Yes, Moni is completely free to download and use. All core features — including expense tracking, budget management, group splitting, savings goals, analytics dashboard, and Shopee cashback rewards — are available at no cost. There are no ads, no hidden fees, and no subscription required.

100% Free · No Ads · No Hidden Costs

Stop Wondering Where
Your Money Went

Track spending by voice, split costs with friends, and earn Shopee cashback — the only free finance app you'll ever need.

Track by voice, photo, or typing

Split costs with friends instantly

Earn real cashback on Shopee

Download on the App Store

COMING SOON Google Play

4.8 App Store Rating

Secure & Private

5,000+ Users

Moni - Your financial overview at a glance

Sound Familiar?

Managing Money Shouldn't Be This Hard

Where did it all go?

You check your balance and can't explain where half your salary went this month.

Splitting bills is awkward

Group dinners and trips turn into math nightmares. Someone always forgets to pay back.

Budgeting apps cost too much

The best finance apps charge $10-15/month. Others are free but limited or full of ads.

Moni Fixes This

One App for Everything

Track, split, budget, analyze, and earn cashback — completely free, forever.

Core Feature

Track Every Dong in Seconds

Add expenses by typing, voice command, or snapping a receipt photo. Moni auto-categorizes everything so you always know where your money goes.

Voice Input Photo Receipts Auto Categories

Social Feature

Split Costs Without the Awkwardness

Create groups for trips, shared apartments, or dinner parties. Add expenses and Moni automatically calculates who owes whom. No more mental math or forgotten debts.

Unlimited Groups Auto Calculate Share via Link

Unique to Moni

Earn Cashback While You Shop

Shop on Shopee through Moni and earn cashback on every purchase. Track your balance, build streak rewards, and withdraw anytime. No other finance app does this.

Xem hướng dẫn kiếm hoàn tiền Shopee

Streak Rewards Real Withdrawals via Shopee

And Much More

Everything Else You Need

Budget Management

Set monthly budgets by category. Get alerts before you overspend.

Analytics Dashboard

Beautiful charts and insights to understand your spending patterns.

Savings Goals

Set targets, track deposits, and turn dreams into achievable milestones.

Couple Finance

Manage money together with your partner. Shared view, joint tracking.

Recurring Transactions

Auto-track rent, subscriptions, and bills. Never miss a recurring expense.

Savings Challenges

Fun challenges to build better saving habits and reach goals faster.

Get Started in Minutes

How It Works

Three simple steps to financial clarity.

Download Moni

Free from the App Store. Set up your account in 30 seconds.

Track & Split

Add expenses by typing, voice, or photo. Split with friends in groups.

See Insights & Earn

Get analytics, set budgets, reach savings goals, and earn Shopee cashback.

See It In Action

Beautiful & Intuitive Design

Designed to make managing money feel effortless.

Why Moni?

The Only Free App That Does It All

Feature	Moni	Money Lover	Splitwise	YNAB
Price	Free	Freemium	Freemium	$14.99/mo
Group Splitting	✓	✗	✓	✗
Cashback Rewards	✓	✗	✗	✗
Voice Input	✓	✗	✗	✗
Offline Mode	✓	✓	✗	✓
Analytics	✓	✓	✗	✓
Couple Finance	✓	✗	✗	✗
Recurring Tracking	✓	✓	✗	✓
Languages	10	5	10+	3

Moni Recommended

✓Free

✓Group Splitting

✓Cashback Rewards

✓Voice Input

✓Offline Mode

✓Analytics

✓Couple Finance

✓Recurring Tracking

10Languages

Money Lover

~Freemium

✗Group Splitting

✗Cashback Rewards

✓Offline Mode

Splitwise

~Freemium

✓Group Splitting

✗Cashback Rewards

YNAB

$$14.99/mo

✗Group Splitting

✓Analytics

What Users Say

Loved by Thousands

"Moni completely changed how I manage my finances. The group expense splitting is a lifesaver for our monthly apartment costs!"

Sarah A.

Freelance Designer

"Best finance app I've used. The analytics dashboard gives me insights I never had before. Finally understand where my money goes each month."

Mike T.

Software Engineer

"The Vietnamese language support is perfect! I love using it to track expenses during our family trips. The offline mode works flawlessly."

Linh N.

Travel Blogger

Got Questions?

Frequently Asked Questions

Is Moni free to use?

Yes, Moni is completely free to download and use — no ads, no subscription, no hidden fees. All core features including expense tracking, budget management, group splitting, savings goals, analytics, and Shopee cashback rewards are included at no cost.

Is my financial data secure?

Absolutely. Moni uses biometric authentication (Face ID / Touch ID), local on-device encryption, and never shares your financial data with third parties. Your expense records stay private on your device.

Does Moni work offline?

Yes, Moni is designed to be offline-first. You can add expenses, manage budgets, and view your financial data without an internet connection. Everything syncs automatically when you reconnect — perfect for traveling or areas with poor connectivity.

Which devices are supported?

Moni is currently available for iPhone (iOS) — download it free on the App Store. Android support is actively in development and coming soon. The app supports 10 languages including English and Vietnamese.

Can I export my data?

Yes, Moni lets you export your full expense history and transaction data for personal record-keeping, tax reporting, or accounting purposes. Your data is always accessible and portable.

How does group expense splitting work?

Create a group, add members, and log shared expenses like meals, trips, or rent. Moni automatically calculates who owes whom and shows a clear settlement summary — no more awkward money conversations with friends or roommates.

How does cashback work?

Moni integrates with Shopee's affiliate program so you earn cashback every time you shop on Shopee through the app. Just paste a Shopee product link into Moni or share directly from the Shopee app, shop as normal, and cashback is automatically credited to your wallet. Withdraw your balance anytime with no minimum threshold.

Stop Wondering Where
Your Money Went