log an expense by typing it or snapping a photo of the receipt
• Track expenses in multiple currencies
• Split equally, by percentage, or with custom amounts
• See who paid what and who owes whom
• Settle everything when the trip is over

The free plan is enough for basic trip expense tracking and sharing, so your friends don’t need another subscription just to join the trip.

I’d love to hear any feedback for you!!

Hey everyone! We’ve received quite a few requests for a web version of Moneko lately, so I wanted to ask before we start building.

Would a web version be a must-have for you, or would you rather we keep focusing on making the mobile app better?

If you want Moneko AI on web, what would you mainly use it for? Budgeting, reports, managing transactions, shared finances, something else?

Would love to hear what you think!

Hi everyone!

We’ve been getting a lot of helpful feedback from the Moneko community lately, so I wanted to do a small giveaway as a thank you ❤️

I’m giving away 20 Moneko AI Lifetime Pro codes.

To get one:

1. Open your Budget in Moneko
2. Share a screenshot of your Pocket setup in the comments
3. Tell us one Pocket you couldn’t live without
4. I’ll DM Lifetime Pro to the first 20 users who participate

Thanks for using Moneko and for all the feedback you’ve been sharing. A lot of what we build comes directly from your suggestions 😊

Hi,

A few people asked me how to get started with Moneko, so I thought I’d share the simple system I use.

I don’t want to spend hours maintaining a budget. I mainly want to know where my money is going, what I have left, and whether I’m making progress toward my goals.

1. Add my income

I start with what I expect to bring home for the month. This gives me the number I’m working with before deciding where everything should go.

2. Add my fixed expenses

Next I add the expenses I already know are coming:

• Rent/mortgage
• Utilities
• Phone
• Subscriptions
• Insurance
• Other recurring bills

Now I know how much money is left after the essentials.

3. Set up my Pockets

I budget what’s left into Pockets. I loosely use the 50/30/20 rule as a starting point:

• 50% needs
• 30% wants
• 20% savings and goals

My Pockets include things like groceries, eating out, shopping, travel, savings, and a buffer.

For expenses that don’t happen every month, I use rollover. For example, I put money aside each month for quarterly insurance and let the unused budget carry forward until the payment is due.

4. Track spending as I go

This is where I try to save myself the most work...

I log expenses through text, voice, receipts, or account sync. Since my partner and I share expenses in Moneko, I also get a clear view of our family spending and how much we have left together.

Everything stays organized as we spend, so I’m not sitting down at the end of the month trying to figure out where all our money went.

5. Check my cash flow

I also separate my money into a few Wallets:

• Spending
• Savings
• Emergency fund

When I check my cash flow, I look at these balances too. I want to know not only whether I stayed within budget, but whether my savings and emergency fund are moving in the right direction.

That’s pretty much my system. I try to keep budgeting simple because the more maintenance it requires, the less likely I am to stick with it.

If you are interested, I’ll share more posts about different budgeting methods, Pocket setups, rollover budgets, saving strategies, and how we manage shared expenses.

Let me know if this is helpful!

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