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See what the month is really doing.
Follow your monthly plan, spot the pace of spending, and understand what remains without building another spreadsheet.
Expense tracking on iPhone. No bank login.
Capture eligible Apple Pay purchases with a Wallet Shortcut, scan what Wallet misses, and keep cash, bills, goals, and currencies in one clear month.
Three ways in. One clear month.
Capture automatically where you can, review what matters, and keep the rest together.
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Wallet Shortcut
Capture eligible Wallet purchases through a user-installed Shortcut, without handing over bank credentials.
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Receipt OCR
Scan a receipt into an editable expense with line items, tax, and totals ready for review.
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The full picture
See spending, bills, goals, loans, investments, and crypto together across the currencies you use.
Your financial life, in focus.
One calm home for today’s spending, the month ahead, and the decisions that deserve your attention.
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Turn categories into clear signals.
See where your money went, then use the details to understand the pattern—not just stare at a chart.
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Ask for the next useful insight.
Monetor AI turns the activity you already track into a focused explanation and practical next step. It is informative, never financial advice.
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Keep payments from becoming surprises.
Loans, subscriptions, and recurring payments stay visible in the same place as the rest of your month.
More depth, without more noise.
The rest of your financial life stays close when you need it.
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Bills and goals
Recurring bills, loan schedules, savings targets, and reminders in the same monthly view.
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Assets and currencies
Follow investments and crypto while keeping original amounts visible across AMD, USD, EUR, and more.
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AI insights
Understand spending changes and turn savings targets into practical next steps, with a tone you choose.
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Private by default
No required bank login, no ad tracking, and no selling your data.
Find the workflow that fits how you pay.
Focused pages explain what Monetor can automate, what stays manual, and where each workflow has limits.
Ways to use Monetor
See all features →
Apple Pay expense tracking
Use a personal Wallet automation and Shortcut to capture eligible purchases without a bank login.
No-bank-connection finance app
Combine Wallet automation, receipt scans, and manual entries while keeping bank connection optional.
Receipt scanner with OCR
Turn a readable receipt photo into an editable draft, then review it before it reaches your budget.
Multi-currency budgeting
Track AMD, USD, EUR, and other currencies in one consistent monthly view.
Cash, card, and receipt tracking
Complete the month with Wallet taps, receipt OCR, recurring bills, and fast manual entry for cash.
Start free. Upgrade when it pays off.
Start with manual tracking. Pro adds automation, receipt OCR, AI insights, and export.
$0
no card required
Enough to track the basics of your money life on iPhone.
- Manual transactions, search, and basic charts
- One wallet, savings goal, and loan or bills tracker
- One stock, ETF, or crypto position
- Core currency conversion and dark mode
$9.99
/ month
- Monthly $9.99 / month
- Annual $79.99 / year
- Lifetime $149.99 one-time
- Unlimited wallets, savings goals, loans, bills, and asset positions
- Wallet Shortcut import for eligible purchases
- Receipt OCR with editable line items, tax, and totals
- AI insights and CSV, PDF, or XLSX export
Standard subscriptions include a 14-day App Store trial. Prices may vary by region and are confirmed before purchase. Terms · Privacy
Before you download.
The things most people want to know before installing a finance app.
What is Monetor?
Monetor is an iPhone finance app that can import Apple Wallet transactions through a Shortcut without connecting a bank. It combines spending, bills, loan schedules, savings goals, stocks, ETFs, and crypto in one dashboard, with AI-powered insights and tone-configurable coaching. Multi-currency by design.
Do I need to connect my bank?
No. Monetor does not ask for your bank credentials. Transactions can come in through an Apple Wallet Shortcut, receipt scans, or manual entry, with no Plaid connection or screen-scraping required.
How does Apple Wallet import work?
Set up Monetor's Apple Wallet Shortcut automation on your iPhone. When the Shortcut runs after an eligible Wallet transaction, it can send the transaction details to Monetor without a bank aggregator. Shortcut behavior and supported triggers depend on your iOS version and setup.
How much does Monetor cost?
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.
Is my data private?
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.
Finance you control,
on the iPhone you already use.
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.