Dinner · just now− USD 85.00
Amex cardDining out
How it works
You talk. Moneta keeps the books. You stay in charge of anything big.
Say what happened
Type it like a text message. Moneta works out the accounts, the currency, and the date.
She writes it into your books
Every amount is written twice — out of one place, into another — so your numbers always add up.
You approve anything big
New accounts wait for your OK on a card. And old entries are never erased — fixes are written beside them.
You decide what your partner sees
One setting for your household. It applies everywhere — including what Moneta says in chat.
Yours only
Your money stays yours.
- Your accounts and entries, in full detail
- Shared accounts — the joint card, shared bills
- Household totals or your partner's figures
Ask “what did we spend on food?” and Moneta answers from your side and the shared spending only.
Totals only
Together, without the details.
- Household income and spending by category
- Net worth, grouped by what you own
- Who spent what
You learn “we spent 620.00 on groceries” — not “she spent 340.00 of it.”
All shared
One open picture.
AlexSam
- Everything, with each of you named
- Both partners' accounts and balances
- Moneta records for whoever asks
Most couples start here — and you can change it any time.
You always see your own money in full. The setting only controls your partner's side.
Easy to use. Serious underneath.
The same bookkeeping method banks use — made as easy as texting.
Just say it
Type or talk like texting. No forms, no categories to pick.
Numbers you can trust
The chat understands you; plain code does the math. Nothing is guessed.
Made for two
One household for you and your partner — together, without sharing every purchase.
Privacy, your call
Share everything, just the totals, or nothing at all. Change it whenever you like.
Any currency
Spend in any currency. The day's exchange rate is saved with each entry.
A record that can't be edited
Fixes are added as new entries. Your history stays honest.
Beautiful on every screen
Four color themes for the whole app, on your laptop and your phone. Try one.
Net worthUSD 342.5K
Money in6,400.00
Money out−4,120.00
Kept this month2,280.00
Six months of net worth
Where this month went
Dining out31%
Groceries24%
Housing & bills15%
Travel & fun12%
Other18%
Alex & SamNet worthUSD 342.5K
Yesterday
CheckingGroceries
− USD 86.40
Pick one — the whole page follows. You choose your theme during setup, and it follows you on every screen.
Earn in dollars, spend in euros, save in yen
Say the amount in the money you used. The exchange rate for that day is saved with the entry.
Your amount stays as you said it
What you said — and its currency — is written down exactly. Your home currency sits beside it, smaller.
You confirm the rate
If your bank used a different rate, you choose which one to keep. Either way, it's saved on the entry.
One home currency
Your reports and net worth stay in one currency, picked when you set up your household.
Why Moneta is different
Most money apps give you a job: typing everything in. Moneta gives you an accountant.
| Moneta | Typical budgeting apps | |
|---|---|---|
| Your role | The client. You say what happened. Moneta does the books. | The clerk. You type everything in yourself. |
| Effort | A sentence. Five seconds, spoken or typed. | Forms and review queues, every week. |
| The math | Real double-entry, checked by code before anything is saved. | Simple tallies that can hide debt. |
| Privacy | Three levels, enforced in the database — even for the AI's answers. | Share everything, or nothing. |
How the books stay honest
Chat is smart. The ledger is strict. That's the whole trick.
She answers like a person
Ask in your own words. She replies with numbers read straight from your books — not guesses.
You've spent 412.30 on dining this month, and 508.10 on groceries. Last month you were at 655.20 by this day.
Code does the math
The chat understands you, but the ledger is plain code. Nothing gets saved unless both sides balance.
Checking→Dining out−41.20 · 41.20
✓ Sum: zero. Checked before anything is saved.
Fixes, not cover-ups
A mistake gets a correcting entry, written beside the original. The full history stays — so you can always trust what's there.
Oct 3 · Petrol− USD 32.00
Oct 4 · Correction for Oct 3+ USD 9.00
The original stays on the record, next to the fix.
What we promise about the AI
- Never writes an entry that doesn't balance
- Never sees more than your privacy setting allows
- Never touches another household's books
- Never deletes — fixes go beside the original
- Never makes up a number
Your data stays yours
No bank logins
We never ask for your bank login. Nothing to connect, nothing to break.
Households can't see each other
Your books are sealed off from everyone else's — enforced by the database itself.
A history no one can rewrite
Every change is recorded for good. No one can edit the past — not even us.
Privacy that includes Moneta
If your setting says your partner's side is hidden, it's hidden from her answers too.
Take your data anytime
Download everything as CSV or JSON, whenever you like.
Your AI key, your choice
Bring your own AI provider and key. It's encrypted and never shared.
One small price for the whole household
Both of you, everything included — less than a coffee a week. Try it free for 30 days, no card needed.
Household Basic
Available nowUSD 3.00a month, for both of you
billed USD 36 a year — 25% off the monthly price
USD 3.99a month, for both of you
billed monthly — switch to Annual to save 25%
- Ask anything about your money, any time
- Both of you, one household — no per-seat fees
- Spend in any currency; the day's rate is saved for you
- All four themes, light and dark
- Take your data with you, any time
- A history no one can rewrite
Free for 30 days, then your plan price. Bring your own AI key. Cancel any time.
Why Moneta isn't free
Keeping your books safe takes real things: servers that stay up, an AI that reads and writes on every message, and the work of keeping it all fast and private. Every money app pays for that — the only question is who pays.
Free money apps pay with ads, or by selling what they know about you. We'd rather just tell you the price. You pay a small, fair amount, and Moneta answers to one party only: you. That's what keeps the lights on — and it's what lets us keep building for years.
No adsNo selling your dataExport your books any time
Household Pro
Coming soonMoneta's AI built in. She works without any AI key — we run the models on our servers, so there's nothing to bring and nothing to set up.
- No AI key to bring or manage
- Everything in Household Basic
- Same books, same privacy, same simplicity
In the works — pricing announced at launch.
A real free trial
Thirty days, no card. The clock starts when your household is ready — not when you sign up.
Pause, don't lose
Away for a while? Your books stay safe and downloadable for a year. Come back anytime.
Your data is yours
Export everything as CSV or JSON, whenever you like — even while paused.
Your partner is already using Moneta.
Enter your invite code to join the household. Your own accounts stay yours.
Enter your code
Takes about a minute
Open your household books in two minutes.
Invite your partner. Set your starting balances. Let Moneta do the bookkeeping.
Start free for 30 daysNo credit card required · USD 3.99 a month after trial