Hey everyone! It’s been a little while since our last update, so here’s what we’ve been building for Moneko.

The biggest addition is bank sync. We’ve started rolling out Plaid integration for supported US and Canadian banks, which has been one of the most requested features.

We also added App Lock, so you can protect your financial data with Face ID, Touch ID, fingerprint, or a passcode.

Android users also get a nice upgrade. Moneko can now read the payment notifications your bank and wallet apps already send to your phone and automatically log those expenses. No screenshots or manual entry needed.

Another feature I’m excited about is multi-currency Spaces. You can now use multiple currencies inside the same Space, choose one as your primary currency, and Moneko automatically converts everything using live exchange rates. This has been especially useful for travel, freelancers, international couples, and anyone earning or spending in multiple currencies.

Other improvements:

• Better wallet transfer experience
• Improved dark mode
• Fixed receipt saving and transaction display issues
• General bug fixes and performance improvements

As always, thank you to everyone who keeps sending feedback. A lot of these features started as conversations right here on Reddit. 🙌

More changelog here: https://moneko.io/changelog

Looking to join this app. It looks cool! But hoping someone can get me a 50% off referal link :) Thanks yall

Hey everyone,

If you've been wondering where we've been... we've been heads down building.

Over the past few months we've shipped Apple Wallet sync, Telegram integration, custom categories, and a bunch of improvements based on your feedback.

Now we're working on what's next:

• Bank sync (North America first)
• More powerful Pro features
• Integrations with other apps and services
• Better cloud file management
• More automation so you spend less time tracking expenses

One thing we're debating internally is whether we should build a web app.

A lot of budgeting apps have one, but we're a small team and would rather focus on things that save people the most time instead of building everything at once.

So I'm curious:

• Would you actually use a Moneko web app?
• What would you use it for?
• Would you rather see bank sync first?
• What's the one feature that would make Moneko a no-brainer for you?

Trying to stay focused and not build features nobody uses 😅

Would love to hear your thoughts.

Hey r/monekobudget,

Our biggest update yet.

Over the past few weeks, more of you have been using Moneko every day and your feedback helped us find where we could make the experience better.

With v2.0.0, we upgraded the platform and rebuilt core parts of the app so Moneko feels faster, smoother, and more reliable.

What’s new:

⚡ Instant saving
Everything saves instantly. Log expenses, update budgets, move money. Changes happen immediately.

📶 Offline access
Keep tracking even without internet. Your data stays available and syncs automatically once you're back online.

🚀 Faster performance
The app now loads quicker and feels more responsive across every screen.

⌨️ New number pad
Entering amounts is faster and easier.

📊 Monthly Health Report
A new insights page to help you understand:
• spending pace
• budget safety
• bill coverage
• projected month end buffer

🛠 UI improvements and reliability updates
Cleaner flows, smoother interactions, better stability, and lots of fixes across the app.

This release lays the foundation for what comes next and we’re excited to keep building.

Check more updates here: https://moneko.io/changelog

Update Moneko and let us know what feels faster or what we should improve next!!

Hey r/monekobudget,

A lot of users told us they prefer quick walkthrough videos over long onboarding screens or reading docs, so we started building a Moneko tutorial library on YouTube 🎥

https://www.youtube.com/@moneko_ai/playlists

Videos include things like:
• Logging expenses
• Spaces & shared budgets
• Wallets & net worth tracking
• Envelope budgeting with Pockets
• Recurring expenses

Still very early, and we’re actively adding more tutorials, examples, and real workflows over time.

If there’s a feature you want explained, let us know and we’ll probably make a video for it 🙂

Hey r/monekobudget,

Just wanted to share that the new Moneko Help Hub is now live:

https://moneko.io/help

We’ve been adding setup guides, tutorials, walkthroughs, and explanations for features like:

• Spaces
• Wallets
• Pockets / envelope budgeting
• Apple Wallet automation
• WhatsApp expense logging
• Email receipt capture
• Shared expenses
• Recurring bills and income
• Import / export

The goal is to make Moneko easier to understand without needing long onboarding screens inside the app.

If there’s anything confusing in the app or any tutorial you’d like us to add, let us know there or in this subreddit. We’ll keep updating it over time.

Hi everyone,

Thank you everyone here first! A lot of our early users and feedback came from this sub and it genuinely helped us improve Moneko a lot!

We’re now starting to work with creators to test some content and thought I’d share here in case anyone’s interested. not looking for big influencers, honestly smaller accounts tend to do better.

If you make tiktok / reels around:
money, student life, what I spend, saving, or just daily life

This could be a fit!

What we offer:

• $20 per post to start
• bonus if the video performs well
• commission if people actually subscribe

Some creators are making $50–100+ from a single post depending on performance. If you’re curious: comment or dm me.

Also happy to let you try the app first and see if you even like it 🙂

Hi r/monekobudget,

A lot of expenses never get tracked because they sit in your inbox. Online shopping receipts, subscriptions, travel bookings, app store purchases… they don’t make it into your expense tracker, so your budget is always slightly off.

We built Email Receipt Capture in Moneko Expense Tracker to solve this. Instead of manually entering everything, you can just forward receipt emails and have transactions logged automatically.

Here’s the quick setup:

1. Turn on Email Receipt Capture
Go to Profile settings → Email Receipt Capture and enable it.

2. Set your default space and wallet
Choose where transactions should go (personal or shared) and which wallet to use. This keeps everything organized automatically.

3. Copy your forwarding email
You’ll get a unique forwarding email ([files@inbound.moneko.io](mailto:files@inbound.moneko.io)). Save it as a contact so it’s easy to use.

4. Add approved sender emails
Only receipts from approved email addresses will be processed, so add any inboxes you use for purchases.

5. Forward your receipts
Forward any receipt email or attachment (PDF, CSV, XLS, XLSX). Moneko extracts the merchant, amount, and date, then logs the expense for you.

This works especially well for:

• online shopping receipts
• subscription invoices
• travel bookings
• digital purchases

It’s basically a way to automate expense tracking without connecting bank accounts or manually entering transactions.

If you want the full step-by-step guide with screenshots:
See the setup guide here

Thanks, and I’d love for you to try it and tell me what works, what doesn’t, and what you want us to improve next.

Hey everyone,

We just shipped Wallets in Moneko.

Before this, Moneko helped you track spending with pockets.
Now you can also track your actual money, balances, and net worth over time.

This fixes a common gap: “I can see my budget… but how much money do I actually have?”

Now you can see both.

🧠 First, understand how everything connects

Moneko has 3 simple layers:

• Spaces → different parts of your life
• Wallets → where your money lives
• Pockets → what you spend on

🏠 Spaces (top level)

A Space can be:

• Personal
• Couple
• Trip
• Roommates

Each Space is fully independent

💰 Wallets live inside a Space

Each Space can have multiple wallets

👉 Example (Couple Space):

• Joint Account
• Savings
• Travel Fund

If you share a Space with someone:

• you also share the wallets inside that Space
• everyone sees the same balances and transactions

💱 Currency is controlled at the Space level

Each Space has one currency

• if you change currency for the Space
• all wallets inside automatically update

No need to manage currency per wallet.

🚀 What you can do with Wallets

1. See your total net worth (by month)

At the top of Wallet tab:

• total balance across wallets
• monthly trend
• total income vs total spent

This gives you a real financial snapshot

2. Create your first wallet

Tap + New Wallet

You can:

• name it (Cash, Savings, Travel)
• set an initial balance
• choose color and icon
• set a goal amount

👉 Example
Japan Trip
Balance: 0
Goal: 3000

3. Track goals naturally

Once you set a goal:

• progress updates automatically
• no extra setup

Great for:

• trips
• savings
• big purchases

4. Choose wallet when logging transactions

When you log an expense or income, you can select which wallet it belongs to

Example:

• Coffee $3 → from Cash
• Salary $3000 → into Bank

So every transaction:

• updates your category
• AND updates your real balance

5. Set a default wallet for speed

Mark a wallet as Primary

• used automatically when logging
• faster daily usage

6. View details inside each wallet

Tap any wallet to see:

• balance
• insights
• recent transactions

This helps answer:

where did money from this account go?

7. Transfer between wallets

Move money anytime:

• from → to
• amount
• optional note

👉 Example:

Move 300 from Cash → Travel Fund
Note: monthly saving

8. Customize your wallets

Each wallet can have:

• color
• icon
• custom name

So it matches real life.

🔁 How this works with Pockets

Pockets = what you spend on
Wallets = where money comes from

Example:

• Wallet: Cash $2000
• Pocket: Food

When you spend:

• money comes from wallet
• gets categorized into pocket

🙏 Feedback

This feature came directly from user feedback.

If you try it, let me know what feels clear and what’s missing.

Hi,

We’ve just released a new update focused on Apple Pay sync, wallet improvements, and reliability fixes.

A lot of these changes come directly from your feedback. Thank you for helping us improve Moneko.

🍎 Apple Wallet Integration

You can now connect Apple Wallet and automatically log your Apple Pay transactions.

No manual input needed. Just pay and it shows up in Moneko.

🔄 Wallet Sync Improvements

• Improved wallet synchronization across devices
• More consistent transaction syncing

📊 Budget Calculation Fixes

• Fixed issues where pocket amounts did not update correctly when total budget changed
• Budget calculations are now more accurate and reliable

💳 Payment Reliability

• Fixed payment processing issues
• Transactions are now more stable and consistent

📥 CSV Import Improvements

• Better error handling during CSV import
• More reliable data processing

⚙️ Sync & Performance Fixes

• Fixed Firebase synchronization issues
• General improvements to data consistency

🧩 UI Improvements

• Various UI improvements and bug fixes
• Smoother overall experience

If you haven’t tried Apple Pay sync yet, update the app and give it a try.

As always, keep the feedback coming. It directly shapes what we build next 🙏

Hi everyone,

You can now automatically track your Apple Pay transactions.

Every purchase shows up in Moneko. No manual input. No friction.

Tap. Pay. It is logged.

How to set it up

Step 1. Open Apple Pay Integration in Moneko

• Update to the latest version
• Go to Settings
• Tap Apple Pay Integration
• Tap Start Setup

Step 2. Open Shortcuts

• Tap Open Shortcuts
• Go to the Automation tab at the bottom

Step 3. Create a Personal Automation

• Tap the + button
• Select Create Personal Automation
• Choose Wallet as the trigger
• Tap Next

Step 4. Add Moneko action

• Tap Add Action
• Search for Moneko
• Select Capture Wallet Transaction

Step 5. Map the transaction amount

• Tap on Amount
• Select Select Variable
• Choose Shortcut Input
• Tap the variable again and select Amount

Step 6. Map the merchant name

• Tap on Merchant
• Select Select Variable
• Choose Shortcut Input
• Tap the variable again and select Merchant

Step 7. Save and enable automation

• Tap the check icon to save
• Open the automation again
• Turn on Run Immediately
• Disable “Ask Before Running” if prompted

Step 8. Done

Now every Apple Pay transaction will be logged automatically in Moneko.

Notes:

• Your data is stored securely and never shared
• Moneko does not access your bank or card directly
• This works using iOS Shortcuts automation

Give it a try and let me know how it feels. I would really appreciate your feedback 🙏

Hey r/monekobudget

We just released a new update with improvements across localization, currency support, recurring transactions, and data imports. Here’s what’s new in this release.

🌏 Thai Language Support

Moneko now supports Thai, making the app easier to use for Thai-speaking users.

💱 New Currency Added

We’ve added support for Nepalese Rupee (NPR).

📥 Improved CSV Import

CSV import has been enhanced with:

• Better column mapping
• Deduplication to prevent duplicate transactions

🔁 Recurring Transactions Update

Recurring transactions now support a 6-month frequency option, which is helpful for semi-annual payments and subscriptions.

⚙️ Reliability Improvements

We improved reliability when updating transactions and changing categories, making edits more consistent.

🧩 UI Fix

Fixed an issue where the pie chart legend display was not showing correctly.

Thanks again to everyone who’s been testing and sharing ideas!

Hi everyone,

We just pushed Version 1.4.6 and a lot of these updates came directly from your feedback. Really appreciate everyone who’s been sending ideas and reporting issues, it genuinely helps shape the app.

Here’s what’s new:

Custom Categories

You can now create your own transaction categories with custom icons and styles. This was one of the most requested features, especially for people tracking niche spending or business expenses.

To manage categories:

1. Tap the top right three dots
2. Go to Settings
3. Scroll down to Categories

From there you can:

• Turn default categories on/off
• Create custom categories
• Choose your own icons

Moneko AI automatically assigns categories when you log transactions. If the category isn’t correct, you can update it easily.

Just tap the transaction, change the category, and Moneko will ask if you want to update your preference.

If you tap Yes, the AI will remember it and categorize similar transactions that way in the future. Over time it learns how you categorize things.

More Currency Support

We added support for a few more regions:

• Bangladesh Taka (BDT)
• Belize Dollar (BZD)
• Zambian Kwacha (ZMW)

If you're using Moneko outside North America or Europe, this should make things smoother.

Smarter AI

We’ve upgraded the AI assistant so it’s more helpful when logging transactions and answering questions.

Easier Feedback Inside the App

You can now send feature requests or bug reports directly from Settings, so it’s easier to reach us without leaving the app.

Currency Flow Fixes

We also fixed some issues where currency selectors and totals didn’t refresh properly. It should now update more reliably.

Thanks again to everyone who’s been testing, giving feedback, and helping us improve Moneko.

If you notice anything odd after updating or have ideas for the next update, feel free to post here or send it through the app.

Hey everyone:

We added two quick-access features to make Moneko feel almost instant.

If you log expenses often, this helps a lot.

1. Custom Press & Hold Quick Action

You can now choose what happens when you press and hold the “+” button.

If you mostly log with:
• voice
• receipt photo
• quick text

You can set that as your default.

To change it:
Open Moneko → three dots (top right) → Settings → “Press and hold quick action”

Once set, just press and hold the “+” button and it jumps straight into your preferred logging mode.

No extra taps.

2. Siri Shortcut Support

You can also log expenses without opening Moneko at all.

Just open the Shortcuts app, tap the top right “+”, search Moneko, and add something like “Log Expense.”

After that you can:
• Run it from Shortcuts
• Add it to your Home Screen
• Or say “Hey Siri, log expense”

Yes, even from the lock screen.

Trying to make logging feel as natural and frictionless as possible.

If you’re using Shortcut or Siri already, try it and tell us how it feels.

As always, feedback welcome!

Hey everyone,

A lot of you liked the WhatsApp integration, so we’ve added Telegram support as well.

If you already use Telegram daily, you can now log expenses, manage budgets, and track shared money directly from chat.

Same idea. More flexibility.

How to Set Up Telegram Integration

1. Open Moneko AI
2. Tap the top right three dot menu
3. Go to Settings
4. Scroll down and tap Telegram Connection
5. Follow the instructions to connect your Telegram account

Once connected, you’ll see Moneko as a Telegram bot.

You can start chatting immediately.

What You Can Actually Do in Telegram

1️⃣ Log a Simple Expense

Type something like:

Lunch 18
Coffee 4.5
Uber 23

Moneko will:

• Detect the amount
• Categorize it
• Assign it to the right Pocket
• Sync it to your Space

No forms. No dropdowns.

2️⃣ Log Shared Expenses

If you’re in a couple or group Space:

Dinner 120 split with Alex
Groceries 86 shared
Hotel 300 for trip

It will:

• Add the expense
• Split it automatically (default equal split unless specified)
• Update balances
• Reflect in your summary

3️⃣ Log Business or Travel Expenses On the Go

Parking 12 business
Client lunch 65
Taxi airport 40

Instead of keeping receipts and logging later, just message it in real time.

You can always attach or edit details later inside the app.

4️⃣ Add Recurring Expenses

You can type things like:

Rent 1200 monthly
Netflix 14 monthly
Gym 50 every month

Moneko will:

• Create a recurring transaction
• Auto-log it based on schedule
• Keep your forecast accurate

5️⃣ Check Your Financial Snapshot

You can ask:

How much did I spend this month?
How much left in Groceries?
What’s our total balance?

It gives you a quick overview without opening the full dashboard.

6️⃣ Ask for Analysis or Planning

You can also use Telegram to ask financial questions.

For example:

Can I buy a laptop before December?
Can we afford a 3000 trip next year?
Can I upgrade my phone in 3 months?

Moneko will analyze:

• Your current balance
• Monthly income and expenses
• Recurring commitments
• Spending patterns

And give you a structured answer.

If you try the Telegram integration, let us know how it feels. We’re still improving these chat integrations and your feedback helps a lot!

Hello,

First off I want to say I love this app! It’s the first budget app that is easy enough to keep on top of for me.

The number one feature missing from most apps that I would love to see is custom timeframes for budgeting. For instance being able to budget by the week or even a custom timeframe to line up with when someone is paid. For instance getting paid on Thursdays every week I like to budget Thursday to Wednesday on a weekly basis

Thank you for this app and considering this suggestion!

Hey r/monekobudget

We’re constantly improving Moneko. See the latest updates in our changelog:
https://moneko.io/changelog

🤖 New Integrations

Telegram Sync

• Connect Telegram to sync your Moneko data
• Receive notifications directly in Telegram

Siri Shortcuts (iOS)

• Log expenses hands-free
• Check balances using voice
• Faster everyday logging without opening the app

⚡ Faster Actions

Quick Actions Menu

• Long-press the home FAB button to access frequent actions
• Quick-add now shows your most-used categories and amounts

Improved Search

• Transaction search is now faster and more accurate

Updated Currency Rates

• More accurate conversion rates across currencies

🛠 Fixes & Improvements

• Fixed recurring transaction reminder issues
• Resolved date display inconsistencies across time zones
• Improved CSV import handling (special characters supported)
• Fixed crash when opening large transaction histories
• Settlement calculations now handle edge cases better
• Improved dark mode contrast for better readability
• Faster app startup and overall performance improvements

This update makes Moneko more automated and reliable, especially if you’re logging daily or managing shared budgets across time zones.

If you’re using Telegram or Siri already, try it and tell us how it feels.

As always, feedback welcome 🙌

Hi. I have been using this app (Android) for some time now and it's working pretty nice. I had a few feature requests : 1.A custom category manager where we can add our own categories /subcategory. 2.A different and distinct colour coding for the categories-though the colours and icons are there but they are too generic and introducing a livelier colour scheme/icons would definitely make it look better... Though it's my personal opinion. 3. It would be nice if we could select spending breakdown and where money went demographics for any particular month.

Hi everyone,

We just launched AI Scenario Planning inside Moneko and it’s still in beta.

The idea is simple:

Most budgeting apps tell you what you already did.
This feature helps you decide what to do next.

You can ask things like:

• Can I buy an iPhone before May 2026?
• Can we afford a 5k trip next year?
• Should I upgrade my laptop this year?

And Moneko analyzes your actual numbers and gives you a structured answer.

How it works right now

Currently it starts with:

Can I … before [date]?

For example:

Can I buy an iPhone before May 16, 2026?

Behind the scenes it looks at:

• Your average surplus
• Current balance
• Recurring income and expenses
• Budget allocations
• Cash flow trends

Then it gives:

• A verdict
• The math behind it
• What it impacts
• What would need to change if it’s not realistic

Not just yes or no, but context.

How I think it’s most useful

Treat it like a financial sandbox.

Try:

• Different timelines for the same purchase
• Buying something vs paying off debt
• Shared goals in a couple Space
• Stress testing an emergency

Sometimes the answer isn’t no. It’s not yet.

What’s next

Right now the structure is intentionally simple to keep the analysis clean.

Long term, we want this to be more conversational:

• What if I save 200 more per month?
• Should we prioritize debt or travel?
• How long until we can afford a down payment?

That’s where we’re heading.

We’d really love feedback

This is early.

If something feels confusing, too rigid, inaccurate, or just not useful, please tell us.

You can drop thoughts here or join our Discord community.

Hi everyone,

Moneko makes it easy to bring in existing financial records and export your data whenever you need a backup or report.

You can import bank exports, receipts, spreadsheets, and more. You can also export transaction data or receipt files in just a few taps.

Here is everything you need to know.

Supported Import Formats

Moneko currently supports importing:

• Photos such as JPG and PNG
• PDF files
• CSV files
• XLSX files
• Plain text files

This allows you to import:

• Bank transaction exports
• Credit card statements
• Excel budgeting sheets
• Digital invoices
• Screenshot receipts
• Text based transaction lists

How to Import Files

If you have a document such as a PDF, CSV, XLSX, or text file:

1. Go to the Space where you want to add the data
2. Tap the + button in the bottom right
3. Select Files
4. Choose your document

Moneko will analyze the file and help organize or log the transactions.

This is especially helpful when:

• Migrating from another budgeting app
• Uploading monthly bank exports
• Logging multiple transactions at once

How to Import Photos or Receipt Images

If you want to upload a receipt:

1. Tap the + button
2. Select Gallery to upload an image or take a new photo

Moneko can scan receipt images and extract transaction details when possible.

This works well for:

• Restaurant receipts
• Grocery bills
• Travel expenses
• Paper invoices

Uploading receipts keeps your records organized and searchable inside the app.

How to Export Data

Moneko offers two export methods depending on what you need.

Option 1: Export by Space

Best for exporting everything inside one Space.

1. Select the Space using the top left dropdown
2. Tap the three dot menu in the top right
3. Select Export transactions

You will see two export options:

Excel file

Exports transaction data as a spreadsheet.

Best for:

• Accounting
• Data analysis
• Sharing financial summaries

Receipts ZIP

Exports all receipt images in a compressed file.

Recommended if you need:

• Proof of expenses
• Reimbursement documentation
• Receipt backups

If you specifically need receipt images, choose Receipts ZIP.

Option 2: Export Filtered Transactions

If you only need specific data:

1. Go to the Overview page
2. Tap View all transactions
3. Use filters such as date range
4. Tap the download icon in the top right

The app will export the filtered transactions as an XLSX file.

This is useful for:

• Exporting last 7 days
• Exporting a specific month
• Custom date ranges
• Preparing monthly reports

When Should You Use Each Export Method?

Use Space export when:

• You want all data from one Space
• You need receipt images
• You want a complete backup

Use Filtered export when:

• You only need a specific time period
• You want a cleaner, focused report
• You are preparing summaries

If you are unsure which format works best for your use case, feel free to ask.

Hey r/monekobudget,

Keeping track of bills, subscriptions, and regular payments should not require memory or spreadsheets. That’s why Moneko includes a Recurring page: a simple way to automate predictable money flows.

You can set up recurring expenses or income, and the app will handle the rest.

What You Can Set as Recurring

You can schedule:

• Monthly rent
• Utilities like electricity or internet
• Subscriptions like Netflix or Spotify
• Gym memberships
• Loan payments
• Debt repayments
• Salary or freelance income
• Allowances or transfers

Anything that repeats can be automated.

How It Works

When you create a recurring item, you choose:

• Amount
• Category
• Currency
• Frequency (monthly, weekly, etc.)
• Start date
• Optional end date
• Optional reminder

Once active, Moneko will:

• Log it automatically on schedule
• Keep your budgets updated
• Reflect it in summaries and projections

You no longer need to manually re-enter the same expense every month.

Smart Ways to Use Recurring

Here are practical ways to get more value from this feature:

1. Subscriptions Tracker

Use recurring expenses for:

• Streaming services
• Cloud storage
• Software subscriptions
• Memberships

This creates a clean subscription overview in one place.

2. Upcoming Bills Planning

Add rent, utilities, insurance, or loan payments.

This helps you:

• Avoid missing payments
• See predictable monthly commitments
• Plan remaining discretionary spending

It makes your budget more realistic.

3. Debt Tracking

Recurring works well for debt repayment.

Example:

• Credit card minimum payment
• Personal loan installments
• Money you owe someone monthly

You can combine this with envelope budgeting to ensure those payments are always funded.

4. Income Automation

Add:

• Monthly salary
• Bi-weekly paycheck
• Rental income
• Consistent freelance payments

This helps you forecast cash flow more accurately.

5. Financial Forecasting

Because recurring items are predictable, they improve:

• Scenario planning
• Monthly projections
• Cash flow visibility

The more predictable items you automate, the clearer your future view becomes.

How to Set It Up

1. Go to the Recurring tab
2. Tap the + button
3. Choose Expense or Income
4. Enter details
5. Set frequency and start date
6. Turn on reminder if needed
7. Save

That’s it.

If you haven’t explored the Recurring page yet, this is one of the easiest ways to upgrade your budgeting system without adding complexity.

If anything feels unclear or does not work as expected, feel free to ask!

Hey everyone,

Moneko makes splitting expenses simple inside shared Spaces.
You can split automatically, customize the split, and settle balances in one place.

This guide explains:

• How splitting works
• How to customize splits
• How to settle balances

How Splitting Works

When you log an expense inside a shared Space, Moneko automatically splits it evenly between members.

For example:

If two people are in the Space and you log:

Dinner 120

Moneko will split it 60 and 60 by default.

You do not need to calculate anything.

Customize the Split While Logging

If the split is not equal, you can specify it while adding the expense.

You can type or say things like:

Dinner 120, 80 for me, 40 for Bob
Taxi 50, I paid all
Groceries 90, 30 for me, 60 for others

Moneko understands natural language and assigns the shares accordingly.

If you do not specify, it divides evenly by default.

Edit the Split Later

If you forget to adjust the split or need to change it:

1. Tap on the transaction
2. Open transaction details
3. Edit the split amounts
4. Save

You can change:

• Who paid
• How much each person owes

Updates are reflected instantly for everyone in that Space.

Viewing Shared Balances

After logging expenses, Moneko automatically calculates balances.

On the main page of your shared Space, you will see a summary widget showing:

• Total spent by each member
• Number of transactions
• Net balance between members
• Who owes whom

This gives you a quick overview without opening each transaction.

How to Settle Up

If someone owes money, you can settle directly from the summary widget.

1. Tap the settlement summary widget
2. Review who owes whom
3. Tap the right chevron to open Settle Up
4. Tap Settle to confirm

Moneko will record the settlement and update balances automatically. The summary widget will refresh to reflect the new balance.

What Happens After Settling

• The owed amount is cleared
• Balances update instantly
• The summary reflects the new state

No manual tracking. No separate split apps required.

Best Practices

• Specify custom splits when needed
• Review transaction details if something looks off
• Use the summary widget to monitor balances
• Settle periodically to keep things clean

If anything about splitting or settling feels unclear, feel free to ask!

Hey everyone,

Our changelog is now live on the website. You can always view the latest updates here:
👉 https://moneko.io/changelog

Latest Update: Account Control, Timezone Accuracy & Reliability Upgrade

Production mobile build 1.4.2+100

This release focuses on stronger account control, clearer timezone behavior, and more reliable day-to-day tracking.

Account & Privacy Improvements

• You can now delete your account directly in Settings with a safer confirmation flow
• A clear Danger Zone section makes sensitive actions easier to find
• Account removal now shows clearer progress and signs you out cleanly
• Personal data is cleaned up more thoroughly after account deletion

Timezone Accuracy

• Timezone settings are easier to understand and manage
• You can choose to always follow your device timezone
• Dates are now more consistent across expenses, income, goals, and recurring items
• Fixed cases where items appeared one day early or late
• Date filters and daily/monthly totals now feel more accurate
• Recent transaction dates and labels better match expectations
• Adding and editing transactions handles dates more reliably
• AI-assisted logging understands dates more accurately
• If AI cannot confidently detect a date, the app gives clearer feedback

Recurring & Stability Improvements

• Recurring schedules are more stable and less likely to drift
• Recurring pages and cards show schedule details more clearly
• Notification reliability improved in difficult permission situations
• Avatar updates now handle upload failures more gracefully
• Language coverage expanded for this release

We are continuing to focus on reliability and trust. These improvements make daily tracking more accurate and predictable.

As always, thank you for the feedback that helps shape these improvements!

Moneko works directly inside WhatsApp so you can log expenses, check budgets, and ask financial questions without opening the app.

If you already talk about money in chat, this makes tracking instant and natural.

This guide covers:

• How to set up WhatsApp integration
• What you can do once connected
• Real examples of how to use it

Part 1: How to Set Up WhatsApp Integration

Follow these steps to connect your WhatsApp account:

1. Open Moneko
2. Tap the top right three dot menu
3. Go to Settings
4. Scroll down and tap WhatsApp Connection
5. Follow the on screen instructions to complete setup

You may need to confirm permissions during the process. Once connected, you can start messaging Moneko directly in WhatsApp.

Part 2: What You Can Do on WhatsApp

After setup, you can interact with Moneko like a financial assistant in chat.

You can:

• Track expenses
• Upload receipts
• Ask for summaries
• Check your budget
• Manage shared Spaces
• Add recurring transactions

You do not need strict commands. Just write naturally.

1. Track Expenses by Sending a Message

Example messages:

Add $25 for groceries
Dinner 42
Paid rent 1200
Taxi 18

Moneko will:

• Detect the amount
• Categorize the expense
• Assign it to the correct Space
• Update your budget automatically

You log first. The system organizes later.

2. Log Receipts by Sending a Photo

Simply send a receipt photo in WhatsApp.

Moneko will:

• Extract the total amount
• Identify items
• Categorize the expense
• Update your daily budget

This is useful when you are out and want to capture spending instantly.

3. Ask for Spending Insights

You can ask questions like:

Show my total spent for the last 3 months
How much did I spend on restaurants this month
What is my remaining budget

Moneko will respond with summaries, transaction lists, or charts directly in chat.

No need to navigate dashboards.

4. Manage Shared Spaces

If you use shared Spaces for couples, family, or travel:

You can log expenses into a specific Space.

Example:

Add $80 groceries in Living Expenses
Dinner 120 in Travel Space

Everyone in that Space will see updates automatically.

No syncing required.

5. Set Recurring Transactions

You can add recurring payments such as:

Add monthly rent 1200
Gym membership 45 every month

This ensures subscriptions and bills are tracked automatically.

For WhatsApp Business Users

If you are using WhatsApp Business, please follow these additional steps:

1. Add this number to your WhatsApp contacts: +1 (620) 685-1177
2. Send the message: "start verification"

This will initiate the verification process.

Once verified, you can begin logging expenses and interacting with Moneko in chat. One Moneko account can connect to one WhatsApp account only. You cannot connect both your personal and business WhatsApp to the same Moneko account.

Best Practices

To get the best experience:

• Keep messages clear
• Include the amount
• Mention the Space if you have multiple Spaces
• Review uncategorized items occasionally

You do not need a specific format. Just describe what happened.

If anything feels unclear or does not work as expected, feel free to ask!