Grow with clarity
Your money,
finally legible.
Monivera turns your bank's transaction emails and SMS notifications into a live budget — logged automatically, categorized for you, and shared with your household. All your finances, one clear view.
Available on iOS.
Why Monivera
Budgeting that does the busywork
Auto-capture
Your bank already texts you. We take it from there.
Every purchase your bank emails or texts you about becomes a logged transaction — amount, merchant, date, done. No spreadsheets, no Sunday-night catch-up sessions.
Daily pace
Know today's number
Because recurring bills live in their own budget, your daily number comes from what's truly left for everyday spending — divided across the days remaining. "Can I afford this?" always has an accurate answer.
$42/day left
Budgets
Spend on purpose
Set budgets for everyday spending and recurring bills, watch the bars fill, and stay in control of the month — not the other way around.
Household
Budget together, on every phone.
Invite your partner or household members into one shared budget. Everyone's spending lands in the same ledger, live — same numbers, same daily pace, zero "wait, you bought what?"
AI logging
Messy alerts in. Clean ledger out.
Monivera's AI reads raw, unformatted bank emails and SMS — no templates, no rules to write. It extracts the amount, merchant, and date, then files the transaction into your own categories on its own.
Categories
Sorted before you look
Monivera reads the merchant and files each transaction into your own categories automatically. No confirming, no nudging — it's just done.
Search & tags
Find that one coffee
Search your whole history by keyword or tag. Tag a trip#spaintraveland see what it cost afterwards, by category.
Your rules
Customize everything
Your categories, your budget start day, your recurring envelopes, your per-category allocations. Monivera adapts to how you actually spend.
The magic trick
Logging is the reason budgets die.
So we deleted it.
Hook Monivera up to your bank's transaction emails or SMS notifications once, and every card swipe logs itself. The AI reads the notification, extracts the amount and merchant, and files it under the right category — before you've put your phone back in your pocket.
- 1Set up a shortcut or automation for your bank's notifications — five minutes, once.
- 2Spend like a normal human being.
- 3Open Monivera to a ledger that's already up to date.
Household sharing
One budget. Every phone. Zero "wait, you bought what?"
Invite your partner or household members into a shared budget. Everyone logs to the same ledger, sees the same category totals, and works from the same daily number — synced live across every member's device.
Start a shared budgetReady to grow with clarity?
Five minutes of setup buys you a budget that runs itself. Your future self says thanks.