Sync Apple Pay purchases automatically, scan receipts into itemized transactions, and see bills, goals, loans, and investments in one place. Private by default. Free to start.
At a glance
Every finance app wants your bank login before it shows you a single number.
Your month is spread across two banks, a notes app, and the back of a receipt.
You're tired of typing every coffee and cab into a spreadsheet nobody opens.
You forgot last month's bill. Again. The calendar told you at 23:58.
You track spending in one currency but live in two. Every Sunday becomes a math session in your head.
Most apps focus on charts first. Monetor starts with capture, cleanup, and context, the daily work of actually knowing what your money is doing.
Sync Apple Pay purchases straight into Monetor. No Plaid, no screen-scraping, no aggregator between you and your data. Your phone, your flow, your credentials.
Snap a receipt. Monetor's OCR reads line items, tax, and totals, then hands you an editable transaction with categories and splits pre-filled. No retyping from paper, no cleanup weekend.
Transactions, bills, loan schedules, savings goals, stocks, ETFs, and crypto stay under one roof. Multi-currency runs in the background so totals still make sense when your life spans more than one number.
A calm loop. Add something, let Monetor tidy it, and watch your month come into focus.
Add a transaction in two taps, or let Apple Pay sync pull one in automatically.
Scan a receipt and Monetor's OCR parses line items, tax, and totals in seconds. Edit inline, split categories, done.
Spending, bills, and goals live together in one readable picture. Multi-currency, multi-account, multi-category, all in one place.
Most finance apps give you charts. Monetor gives you a coach. Pick the tone, Natural jokes, Angry Mom, or Friendly, and get insights that actually sound like someone's paying attention.
Built wide enough for real life, quiet enough to stay out of the way.
Net worth, category breakdowns, and month-over-month, with exchange-rate awareness.
Recurring bills, loan schedules, and on-device reminders that respect your calendar.
Round-ups, percentage rules, and fixed monthly saves, with progress you can feel.
Positions and balances are there when you need them, without taking over the whole product.
No bank login, no ad tracking, and no selling your data.
First-class Armenian and English localization, with currencies, dates, and categories included.
Import a PDF loan schedule. Monetor reads the installments and sets reminders.
Sign in with Apple, Google, or email. Your data syncs to your account from day one.
Free handles the basics. Pro removes the limits and unlocks the features that do the real work: Apple Pay sync, receipt OCR, AI personas, and export.
Enough to track the basics of your money life on iPhone, in English or Armenian.
Everything in Free, without the 1-item limits, plus Apple Pay sync, receipt OCR, AI coaching, and export.
Standard subscriptions include a 14-day free trial on the App Store. Billing starts after the trial unless you cancel first.
The 60-day founder offer is limited to the first 100 registered users and applies after App Store launch. Standard App Store pricing is $9.99/month, $79.99/year, or $149.99 lifetime. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Prices may vary by region and are confirmed in the App Store before purchase. Terms · Privacy
The things most people want to know before installing a finance app.
Monetor is the first iPhone finance app that syncs Apple Pay purchases automatically, no bank login, no Plaid, no aggregator. It combines spending, bills, loan schedules, savings goals, stocks, ETFs, and crypto in a single dashboard, with AI-powered insights and tone-configurable coaching. Private by default, multi-currency, and localized in English and Armenian.
No. Monetor never asks for your bank credentials. Transactions come in through Apple Pay sync, receipt scans, or fast manual entry. No bank login means no Plaid, no screen-scraping, and no aggregator in the middle.
YNAB, Copilot Money, Monarch, and the now-retired Mint all share one dependency: they need your bank login through Plaid or something similar. Monetor is built the opposite way. Transactions come in via Apple Pay sync, receipts via OCR, and everything else via fast manual entry. That makes it a better fit if you care about privacy, live outside the US, or juggle more than one currency.
Yes. Monetor is the closest thing to Mint's "everything in one place" view without the two parts that made people stop using it: the forced bank connection and the ad-driven business model. Spending, bills, savings, loans, investments, and crypto all live in Monetor.
Turn on Apple Pay sync in Monetor. When you pay with Apple Wallet, purchases can flow into the app automatically — on your phone, with your approval. No bank aggregator in the middle.
Use receipt OCR for paper or card purchases, or add a transaction in two taps. Monetor is designed to be fast whichever way money moves.
Not yet. Monetor is iPhone-first. A web dashboard is on the roadmap; early access members will hear about it first.
Monetor has a free tier forever. Monetor Pro is $9.99/month, $79.99/year, or $149.99 one-time. Subscriptions include a 14-day free trial on the App Store. The first 100 registered users get 60 days of Pro free at launch (founding-user offer, separate from the standard trial). See Pricing.
Yes. Monetor never stores bank credentials because it never asks for them. Account data is kept on a private Supabase backend with encryption at rest. No ad tracking, no selling of data, ever.
Any currency. Totals stay accurate when you switch between Armenian drams, US dollars, euros, and other currencies. Exchange rates update automatically in the background.
iPhone first. We're launching on iOS so Apple Pay sync, widgets, and the rest feel native. Android is coming soon. Drop your email and we'll tell you the day it ships.
First-class Armenian and English. Currencies, dates, and category names all adapt.
Drop your email. We'll send launch day, your invite code, and details on the founding-user offer for early registrants.
iPhone · iOS 15.1+ · Android coming soon · No spam, one email per milestone.
