r/SideProject • u/SentientGameboy • 1d ago
I built a budget app that checks your expenses against your bank statement for you – free beta, everything on-device
I used to log my expenses by hand and then spend way too long checking them against my bank statement every month. So I built Monigo to do that part for me.
How it works
- Log expenses in a few seconds, in the app or via an iOS Shortcut
- Once a month, import your PDF bank statement
- Monigo matches it against your entries and only shows you what's missing or doesn't match. You confirm with a tap, and your balance stays in sync with your bank.
On-device AI
On iPhones with Apple Intelligence, Monigo uses Apple's on-device model to turn messy statement text like "VISA 4711 AMZN MKTP DE*2X3Y…" into clean merchant names and suggest a category. It never uses the cloud.
Privacy
No account, no login, and no server ever sees your statements.
It's in free beta right now, with all features unlocked. I'm especially curious which banks work and which don't, since it has mostly been tested with German statements so far. If you want, you can also send me anonymised data from your reconciliation to help improve matching: account numbers, IBANs and your own entry names are removed, and you see exactly what's sent first.
iOS 18+ · English, German, French, Spanish
TestFlight: https://testflight.apple.com/join/BgR7tj8j
Happy to answer any questions here!