🧾 receipt📱 transfer slip💭 installment🧾 parking📱 e-wallet
01
Records scattered everywhere
Receipts in the wallet, transfer slips in the gallery, installment dates only in your head. It all exists, just never in one place.
Coming soon · Family Financial OS
Family finances, sorted.Right from your chat.
Monne is a chat-based family finance app. Send a message, receipt photo or screenshot in the web chat; Monne records it and tells you what's safe to spend today.
Just chat on the webNo bank login neededBuilt for the whole family
Monnebot · online
Safe to spend todayRp0after this month's bills, installments, and goal savings
Last 7 days
Just recorded
Why Monne
Payday was last week.Where did it go?
Family money problems are rarely about willpower. Money moves across several accounts, installments fall on different dates, and everyone in the house has their own habits.
02
The spreadsheet you gave up on
A great week of logging, then nothing. It isn't laziness. Manual bookkeeping is simply exhausting.
Rp4,800,000−Rp3,650,000bills, installments & savings not set aside
03
A balance that only looks safe
The account looks healthy, but this month's bills, installments and goal savings haven't been set aside yet.
How it works
How it works:as simple as texting.
How to track family finances with Monne: send anything to Monne's web chat, Monne understands what it is, and everything lands neatly in your family dashboard.
“internet bill 316k”
01
Send anything to the chat
Open the Monne chat in your browser and type like a normal message, snap a receipt, or share a screenshot of a transfer or bank statement. One screenshot with many transactions works too.
Transfer · BCA → Jenius
02
Monne understands the intent
Not everything is an expense. Monne tells transfers, installments, savings goals, balance updates and notes apart, and recognises the account from the bank name or account number.
1 item to review
03
Everything lands in one place
Clear items are recorded right away. Uncertain ones go to your Inbox for review. Likely duplicates are asked about first, never recorded twice.
One chat
One chat,every kind of money note.
Monne doesn't force every message into an expense. Each one is routed to the record type that actually fits. These are the eight types.
internet bill 316kExpense📷 supermarket receiptReceipt📱 transfer screenshotTransfercar tax in November, about 3mObligationmotorbike 2.1m x 36Installmentinternet bill 316kExpense📷 supermarket receiptReceipt📱 transfer screenshotTransfercar tax in November, about 3mObligationmotorbike 2.1m x 36Installment
set aside 500k monthly for schoolFunding ruleeducation fund 500m by 2044Goaljenius balance is 3.1mBalancefamily event in Lampung next monthNote📱 credit card statementMany transactionsset aside 500k monthly for schoolFunding ruleeducation fund 500m by 2044Goaljenius balance is 3.1mBalancefamily event in Lampung next monthNote📱 credit card statementMany transactions
- Expense
- from plain text, like “internet bill 316k”.
- Receipt
- a photo split into line items, with its total.
- Transfer
- a transfer screenshot between accounts, not counted as spending.
- Obligation
- an upcoming bill, such as vehicle tax.
- Installment
- a monthly schedule with the remaining tenor.
- Funding rule
- a recurring contribution to a specific goal.
- Goal
- a long-term target such as education or retirement.
- Balance & note
- account balance updates and family plans.
Features
More than tracking.Monne helps you decide.
Beyond recording, Monne works out what's safe to spend, keeps the monthly plan on track, and follows your family's goals.
Safe to spendRp0On plan
“Safe to spend” is the money you can use today, after this month's bills, installments and goal savings are already set aside.
Needs72%
Installments100%
Flexible58%
Goals40%
A monthly budget that adapts
Many income sources, one monthly plan. When a category runs over, Monne shows where to cover it from and what it does to your goals.
Emergency fund68%
Education34%
Emergency & education funds
Set family goals like an emergency fund, children's education or retirement, with regular contributions and visible progress.
Good morning! You logged Rp128,000 yesterday, still under the family's daily plan. 🌿
A daily family brief
A morning brief and evening reflection for each family member, plus a heads-up when family spending starts outpacing the plan.
is a 6m fridge this month okay?
SafeSafe, with a trade-offNot recommendedUnsafe
“Can we afford this?”
Ask before you buy. Monne weighs cash, plan and goals, then gives an honest answer and the trade-offs.
Who it's for
Made for householdslike yours.
Monne is built for homes where money is managed together, from newlyweds to larger families.
Couples merging their finances
Two salaries, shared bills, shared savings. Each of you just chats from your own account, and it all meets in one dashboard. No more who-paid-what.
Families saving for what's next
Emergency fund, education fund, home or vehicle installments. Monne keeps them on track while telling you what's safe to spend today.
The one juggling many accounts
Several income sources, bank accounts and e-wallets everywhere. Monne recognises the account from the bank name or number, so you don't pick it by hand every time.
Comparison
Why not justuse a spreadsheet?
The difference is how you record and who does the thinking. Here's how Monne compares with a spreadsheet and a typical expense tracker app.
| Monne | Spreadsheet | Typical tracker app | |
|---|---|---|---|
| How you record | Chat, receipt photo or screenshot | Type each row by hand | Fill in forms in the app |
| Shared by the family | Everyone has their own chat, one dashboard | Shared file, frequent conflicts | Usually one account |
| Installments, bills & goals | Recognised from your messages | Build your own formulas | Separate or limited |
| Safe to spend today | Calculated daily | Work it out yourself | Rarely available |
| Bank account access | Not needed | Not needed | Depends on the app |
A general comparison based on how each approach works; individual apps may differ.
Family & privacy
Your family's moneystays your family's business.
Monne grew out of our own family's needs, and we use it every day before sharing it with other families. These are its privacy principles.
Every member has their own chatPartners and other family members log through their own Monne account. It all adds up to one family picture, kept separate from every other family.
No bank login neededMonne never asks for internet-banking access. You choose what to send.
Proof photos aren't kept foreverReceipts and screenshots are stored only temporarily, then deleted automatically once recorded.
You stay in controlUncertain items aren't guessed. Monne asks first, or puts them in your Inbox to decide.
Monne Clips
Money lessons,sixty seconds at a time.
Monne Clips are short videos on family finance, investing, business and money habits: the best moments from long conversations, captioned. Published on YouTube Shorts, TikTok and Instagram Reels.
First videos coming soon
Follow us on Instagram so you don't miss them.
FAQ
Still curious?Fair.
Monne is a chat-based family finance app on the web. You send a message, receipt photo or screenshot in the chat; Monne recognises the type of record, organises it in a family dashboard, and calculates what's safe to spend today.
Right now Monne is used privately by our own family. Early access will be announced first on Instagram.
Pricing hasn't been decided yet. We'll share the details together with early access.
No. Monne doesn't connect to internet banking. You simply send the messages, receipts or screenshots you want recorded.
Monne never asks for a bank login, each family's data is kept separate, and receipt photos and screenshots are deleted automatically once recorded. You also decide what gets sent.
Yes, that's the point. Every family member has their own account and chat, and all records come together in one family dashboard.
“Safe to spend” is the money you can use today after this month's bills, installments and goal savings are set aside. A healthy-looking balance can't fool you.
You use Monne through chat, not forms. It also tells expenses, transfers, installments, goals and balance updates apart, and it's designed to be shared by one family.
No. Monne runs right in your browser, on phone or laptop. If you like, add it to your home screen so it opens like an app.
Yes. Past history can be imported from a CSV file, including Spendee exports.
Coming soon
Be first in linewhen Monne launches.
Launch news, early access and family money tips. We share them first on Instagram.