AI expense tracker with bank sync, receipt scanner, voice notes, and bill splitting. Built for couples and families. Works with Apple Wallet, WhatsApp & Telegram.
Moneko is an AI expense tracker, budget planner, and bill splitter built for people who manage money together. Track expenses, sync bank transactions, split bills automatically, scan receipts, forward email receipts, and build shared budgets with your partner, family, friends, or roommates.
Capture expenses however they happen. Connect your bank, type a message, record a voice note, scan a receipt, forward receipts by email, or log expenses directly from WhatsApp and Telegram. Moneko automatically organizes your spending, tracks who paid, and keeps everyone in sync.
TRACK SHARED EXPENSES
Manage shared expenses for couples, families, roommates, trips, and groups. Split rent, groceries, utilities, subscriptions, travel, and everyday spending while everyone stays on the same page.
SYNC BANK TRANSACTIONS
Connect your bank to automatically import transactions and keep your budget up to date with less manual work.
SPLIT BILLS AUTOMATICALLY
Split bills equally or customize every expense. Moneko calculates balances, tracks repayments, and shows exactly who owes what.
TRACK EXPENSES YOUR WAY
Log expenses using bank sync, text, voice notes, receipt scanning, email receipts, AI chat, WhatsApp, or Telegram. However you spend, Moneko makes tracking effortless.
SMART EXPENSE TRACKING
AI automatically categorizes expenses, extracts receipt details, updates budgets, and organizes your finances in real time.
BUILD A BUDGET THAT FITS YOUR LIFE
Create personal or shared budgets, organize spending into categories, set savings goals, track recurring expenses, and understand exactly where your money goes.
Features include:
• Bank sync
• AI expense tracking
• Shared budgets
• Bill splitting
• Receipt scanner
• Email receipt forwarding
• Voice notes
• WhatsApp & Telegram integration
• Apple Wallet import
• Multi currency support
• Recurring expenses
• Budget categories
START TODAY
Try Moneko free for 7 days. A subscription is required after the free trial.
Log it once. Share it instantly. Let AI handle the rest.
Terms of Use (EULA)
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
This app actively receives updates, and the developer is extremely responsive over on Reddit. It's also a lot more budget friendly than other apps which charge exorbitant fees for anyone who doesn't have a lot of disposable income. There's even a lifetime plan for a fair price.My personal favorite thing though is that while it's not quite on par with other apps in terms of features like automation and syncing, it's moving very fast in that direction, and I have hope that it'll be a top option soon.
Developer Response
Thanks so much for your support, we really appreciate it!We’re currently working on Apple Pay wallet sync. If you have any feature ideas or spot any bugs, feel free to share them through the Settings page in the app, we’d love to hear from you.
Switched from Spendee. This Is Way Better.
iamnoman21
I used to use Spendee for the last 2 years, but not anymore. Moneko is honestly the best app I’ve tried so far. The best part for me is the voice logging and Siri Shortcuts assistant,, it makes adding expenses so quick and effortless. The app is simple, smooth, and very easy to use. Highly recommendedBig thanks to the developer for creating such an amazing and useful app. Please keep it always updated and improving.
Developer Response
Thank you so much for the thoughtful review and for switching to Moneko. Your support means a lot to us. We’re always listening to feedback and working to keep improving the app. If there’s any new feature you’d like to see, or if you ever run into any issues, kindly let us know.
Perfect for Couples
David Fitz.
My partner and I have been using Moneko to share and split our expenses, and its been suprisingly helpful. It automatically calculates who owes what and splits expenses without the usual hassle. So glad i found this app !
Simple & straightforward tracking
Andy Marcus
Really clean and easy to use! Tracking expenses takes just a few taps, and the AI insights make it simple to stay on top of my spending.
Moneko 3.0 is here
One of our biggest updates yet is finally here, making it even easier to stay on top of your money.
What's new?
• Review past and upcoming payments, and confirm them whenever you're ready.
• Your Moneko AI on WhatsApp & Telegram can now help you manage recurring payments and answer more questions about your finances.
• View your finances for any day and easily look back at reports from previous months.
• Exclude selected wallets from your financial summaries when you don't want them included.
• Support for Mauritian Rupee (MUR) and Moldovan Leu (MDL) has been added.
• Better receipt importing, transaction editing, and a smoother experience throughout the app.
• Stay on top of recurring bills, subscriptions, salaries, and other repeating transactions with much more control.
• Faster, more reliable performance and an even smoother experience throughout the app.
Thank you to everyone who shared feedback and feature requests—they've played a big part in shaping this release.
Update to Moneko 3.0 today and let us know what you think!
Version 3.0.4
The developer, Fenghua Shao, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Location
Contact Info
User Content
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Fenghua Shao
Size
100.8 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
iPad Requires iPadOS 16.0 or later.
Mac Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.
