Calm, proactive money tracking. Monairo logs spending in five seconds by voice or tap, reconciles it with your bank automatically, and tells you a purchase fits your budget before you spend — not in a summary days later.

Five-second voice logging

Say “Monairo at Starbucks” or quick-add by tap. No forms, no spreadsheet.

Pre-spend budget warnings

Soft and hard warnings before a purchase breaks a budget, not a post-factum report.

Shared household ledgers

Partner sharing across iOS and Android with realtime sync — one ledger, both phones.

Bank sync without gaps

Plaid (US) and TrueLayer (UK/EU) with non-destructive reconciliation — nothing is dropped.

Private by design

Bank tokens and AI keys never touch your phone. GDPR-first. We never sell your data.

Works offline

Log expenses with no signal; they sync and reconcile the moment you are back online.