Import purchases automatically through Apple Shortcuts, scan receipts into itemized transactions, and see bills, goals, loans, and investments in one place. Private by default. Free to start.
Monetor is the iPhone finance app that imports your spending automatically without a bank login. Apple Shortcuts brings transactions in, receipt OCR cleans up paper spend, and bills, goals, loans, and assets stay in one place.
Every finance app wants your bank login before it shows you a single number.
Your month is spread across two banks, a notes app, and the back of a receipt.
You're tired of typing every coffee and cab into a spreadsheet nobody opens.
You forgot last month's bill. Again. The calendar told you at 23:58.
You track spending in one currency but live in two. Every Sunday becomes a math session in your head.
Monetor is the calm fix.
Most apps focus on charts first. Monetor starts with capture, cleanup, and context — the daily work of actually knowing what your money is doing.
Pull purchases straight from Apple Wallet through the Shortcuts app. No Plaid, no screen-scraping, no aggregator between you and your data. Your phone, your flow, your credentials.
Snap a receipt. Monetor's OCR reads line items, tax, and totals, then hands you an editable transaction with categories and splits pre-filled. No retyping from paper, no cleanup weekend.
Transactions, bills, loan schedules, savings goals, stocks, ETFs, and crypto stay under one roof. Multi-currency runs in the background so totals still make sense when your life spans more than one number.
A calm loop. Add something, let Monetor tidy it, and watch your month come into focus.
Add a transaction in two taps, or pull one in from Apple Wallet through the Shortcuts app.
Scan a receipt and Monetor's OCR parses line items, tax, and totals in seconds. Edit inline, split categories, done.
Spending, bills, and goals live together in one readable picture. Multi-currency, multi-account, multi-category — all in one place.
Most finance apps give you charts. Monetor gives you a coach. Pick the tone — Natural jokes, Angry Mom, or Friendly — and get insights that actually sound like someone's paying attention.
Built wide enough for real life, quiet enough to stay out of the way.
Net worth, category breakdowns, and month-over-month, with exchange-rate awareness.
Recurring bills, loan schedules, and on-device reminders that respect your calendar.
Round-ups, percentage rules, and fixed monthly saves, with progress you can feel.
Positions and balances are there when you need them, without taking over the whole product.
No bank login, no ad tracking, and no selling your data.
First-class Armenian and English localization, with currencies, dates, and categories included.
Import a PDF loan schedule. Monetor reads the installments and sets reminders.
Try Monetor without an account. Sign up later without losing the point of starting fast.
Free handles the basics. Pro removes the limits and unlocks the features that do the real work: Apple Shortcuts import, receipt OCR, AI personas, and export.
Enough to track the basics of your money life on iPhone, in English or Armenian.
Everything in Free, without the 1-item limits, plus Apple Shortcuts import, receipt OCR, AI coaching, and export.
Early access members start with a 14-day free Pro trial at launch. Billing begins only after the trial, at founder's rates locked for life. No charges during trial. Cancel in one tap from Settings.
The things most people want to know before installing a finance app.
Monetor is the first iPhone finance app that imports transactions automatically through Apple Shortcuts — no bank login, no Plaid, no aggregator. It combines spending, bills, loan schedules, savings goals, stocks, ETFs, and crypto in a single dashboard, with AI-powered insights and tone-configurable coaching. Private by default, multi-currency, and localized in English and Armenian.
No. Monetor never asks for your bank credentials. Transactions come in through Apple Shortcuts, receipt scans, or fast manual entry. No bank login means no Plaid, no screen-scraping, and no aggregator in the middle.
YNAB, Copilot Money, Monarch, and the now-retired Mint all share one dependency: they need your bank login through Plaid or something similar. Monetor is built the opposite way. Transactions come in via Apple Shortcuts, receipts via OCR, and everything else via fast manual entry. That makes it a better fit if you care about privacy, live outside the US, or juggle more than one currency.
Yes. Monetor is the closest thing to Mint's "everything in one place" view without the two parts that made people stop using it: the forced bank connection and the ad-driven business model. Spending, bills, savings, loans, investments, and crypto all live in Monetor.
You install a Shortcut we provide. When you pay with Apple Wallet, it can send the merchant, amount, and timestamp into Monetor with your approval. That keeps the automation on your phone instead of inside a bank aggregator.
Use receipt OCR for paper or card purchases, or add a transaction in two taps. Monetor is designed to be fast whichever way money moves.
Not yet. Monetor is iPhone-first. A web dashboard is on the roadmap; early access members will hear about it first.
Monetor has a free tier forever. Monetor Pro is $12.99/month, $79.99/year (that's $6.67/mo, a 49% saving), or $149.99 lifetime. Early access members get founder's pricing locked for life. See Pricing.
Yes. Monetor never stores bank credentials because it never asks for them. Account data is kept on a private Supabase backend with encryption at rest. No ad tracking, no selling of data, ever.
Any currency. Totals stay accurate when you switch between Armenian drams, US dollars, euros, and other currencies. Exchange rates update automatically in the background.
iPhone first. We're launching on iOS so the Apple Wallet Shortcuts app flow, widgets, and the rest feel native. Android is coming soon. Drop your email and we'll tell you the day it ships.
First-class Armenian and English. Currencies, dates, and category names all adapt.
Drop your email. We'll send the day Monetor ships, a personal invite code, and founder's pricing locked for life.
iPhone · iOS 15.1+ · Android coming soon · No spam, one email per milestone.
