Know exactly where your money goes.
Track every expense in seconds — speak it, scan the receipt, or let Apple Pay log it. Vaulty, your money companion, helps you make sense of it all. Offline-first, and private by design.
Free to start · No account required · Works offline
Log it however you like.
Speak it, snap the receipt, drop in a payment screenshot, or type it — MonVa turns any of them into a clean transaction with the amount, currency and category already filled in.
- ✓ AI voice, receipt camera, screenshot or manual
- ✓ Amount, currency & category detected for you
- ✓ Apple Pay payments can even log themselves
Every tap, logged for you.
Pay in a store with Apple Pay and the expense shows up in MonVa by itself — waiting in Pending, ready to confirm with a single tap. No typing, nothing forgotten.
- ✓ In-store Apple Pay payments captured automatically
- ✓ Confirm or dismiss each with one tap
- ✓ Keeps the real currency — foreign taps convert cleanly
A companion, not a spreadsheet.
Vaulty reads the room — cheerful when you're on budget, gently concerned when you're not — and you can just ask: “How am I doing?”, “Where can I cut back?” Answers come from your own numbers.
- ✓ Ask anything about your money in plain language
- ✓ Reacts to your real financial state — never nags
- ✓ Your data stays on-device; only the answer is generated
See where it all goes.
A category breakdown and a six-month trend that make your habits obvious at a glance. Beautiful charts, zero spreadsheets.
- ✓ Category pie chart & monthly trends
- ✓ Net, income and spending at a glance
- ✓ Filter by account, month or tag
Every account, every currency.
Keep as many accounts as you like — cash, cards and bank accounts — each in its own currency. Spend in a foreign currency and MonVa converts it to that account's currency at the rate the moment you paid, so nothing drifts.
- ✓ Multiple accounts: cash, bank and more
- ✓ Each account holds its own currency
- ✓ Foreign spend auto-converted at the entry-time rate
Your month at a glance.
A colour-coded calendar shows how much you spent each day — the heavier the colour, the heavier the day. Spot the patterns, then tap any day, week or the whole month.
- ✓ Day-by-day spending heatmap
- ✓ Tap a day, a week or the whole month
- ✓ Custom date ranges for any view
Set it once. Stay on track.
Budgets with live progress, plus recurring rules for rent, subscriptions and salaries that post themselves — so the boring stuff takes care of itself.
- ✓ Daily, weekly, monthly & yearly recurrences
- ✓ Budget progress you can actually feel
- ✓ Multiple accounts, one clear picture
Rent and salary, on autopilot.
Rent, salary, subscriptions — add a rule and MonVa enters the transaction on schedule, every time. Miss an open? It catches up the next launch. Nothing skipped, nothing doubled.
- ✓ Daily, weekly, monthly or yearly rules
- ✓ Auto-posts on each due date
- ✓ Catches up missed dates, never doubles
Locked down. By design.
Protect MonVa with a 6-digit PIN and Face ID / Touch ID. Your money stays on your device — offline-first, no ads, never sold.
- ✓ Biometric unlock with a PIN fallback
- ✓ Auto-lock & a private app-switcher preview
- ✓ Offline-first — cloud sync only when you turn it on
Settings that fit you.
Seven languages, light or dark themes, your home currency and default transaction type — MonVa adapts to how you work.
- ✓ 7 languages with localized dates & numbers
- ✓ Light, dark & Material You themes
- ✓ CSV export & optional cloud sync
Free to start. Premium when you're ready.
Track your money free — no account needed. Premium unlocks voice & AI capture, unlimited accounts and budgets, recurring, tags, cloud sync and CSV export. Two honest plans, monthly or yearly.
- ✓ Monthly or yearly — no lifetime lock-in, no surprises
- ✓ Everything in Premium, one price
- ✓ Manage or cancel anytime in App Store settings
Free to start. Premium unlocks the rest — see Free vs Premium →
One app for your whole money life.
Free to start. Premium unlocks the rest — see Free vs Premium →
AI Voice Input
Log a transaction by speaking — MonVa figures out the rest.
Spending Insights
Category breakdowns and trends that reveal where money goes.
Multi-Currency
Track accounts in any currency with automatic conversion.
Budget Tracking
Set budgets and watch live progress as you spend.
Recurring
Rent, subscriptions and salary post themselves on schedule.
Optional Cloud Sync
Turn on cloud sync in Settings to sync your devices — signing in alone doesn't upload anything. Local-only until then.
Apple Pay tracking
In-store payments log themselves as pending expenses to confirm.
Vaulty companion
A friendly AI guide that answers questions about your money.
Get started in seconds.
Download the app
Install MonVa and start instantly — no sign-up, no setup. It works fully offline.
Add transactions
Speak, tap or import. Categories and accounts keep everything tidy automatically.
Understand your money
Watch budgets, trends and net worth come together in one clear picture.
Your money is nobody else's business.
MonVa is offline-first — everything lives on your device. It syncs to the cloud only when you turn on cloud sync — leave it off and nothing ever leaves, even when you're signed in. We never sell your data, and there are no ads. Ever.
Almost ready.
MonVa is in final testing for iOS. Free to start, no account required — and it works offline.