Write what you spent.See where it went.
You do not need a finance lesson to track your money. You need a quick way to write it down before you put it off.
Start with one entry. The picture gets clearer as you keep going.
- ✓Type it the way you'd say it — "coffee $4, lunch $12"
- ✓We catch the amount, the category, and the wallet.
- ✓Review, save, and get on with your day.
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What'd you spend today?
move $50 from cash to card, then lunch $12 and coffee $4 on card
Reading...
✓ Got it — that's a transfer
✓ Expense picked up
✓ Category matched
✓ Wallet found
Transfer
Cash → E-Wallet
Expense
Snack · Makanan
Dompet: E-Wallet
Expense
Kopi · Makanan
Dompet: E-Wallet
The journey
Start small. Keep going. See the pattern.
Three steps that fit normal days.
Capture
Make recording feel easy.
Whatever you spent, however you'd say it. We do the sorting so you can save it quickly.
Understand
See where the money went.
Patterns show up once entries are there. No spreadsheet and no finance vocabulary required.
Decide
Make the next choice clearer.
Limits, forecasts, and suggestions help with small daily choices once the basics are recorded.
How it works
Write it like you'd say it
No forms, no dropdowns, no setup. Just the moment, in your words.
We catch the rest
Amount, category, wallet, transfer — all picked up from what you wrote.
It shows up where it belongs
Dashboard, budgets, and patterns fill in on their own. Nothing to reconcile later.
What you get
Everything you need to keep tracking
The everyday pieces: entries, wallets, transfers, limits, and patterns.
Write it, save it
"coffee $4, ride $18" — type it the way you'd say it. Moneitory catches the amount, category, and wallet. Review, save, done.
paycheck $3,200 coffee $4
↓ 2 transactions saved
All your wallets, one screen
Cash, bank, e-wallet, credit card. Balances update the moment a transaction lands. No retyping, no spreadsheets.
Move money, not double entries
Transfers between wallets log once. Both sides update together — no double entry.
Limits before surprises
Set a spending cap per category or wallet. Know when you are getting close.
See where it went
Category breakdowns, monthly trends, and top merchants make the answer easier to find.
Principles, not promises
Four things that won't change
Whether you use Moneitory for a day or a year, these hold.
Your data stays yours
Not sold, not shared, not used to train anyone else's AI. Encrypted at rest. AI runs in your browser, on your device.
No ads, ever
No banners, no pop-ups, no noisy prompts. Just you and your data.
Light on old phones
Opens fast. Loads fast. Still smooth on a 4-year-old phone.
Becomes part of the day
Around 30 seconds to log what you spent today. That's the whole ask.
When the habit slips
Three things that break tracking by week two
The product is built around them.
Irregular income
When income comes irregularly
Top-ups from parents on the 5th, freelance payments whenever clients pay, e-wallet reloads from cash — captured without rebuilding a spreadsheet every night. Category limits warn you before you go over, not after.
Money on the move
When money moves between accounts
Cash in hand, e-wallet reloads, transfers between accounts, lunch on the go — every entry lands in the right place with no miscount. Log once, both sides update together.
Shared accounts
When more than one person is involved
Weekly groceries, electric bill, school fees — all logged without switching apps. Privacy is a default: family data is never used by third parties, encrypted at rest, AI runs in the browser.
Not just templates
How Moneitory understands what you wrote
The parser reads what you mean, not just what you type. Here are real everyday inputs and what gets picked up — amount, category, wallet, type, all in one go.
Input
coffee $4, lunch $12, rideshare $18
Parsed
✓ Food · $4
✓ Food · $12
✓ Transport · $18
Input
paycheck $3,200 to checking, rent $1,200
Parsed
✓ 💰 Paycheck → Checking · $3,200
✓ 🏠 Rent · $1,200
Input
move $50 from cash to card, then snack $6 on card
Parsed
✓ 🔄 Transfer Cash → Card · $50
✓ Food · $6
Three ways to track money
Spreadsheet. Other apps. Moneitory.
Three approaches, three trade-offs. Pick what matches how you actually live.
Moneitory
- ✓Capture by writing — type it the way you'd say it
- ✓Patterns surface on their own, once the habit does
- ✓Your data stays yours — encrypted, never sold, AI on device
- ✓Built to fit the routine, not to be a hobby
Spreadsheet
- ·Build your own formulas, error-prone
- ·Categories picked manually for every row
- ·Strong privacy, but the effort breaks the habit
- ·No insight on its own, just the raw numbers
Other apps
- ·Forms and dropdowns to fill every time
- ·Template categories, no context awareness
- ·Usually monetized through your data
- ·Server-side AI, data leaves the device
Things people ask
Common questions, straight answers
The things people ask before they start tracking, and the things they ask after they stop.
Why this and not a spreadsheet or another tracker?
Most trackers fail for the same reason: recording feels like work, so the habit dies by week two. Moneitory is built around that — type the way you talk, and the app catches the amount, the category, the wallet. No forms, no dropdowns. Once the habit holds, the patterns show up. That's what the rest of the product is for.
Is Moneitory free?
Yes. The core — capture, wallets, transfers, budgets, analytics — is free. No card, no ads, no trial. Some features — multi-currency, export, recurring transactions, AI insights — are on a paid plan, but everyday tracking stays free.
Is my data private?
Your data isn't sold, isn't shared, isn't used to train anyone else's AI. It's encrypted at rest, backed up to a region you pick, and exportable or deletable any time. The AI that runs in your browser (Gemini Nano, LiteRT-LM) processes on your device — it doesn't leave for processing.
How do I log a transaction?
Type it like a chat message. "Coffee 25k, lunch 45k from gopay." Moneitory catches the rest and shows you the result. Review, hit save. No category dropdowns, no setup screens.
Does it work on mobile?
Yes. Moneitory is a web app designed mobile-first — responsive, light on old phones, first paint under a second. Add it to your home screen from your phone's browser and it behaves like a native app. iOS Safari, Android Chrome, all modern browsers.
What does Moneitory do that other apps don't?
Three things. Natural-language input that understands everyday speech — not just templates. AI that runs on your device, so your data never leaves it. And privacy as a default, not a premium upgrade.