Moni có miễn phí không?

Có, Moni hoàn toàn miễn phí để tải và sử dụng — không quảng cáo, không phí ẩn, không cần đăng ký. Tất cả tính năng cốt lõi bao gồm theo dõi chi tiêu, quản lý ngân sách, chia tiền nhóm, mục tiêu tiết kiệm, bảng phân tích và hoàn tiền Shopee đều miễn phí.

Dữ liệu tài chính của tôi có an toàn không?

Hoàn toàn an toàn. Moni sử dụng xác thực sinh trắc học (Face ID / Touch ID), mã hóa cục bộ trên thiết bị và không bao giờ chia sẻ dữ liệu tài chính của bạn với bên thứ ba. Hồ sơ chi tiêu của bạn luôn được bảo mật riêng tư trên thiết bị.

Moni có hoạt động ngoại tuyến không?

Có, Moni được thiết kế ưu tiên ngoại tuyến. Bạn có thể thêm chi tiêu, quản lý ngân sách và xem dữ liệu tài chính mà không cần internet. Tất cả tự động đồng bộ khi bạn kết nối lại — hoàn hảo cho các chuyến đi hay vùng có kết nối kém.

Ứng dụng hỗ trợ thiết bị nào?

Moni có sẵn cho cả iPhone (iOS) và Android. Tải miễn phí trên App Store hoặc Google Play. Ứng dụng hỗ trợ 10 ngôn ngữ bao gồm tiếng Việt và tiếng Anh.

Chia tiền nhóm hoạt động như thế nào?

Tạo nhóm, thêm thành viên và ghi nhận chi phí chung như bữa ăn, chuyến đi hay tiền thuê nhà. Moni tự động tính ai nợ ai và hiển thị tóm tắt thanh toán rõ ràng — không còn cảnh ngại ngùng khi đòi tiền bạn bè hay người cùng phòng.

Hoàn tiền Shopee hoạt động như thế nào?

Moni tích hợp chương trình affiliate của Shopee, TikTok Shop và các thương hiệu đối tác để bạn kiếm hoàn tiền mỗi đơn hàng mua qua app. Chỉ cần dán link sản phẩm vào Moni hoặc chia sẻ trực tiếp từ app mua sắm, mua sắm như bình thường và hoàn tiền sẽ tự động cộng vào ví. Tỉ lệ hoàn tăng theo hạng thành viên (Đồng đến Kim Cương) và bạn nhận thưởng khi bạn bè dùng mã giới thiệu. Rút tiền bất cứ lúc nào, không có mức tối thiểu.

Tôi có thể xuất dữ liệu không?

Có, bạn có thể xuất dữ liệu chi tiêu cho mục đích cá nhân hoặc kế toán.

AI Tư Vấn Vàng hoạt động như thế nào?

AI Tư Vấn Vàng của Moni cập nhật giá vàng thực tế mỗi 15 phút, sau đó chạy mô hình dự báo ARIMA và phân tích chỉ báo kỹ thuật (RSI, MACD) để tạo ra tín hiệu Mua/Giữ/Bán mỗi ngày. Bạn có thể theo dõi tài sản vàng, đặt ngưỡng cảnh báo giá tùy chỉnh và nhận push notification khi giá đạt mức mục tiêu.

100% Free · No Ads · No Hidden Costs

Stop Wondering Where
Your Money Went

Track spending by voice, split costs with friends, and earn cashback from Shopee & TikTok Shop — 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 & TikTok Shop

Download on the App Store

Get it on 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.

Split group costs: see the guide

Unlimited Groups Auto Calculate Share via Link

Unique to Moni

Earn Cashback While You Shop

Shop on Shopee, TikTok Shop and partner brands through Moni and earn cashback on every order. Climb member tiers from Bronze to Diamond for higher rates, invite friends for referral bonuses, and withdraw anytime. No other finance app does this.

Xem hướng dẫn kiếm hoàn tiền Shopee

Member Tiers Real Withdrawals Shopee & TikTok Shop

AI Feature

AI Gold Advisor — Buy, Hold, or Sell?

Moni's built-in AI analyzes gold price trends using ARIMA forecasting and technical indicators (RSI, MACD) to give clear Buy/Sell/Hold signals daily. Compare live prices by brand and store in Gold Hub, track your gold assets, set price alerts, and follow a source for a daily price digest.

See gold prices and AI signals in detail →

AI Signals Price Alerts ARIMA Forecast

Moni - AI gold signal: Buy, Hold or Sell with confidence and factors

And Much More

Everything Else You Need

Budget Management

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

Learn more →

Analytics Dashboard

Beautiful charts and insights to understand your spending patterns.

Learn more →

Savings Goals

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

Learn more →

Couple Finance

Manage money together with your partner. Shared wallet, joint tracking, and reimbursement requests paid in one tap via VietQR.

Learn more →

Recurring Transactions

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

Learn more →

Savings Challenges

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

Debt Tracker

Track money you lend or borrow with clear records, so no debt gets forgotten.

Coming soon

Group Savings

Save collectively with friends or family toward a shared goal — trip fund, gift, or emergency pool.

Coming soon

Guest Participants

Add anyone to a group split — no account needed. Perfect for one-time trips with non-app users.

Learn more →

Financial Formulas

Pick 50/30/20, 80/20 or 70/20/10 and apply it to your income as a ready-made budget plan.

Learn more →

Fuel Price Alerts

Get a push notification whenever Vietnam's petrol and diesel prices change.

Quick-Add Widget

Log an expense straight from your iPhone home screen widget, without opening the app.

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 cashback from Shopee & TikTok Shop.

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	✓	✓	✗	✓
AI Gold Advisor	✓	✗	✗	✗
Languages	10	5	10+	3

Moni Recommended

✓Free

✓Group Splitting

✓Cashback Rewards

✓Voice Input

✓Offline Mode

✓Analytics

✓Couple Finance

✓Recurring Tracking

✓AI Gold Advisor

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 available for both iPhone (iOS) and Android. Download free on the App Store or Google Play. The app supports 10 languages including English and Vietnamese, and works fully offline on both platforms.

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?

Shop on Shopee, TikTok Shop and partner brands through Moni's affiliate links and earn cashback on every order. Your cashback rate rises as you climb member tiers (Bronze to Diamond), and you earn bonuses when friends join with your referral code. Withdraw your balance anytime.

How does the AI Gold Advisor work?

Moni's AI Gold Advisor fetches live gold prices every 15 minutes, then runs ARIMA forecasting and technical indicator analysis (RSI, MACD) to generate a daily Buy/Hold/Sell signal. You can track your gold assets, set custom price alert thresholds, and receive push notifications when prices hit your targets.

Stop Wondering Where
Your Money Went