Monello

Feel better about money

Free · In‑App Purchases · Designed for iPad

Monello helps you understand the emotions behind your money decisions. No bank connections, no budgeting. Just real insight into your financial feelings. Your relationship with money is more than numbers on a screen. Monello helps you understand the emotions, beliefs, and patterns that shape every financial decision you make. Most financial apps track what you spend. Monello explores why. Built on principles from financial therapy and behavioral psychology, Monello creates a safe, shame-free space to examine your money story — and start rewriting it. Discover Your Money Story Take the Money Story Assessment to uncover the emotional patterns driving your financial behavior. Rather than labeling you with a single type, Monello maps your unique relationship with money across multiple dimensions, giving you a personalized narrative that feels like you. Track How Money Makes You Feel Monello's check-in system tracks five dimensions of your financial emotional health: anxiety, confidence, energy, optimism, and control. Morning, midday, or evening — a quick check-in takes just 20 seconds and builds a picture of your emotional patterns over time. Reflect on Your Accounts Without the Numbers Balance Pulse is a first-of-its-kind feature that tracks how you feel about your accounts — not what's in them. No bank connections. No balance tracking. Just an honest reflection on your relationship with your daily spending, savings, and future investments. Talk It Through with Pippa Pippa is your AI financial therapy companion. She helps you explore your money beliefs, earliest financial memories, and the gap between what you believe and how you behave. Pippa is grounding-aware — if emotions run high, she'll gently offer a moment to pause before continuing. Break Free from Debt — Your Way Choose from four therapeutic debt payoff strategies, each designed around different psychological needs. Track your progress with milestone celebrations that honor your courage, not just your numbers. Monello meets you where you are, without judgment. A Journey, Not a Scoreboard Monello doesn't use streaks, points, or leaderboards. Instead, your progress unfolds as an 8-chapter journey that celebrates discovery, courage, growth, and compassion. Take a break and come back to extra warmth — never guilt. What Monello Is NOT Monello is not a budgeting app. It doesn't connect to your bank, track transactions, or give investment advice. If you want to count pennies, there are great apps for that. Monello is for understanding the person behind the pennies. Built with Care - Privacy-first: Your emotional data is encrypted and user-controlled - No ads, ever - Observation-based grounding exercises designed to be safe for all users - WCAG AA accessible throughout - Therapeutic design system created with input from financial therapists and behavioral psychologists Features at a Glance - Money Story Assessment with personalized narrative - 5-dimensional mood tracking with pattern insights - Balance Pulse: feelings-based account reflection - AI financial therapy conversations - 4 debt payoff strategies with milestone celebrations - 8-chapter therapeutic journey system - Crisis-aware safety features - Weekly digest with mood and growth insights Start understanding your money story today. No bank connections required. No judgment. Just you, your feelings, and a path forward.

Ratings & Reviews

  • This app hasn’t received enough ratings or reviews to display an overview.

The developer, Matthew Isaiah Mc Gowan, 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:

    • Contact Info
    • User Content
    • Identifiers
    • Usage Data
    • Sensitive Info

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Contact Info
    • Diagnostics

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
    • Matthew Isaiah Mc Gowan
  • Size
    • 150.2 MB
  • Category
    • Lifestyle
  • Compatibility
    Requires iOS 15.6 or later.
    • iPhone
      Requires iOS 15.6 or later.
    • iPad
      Requires iPadOS 15.6 or later.
    • iPod touch
      Requires iOS 15.6 or later.
    • Mac
      Requires macOS 12.5 or later and a Mac with Apple M1 chip or later.
  • Languages
    • English
  • Age Rating
    16+
    • 16+
    • Learn More
    • Frequent
      Medical Treatment information

      Contains
      Health or Wellness Topics
  • In-App Purchases
    Yes
  • Copyright
    • © 2026 Isaiah McGowan
  • Developer Website
  • Privacy Policy
  • License Agreement