Monely: Money Manager 앱 분석 (10월 21일)

Monely is the personal finance app for individuals, couples and families, with artificial intelligence on WhatsApp. Track your day-to-day spending, manage your money and stay on budget. Log expenses by text, voice or photo, without even opening the app. No ads on any plan. A money manager and expense tracker to take control of your finances, on your own or in a group: income, expenses, accounts, credit cards, loans and investments in one place. - LOG EXPENSES ON WHATSAPP WITH MONI Send "spent $45 on groceries" to Moni, the Monely assistant on WhatsApp, and it's logged. Moni understands text, voice notes and receipt photos, puts each entry in the right account and category, and replies in 8 languages. On WhatsApp or in the app, ask Moni how much you spent on groceries this month. - RECEIPT SCANNER Snap a photo of a receipt and Monely reads the amount, date and description, then suggests the category, in the app or on WhatsApp. You can edit anything if needed. - ENTRY SCREEN Expense, income or transfer on one screen, with Monely's own keypad and the save key right among the numbers. Templates fill in your usual entries in one tap. - GROUPS: COUPLES, FAMILIES AND ROOMMATES Keep your personal finances separate from shared ones, in groups of up to 4 people: only what you mark as shared shows up in the group, and everything else stays visible to you alone. Split equally or in proportion to each person's income, and Monely closes the month showing who owes whom. - CREDIT CARDS AND INSTALLMENTS Current and closed statements, available credit and a due date reminder. Enter an installment purchase once and each payment lands on the right statement, even a purchase you are already paying off. Track your overdraft limit too. - LOANS A car loan, a mortgage or money a friend owes you: what you borrowed and what you lent, with interest, installments and how much is left. - INCOME AND INVESTMENT GOALS Set the share of each month's income that goes to investing, to shared expenses and to personal spending, split into Necessary and Desirable. Create investment goals with a target amount and a progress bar: your emergency fund, a trip, a down payment on a home. - ANALYTICS AND INSIGHT OF THE DAY Charts by category and subcategory, money in and out, largest expenses, net worth and month-over-month comparisons in the Analytics tab. In the Insight of the day, AI reads your spending and shows where your money went, the days when you spend the most and how the month compares with previous months. - SCHEDULED PAYMENTS Rent, subscriptions, paychecks: set them up once to repeat daily, weekly, monthly or yearly, then choose a reminder to confirm or an automatic entry. - CATEGORIES AND LABELS Unlimited custom categories and subcategories, plus labels that cut across categories, like a trip or a home renovation. - DATA IMPORT Direct import from Wallet, Minhas Finanças, Money Manager, Bluecoins and Splital, plus OFX and QFX bank statements and CSV, TSV, XLS and XLSX spreadsheets, without losing your history. - 155 CURRENCIES AND 8 LANGUAGES 155 currencies plus Bitcoin, with exchange rates updated automatically. Available in English, Portuguese, Spanish, French, German, Turkish, Hindi and Indonesian. - PHONE AND BROWSER iPhone and the browser at web.monely.app, with backup and sync. Light or dark theme, and a home screen with only the sections you choose. - MEDALS AND STREAKS Keep your daily streak going, earn medals and compete on the leaderboard, or opt out anytime. - SECURITY AND PRIVACY Lock the app with biometrics, PIN or passcode and hide amounts with one tap. We do not sell your data. Organize your personal finances and track your money in the app or on WhatsApp, with AI. Terms of Use (EULA): https://monely.app/en/terms.html Privacy Policy: https://monely.app/en/privacy.html