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IN THE FIELD GUIDE

Moneko

moneko.io

Moneko is an AI-powered budgeting app for iPhone and Android that captures expenses via chat, receipts, voice notes, and mobile alerts. It supports envelope-style budgeting with Pockets, personal and household finance modes, recurring bills, net worth tracking, and WhatsApp-based money updates.

THE PRODUCT, BEYOND THE PITCH

Editorially reviewed · Sources checked Oct 9, 2026

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A good fit for

  • Users who want to track expenses via chat and messaging apps like WhatsApp instead of traditional budgeting apps.
  • People who want AI-powered scenario planning and budgeting insights in plain language.

Know the limitations

  • Bank syncing is limited to US and Canadian bank accounts via Plaid.
  • Expense capture from mobile notifications requires iOS 27 or Android app notifications and is not full bank syncing.

What you can do

  • Personal budgeting with fast transaction capture and envelope budgeting.
  • Household budgeting to manage shared expenses like rent, bills, groceries, and partner reimbursements.

Features

  • Chat-based expense capture via WhatsApp including text, voice notes, receipt photos, PDFs, and spreadsheets.
  • Envelope-style budgeting system called Pockets to allocate and track spending categories.
  • Household mode to separate personal spending from shared bills, rent, groceries, and partner reimbursements.
  • AI Insights for scenario planning and answering budget-related questions in plain language.
  • Recurring bills and income tracking with monthly planning, calendar views, and forecasting.

Integrations

  • Bank sync via Plaid for US and Canadian banks.

Platforms & data export

  • Export full transaction history as .xlsx or .csv files for backup or custom analysis.

THE COST FOR YOUR TEAM

Go beyond the starting price.

Published plan prices for your team size and usage. Results update as you type. Taxes, currency conversion and unlisted add-ons are excluded, and anything the source did not state is called out rather than guessed.

Known monthly subtotal

$0.00/month

1 of 1 tools could not be priced with these inputs, so this is not the full cost.

Plan costs based on your requirements
Tool / planMonthlyPer yearWhat this assumes
Moneko logoMonekoNo pricing recorded yet. Check the official site, or ask the owner to add it.

A practical workflow

  1. Choose Personal or Household mode to manage solo or shared budgets.
  2. Fill your Pockets by allocating income to categories like rent, fun, and goals before the month begins.
  3. Add expenses by chat via text, voice, receipt photo, or file attachments and confirm details before saving.

Based on the sources below. Editorial review does not imply hands-on product testing.

Alternatives to explore

Filter alternatives →

Candidates based on category and primary feature. Check feature and pricing differences before switching.

Kash app logo

Kash app

✓ Reviewed

KASH is a financial coaching software that connects securely to your bank accounts and provides budget insights via conversational interfaces like WhatsApp, ChatGPT, and Claude. It offers real-time answers to financial questions, budget planning, and expense tracking with a focus on ease of use and data security.

Kontu logo

Kontu

✓ Reviewed

Kontu.io is a budgeting software that allows users to plan everyday spending and one-off projects in any currency. It supports shared budgets for partners or groups and helps users understand their money better by tracking income, expenses, and allocations over time.

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