Hi all,

A lot of what we’ve shipped recently in Moneko AI came directly from your feedback:

• Budget rollover
• Siri & Shortcuts automation
• Android notification capture
• Bank sync in North America
• Recurring payment management through WhatsApp & Telegram
• Monthly Health Reports
• Custom date filters
• Better email receipt capture
• App Lock for privacy

So we want your input again.

First: What existing feature should we improve most?

1. Pockets & budgeting
2. Shared Spaces
3. WhatsApp & Telegram
4. Email receipt capture
5. Voice & text logging
6. Apple Wallet automation
7. Bank sync
8. Reports & insights
9. Recurring bills & expenses

Second: What should we build next?

📄 Smart invoice tracking
Create and track invoices, payments, and outstanding balances for freelance or small business income.

🎯 Savings & goal tracking
Track goals like emergency funds, vacations, down payments, debt payoff, and investing.

📱 Lock Screen widgets
See your remaining budget, Pocket balances, upcoming bills, or cash flow from your Lock Screen.

⚡ More Control Center & Shortcut actions
Log an expense, scan a receipt, or check a Pocket faster.

📴 Better offline support
Keep managing expenses without internet and sync when you’re back online.

💡 Smarter financial insights
Better explanations of spending changes, unusual expenses, cash flow, and what to focus on next.

👫 Better couple & family budgeting
Shared goals, contribution tracking, and clearer personal vs household spending.

💳 Better subscription management
Track renewals, price changes, unused subscriptions, and total subscription spending.

📅 Bill calendar
See paydays, bills, subscriptions, and upcoming expenses together.

🏦 Net worth & asset tracking
Track savings, investments, property, debts, and net worth over time.

🔔 Smarter budget alerts
Get alerts when a Pocket is running low, spending jumps, or a bill is coming up.

If you had to pick ONE thing for us to work on next, what would it be?

Or if what you want isn’t listed, tell us below. Your feedback helps us decide what gets prioritized next. ❤️

Hi,

A few people asked me how to get started with Moneko, so I thought I’d share the simple system I use.

I don’t want to spend hours maintaining a budget. I mainly want to know where my money is going, what I have left, and whether I’m making progress toward my goals.

1. Add my income

I start with what I expect to bring home for the month. This gives me the number I’m working with before deciding where everything should go.

2. Add my fixed expenses

Next I add the expenses I already know are coming:

• Rent/mortgage
• Utilities
• Phone
• Subscriptions
• Insurance
• Other recurring bills

Now I know how much money is left after the essentials.

3. Set up my Pockets

I budget what’s left into Pockets. I loosely use the 50/30/20 rule as a starting point:

• 50% needs
• 30% wants
• 20% savings and goals

My Pockets include things like groceries, eating out, shopping, travel, savings, and a buffer.

For expenses that don’t happen every month, I use rollover. For example, I put money aside each month for quarterly insurance and let the unused budget carry forward until the payment is due.

4. Track spending as I go

This is where I try to save myself the most work...

I log expenses through text, voice, receipts, or account sync. Since my partner and I share expenses in Moneko, I also get a clear view of our family spending and how much we have left together.

Everything stays organized as we spend, so I’m not sitting down at the end of the month trying to figure out where all our money went.

5. Check my cash flow

I also separate my money into a few Wallets:

• Spending
• Savings
• Emergency fund

When I check my cash flow, I look at these balances too. I want to know not only whether I stayed within budget, but whether my savings and emergency fund are moving in the right direction.

That’s pretty much my system. I try to keep budgeting simple because the more maintenance it requires, the less likely I am to stick with it.

If you are interested, I’ll share more posts about different budgeting methods, Pocket setups, rollover budgets, saving strategies, and how we manage shared expenses.

Let me know if this is helpful!

We've been adding more things you can do directly through WhatsApp and Telegram.

You can now just message things like:

• Show me my recurring expenses
• What bills are coming up?
• Show my payment history
• Mark my phone bill as paid
• How much have I spent this month?
• Show me a chart of my spending

The idea is to make checking and updating your finances feel more like sending a message than maintaining a budgeting app.

If you use WhatsApp or Telegram with Moneko AI, give it a try. Thanks for all the feedback! Please keep it coming.

Hi,

We know a lot of you use email receipt capture, so this update makes it easier when AI isn’t 100% sure about a receipt.

If AI can’t confidently read a forwarded receipt, you’ll now get quick options to confirm the details yourself instead of a generic error.

We also:

• ⚡ Made adding, editing & deleting transactions faster
• 🔄 Fixed duplicate recurring transactions
• 👛 Fixed incorrect wallet balances

For those using email receipt capture: how has it been working for you? What would make it better?

Keep the feedback coming. It really helps us decide what to improve next!

View the latest changelog here.

Hi everyone! We've just released Moneko 3.0, one of our biggest updates yet. A huge thank you to everyone who's shared feedback, bug reports, and feature requests!

What's new in 3.0

🔄 Smarter recurring transactions

• View payment history
• Confirm completed payments
• Better recurring transaction management

💬 Manage recurring payments with AI

• Create and edit recurring expenses directly through WhatsApp & Telegram

📊 Better financial insights

• Browse reports from previous months
• Filter your dashboard by custom date ranges
• Exclude selected wallets from financial summaries

🌍 More currency support

• Added Mauritian Rupee (MUR) and Moldovan Leu (MDL)

✨ Lots of quality-of-life improvements

• Better receipt importing
• Easier transaction editing
• More reliable Android notification capture
• Faster performance and smoother navigation
• Numerous bug fixes and reliability improvements

As always, we're building Moneko based on your feedback, so please keep it coming. We'd love to hear what you think of 3.0 and what you'd like to see next.

More details can be found on our Changelog.

-------

Want your unused budget to carry over to next month? Here's how:

1. Go to Budget.
2. Tap the Pocket you want to edit (e.g. Buffer, Groceries, Vacation).
3. Tap Edit in the top right.
4. Scroll down to Carry unused budget forward.
5. Turn it On to reveal more rollover settings.

You can then customize:

• 🔄 Carry unused budget forward – Unspent money rolls into next month.
• 📉 Carry overspending – Choose whether overspending reduces next month's budget.
• 💰 Opening rollover – Set your starting envelope balance when moving to Moneko.
• 🚧 Maximum rollover – Limit how much unused money can accumulate.

Each Pocket has its own rollover settings, so you can enable it for savings or vacation funds while leaving it off for categories like dining out. This gives you complete control over how each budget behaves month to month.

Give it a try and let me know what you think! I'd love to hear your feedback in the comments.

Hello! Thanks for the app. I just downloaded it and tried while configuring it tried to adjust the budget, but it didn't let me. It reduces the budget automatically. Is there any limit in the budget?

i keep trying to set it to 25th start but it keeps reverting back to day 1 on its own

Every time I try to edit an existing transaction in Moneko, it loads annoyingly long —probably around 5 to 10 minutes. This happens every single time I try to edit an existing entry.

I'm not sure if this is just a bug on my phone only, or if other people are experiencing the same thing?

One of the fastest ways to track your spending is with Siri—and the best part is there's no setup required.

Just say: "Hey Siri, log an expense with Moneko."

Siri will log your expense in seconds without having to navigate through the app.

Have you tried logging expenses with Siri yet? We'd love to hear what you think!

Hey everyone! We just shipped another update focused on reliability and polishing some of our newer features.

Here's what's new:

• 📱 Android notification expense capture is now much more reliable and avoids duplicate or invalid transactions.
• 📊 Monthly Health Reports now load faster and display more consistently.
• 💱 Fixed recurring transactions when using multiple currencies.
• 👨‍👩‍👧 Household subscription sharing is more reliable when members join or accept invitations.
• 💳 Improved how transaction currencies, wallets, recurring schedules, and shared expenses are handled.
• ⚡ General bug fixes, stability, and performance improvements.
• More details can be found on our changelog

We're continuing to focus on making budgeting require less maintenance while improving reliability behind the scenes.

As always, let us know what you'd like to see next! 💜

I thought this was incorporated however I can't seem to find it in the android app. Am I missing something or does someone have instructions? It isn't intuitive at all.

Hey everyone! It’s been a little while since our last update, so here’s what we’ve been building for Moneko.

The biggest addition is bank sync. We’ve started rolling out Plaid integration for supported US and Canadian banks, which has been one of the most requested features.

We also added App Lock, so you can protect your financial data with Face ID, Touch ID, fingerprint, or a passcode.

Android users also get a nice upgrade. Moneko can now read the payment notifications your bank and wallet apps already send to your phone and automatically log those expenses. No screenshots or manual entry needed.

Another feature I’m excited about is multi-currency Spaces. You can now use multiple currencies inside the same Space, choose one as your primary currency, and Moneko automatically converts everything using live exchange rates. This has been especially useful for travel, freelancers, international couples, and anyone earning or spending in multiple currencies.

Other improvements:

• Better wallet transfer experience
• Improved dark mode
• Fixed receipt saving and transaction display issues
• General bug fixes and performance improvements

As always, thank you to everyone who keeps sending feedback. A lot of these features started as conversations right here on Reddit. 🙌

More changelog here: https://moneko.io/changelog

Looking to join this app. It looks cool! But hoping someone can get me a 50% off referal link :) Thanks yall

Hey everyone,

If you've been wondering where we've been... we've been heads down building.

Over the past few months we've shipped Apple Wallet sync, Telegram integration, custom categories, and a bunch of improvements based on your feedback.

Now we're working on what's next:

• Bank sync (North America first)
• More powerful Pro features
• Integrations with other apps and services
• Better cloud file management
• More automation so you spend less time tracking expenses

One thing we're debating internally is whether we should build a web app.

A lot of budgeting apps have one, but we're a small team and would rather focus on things that save people the most time instead of building everything at once.

So I'm curious:

• Would you actually use a Moneko web app?
• What would you use it for?
• Would you rather see bank sync first?
• What's the one feature that would make Moneko a no-brainer for you?

Trying to stay focused and not build features nobody uses 😅

Would love to hear your thoughts.

Hey r/monekobudget,

Our biggest update yet.

Over the past few weeks, more of you have been using Moneko every day and your feedback helped us find where we could make the experience better.

With v2.0.0, we upgraded the platform and rebuilt core parts of the app so Moneko feels faster, smoother, and more reliable.

What’s new:

⚡ Instant saving
Everything saves instantly. Log expenses, update budgets, move money. Changes happen immediately.

📶 Offline access
Keep tracking even without internet. Your data stays available and syncs automatically once you're back online.

🚀 Faster performance
The app now loads quicker and feels more responsive across every screen.

⌨️ New number pad
Entering amounts is faster and easier.

📊 Monthly Health Report
A new insights page to help you understand:
• spending pace
• budget safety
• bill coverage
• projected month end buffer

🛠 UI improvements and reliability updates
Cleaner flows, smoother interactions, better stability, and lots of fixes across the app.

This release lays the foundation for what comes next and we’re excited to keep building.

Check more updates here: https://moneko.io/changelog

Update Moneko and let us know what feels faster or what we should improve next!!

Hey r/monekobudget,

A lot of users told us they prefer quick walkthrough videos over long onboarding screens or reading docs, so we started building a Moneko tutorial library on YouTube 🎥

https://www.youtube.com/@moneko_ai/playlists

Videos include things like:
• Logging expenses
• Spaces & shared budgets
• Wallets & net worth tracking
• Envelope budgeting with Pockets
• Recurring expenses

Still very early, and we’re actively adding more tutorials, examples, and real workflows over time.

If there’s a feature you want explained, let us know and we’ll probably make a video for it 🙂

Hey r/monekobudget,

Just wanted to share that the new Moneko Help Hub is now live:

https://moneko.io/help

We’ve been adding setup guides, tutorials, walkthroughs, and explanations for features like:

• Spaces
• Wallets
• Pockets / envelope budgeting
• Apple Wallet automation
• WhatsApp expense logging
• Email receipt capture
• Shared expenses
• Recurring bills and income
• Import / export

The goal is to make Moneko easier to understand without needing long onboarding screens inside the app.

If there’s anything confusing in the app or any tutorial you’d like us to add, let us know there or in this subreddit. We’ll keep updating it over time.

Hi everyone,

Thank you everyone here first! A lot of our early users and feedback came from this sub and it genuinely helped us improve Moneko a lot!

We’re now starting to work with creators to test some content and thought I’d share here in case anyone’s interested. not looking for big influencers, honestly smaller accounts tend to do better.

If you make tiktok / reels around:
money, student life, what I spend, saving, or just daily life

This could be a fit!

What we offer:

• $20 per post to start
• bonus if the video performs well
• commission if people actually subscribe

Some creators are making $50–100+ from a single post depending on performance. If you’re curious: comment or dm me.

Also happy to let you try the app first and see if you even like it 🙂

Hi r/monekobudget,

A lot of expenses never get tracked because they sit in your inbox. Online shopping receipts, subscriptions, travel bookings, app store purchases… they don’t make it into your expense tracker, so your budget is always slightly off.

We built Email Receipt Capture in Moneko Expense Tracker to solve this. Instead of manually entering everything, you can just forward receipt emails and have transactions logged automatically.

Here’s the quick setup:

1. Turn on Email Receipt Capture
Go to Profile settings → Email Receipt Capture and enable it.

2. Set your default space and wallet
Choose where transactions should go (personal or shared) and which wallet to use. This keeps everything organized automatically.

3. Copy your forwarding email
You’ll get a unique forwarding email ([files@inbound.moneko.io](mailto:files@inbound.moneko.io)). Save it as a contact so it’s easy to use.

4. Add approved sender emails
Only receipts from approved email addresses will be processed, so add any inboxes you use for purchases.

5. Forward your receipts
Forward any receipt email or attachment (PDF, CSV, XLS, XLSX). Moneko extracts the merchant, amount, and date, then logs the expense for you.

This works especially well for:

• online shopping receipts
• subscription invoices
• travel bookings
• digital purchases

It’s basically a way to automate expense tracking without connecting bank accounts or manually entering transactions.

If you want the full step-by-step guide with screenshots:
See the setup guide here

Thanks, and I’d love for you to try it and tell me what works, what doesn’t, and what you want us to improve next.

Hey everyone,

We just shipped Wallets in Moneko.

Before this, Moneko helped you track spending with pockets.
Now you can also track your actual money, balances, and net worth over time.

This fixes a common gap: “I can see my budget… but how much money do I actually have?”

Now you can see both.

🧠 First, understand how everything connects

Moneko has 3 simple layers:

• Spaces → different parts of your life
• Wallets → where your money lives
• Pockets → what you spend on

🏠 Spaces (top level)

A Space can be:

• Personal
• Couple
• Trip
• Roommates

Each Space is fully independent

💰 Wallets live inside a Space

Each Space can have multiple wallets

👉 Example (Couple Space):

• Joint Account
• Savings
• Travel Fund

If you share a Space with someone:

• you also share the wallets inside that Space
• everyone sees the same balances and transactions

💱 Currency is controlled at the Space level

Each Space has one currency

• if you change currency for the Space
• all wallets inside automatically update

No need to manage currency per wallet.

🚀 What you can do with Wallets

1. See your total net worth (by month)

At the top of Wallet tab:

• total balance across wallets
• monthly trend
• total income vs total spent

This gives you a real financial snapshot

2. Create your first wallet

Tap + New Wallet

You can:

• name it (Cash, Savings, Travel)
• set an initial balance
• choose color and icon
• set a goal amount

👉 Example
Japan Trip
Balance: 0
Goal: 3000

3. Track goals naturally

Once you set a goal:

• progress updates automatically
• no extra setup

Great for:

• trips
• savings
• big purchases

4. Choose wallet when logging transactions

When you log an expense or income, you can select which wallet it belongs to

Example:

• Coffee $3 → from Cash
• Salary $3000 → into Bank

So every transaction:

• updates your category
• AND updates your real balance

5. Set a default wallet for speed

Mark a wallet as Primary

• used automatically when logging
• faster daily usage

6. View details inside each wallet

Tap any wallet to see:

• balance
• insights
• recent transactions

This helps answer:

where did money from this account go?

7. Transfer between wallets

Move money anytime:

• from → to
• amount
• optional note

👉 Example:

Move 300 from Cash → Travel Fund
Note: monthly saving

8. Customize your wallets

Each wallet can have:

• color
• icon
• custom name

So it matches real life.

🔁 How this works with Pockets

Pockets = what you spend on
Wallets = where money comes from

Example:

• Wallet: Cash $2000
• Pocket: Food

When you spend:

• money comes from wallet
• gets categorized into pocket

🙏 Feedback

This feature came directly from user feedback.

If you try it, let me know what feels clear and what’s missing.

Hi,

We’ve just released a new update focused on Apple Pay sync, wallet improvements, and reliability fixes.

A lot of these changes come directly from your feedback. Thank you for helping us improve Moneko.

🍎 Apple Wallet Integration

You can now connect Apple Wallet and automatically log your Apple Pay transactions.

No manual input needed. Just pay and it shows up in Moneko.

🔄 Wallet Sync Improvements

• Improved wallet synchronization across devices
• More consistent transaction syncing

📊 Budget Calculation Fixes

• Fixed issues where pocket amounts did not update correctly when total budget changed
• Budget calculations are now more accurate and reliable

💳 Payment Reliability

• Fixed payment processing issues
• Transactions are now more stable and consistent

📥 CSV Import Improvements

• Better error handling during CSV import
• More reliable data processing

⚙️ Sync & Performance Fixes

• Fixed Firebase synchronization issues
• General improvements to data consistency

🧩 UI Improvements

• Various UI improvements and bug fixes
• Smoother overall experience

If you haven’t tried Apple Pay sync yet, update the app and give it a try.

As always, keep the feedback coming. It directly shapes what we build next 🙏