Monetra: Budget & Expenses

Monetra helps you see where your money goes. Log spending in seconds, let your bank alerts fill in your transactions, and get clear answers about your month from Sage, your AI money coach. Your data is stored on your device first. You can use Monetra without an account, and cloud backup is optional. BANK ALERTS BECOME TRANSACTIONS • Monetra reads your bank's purchase alerts and turns each one into a transaction you add with one tap • Choose your sources: bank SMS, bank app notifications, or email (Gmail, Outlook or any IMAP mailbox, read-only) • Messages are read on your device. Promotions, OTP codes, declined payments and bill reminders are filtered out • You get one heads-up per purchase, even if the same purchase arrives by SMS, push and email • Each transaction is filed on the card or account you paid with, so your balances stay accurate • Purchases you already logged by hand, or marked as a paid bill, are not offered again • Bank messages are understood in all nine app languages SAGE, YOUR AI MONEY COACH • Ask about your month in plain language: "Where did most of my money go?" or "Am I on track this week?" • Sage sees only your totals, never your raw messages • Start a chat straight from the home screen BUDGETS, GOALS AND INSIGHTS • Monthly budget with caps for each category • Savings goals and a savings planner • Dashboard with today's spending, a week card with daily bars and a trend against last week • Weekly recap every Sunday: the week's total compared with last week, day-by-day spending, money in and out, your biggest purchase and your top categories • Analytics, charts and reports for any period ACCOUNTS, CARDS AND WORTH • Track spending accounts, credit cards and the things you own, such as gold or certificates • Transfers between your own accounts, including monthly standing orders • Money Flow shows an account's balance day by day, with every income and expense along the way • Card vault: cards named in your bank alerts can be added to tracking in one tap BILLS, SUBSCRIPTIONS AND MORE • Due bills on the home screen: Log it, Already logged or Skip • Track subscriptions, contracts and warranties so renewals don't surprise you • Shopping list and notes • Income tracking HOUSEHOLD • Share a space with your partner or family • Allowances, balances and spending approvals for household members FAST, PRIVATE, YOURS • Quick add and edit, with merchant memory that remembers the category you picked for each shop • Multi-currency entries with conversion preview • Attach receipt photos • Optional fingerprint or face unlock • Daily reminders, and an end-of-day nudge when bank transactions are waiting for review • Home screen widgets • Optional account with cloud backup and sync across devices NINE LANGUAGES English, Arabic, Spanish, French, German, Italian, Portuguese, Russian and Chinese, with full right-to-left support for Arabic. PREMIUM Monetra is free to download and use. Monetra Premium unlocks the bank inbox and gives you more daily messages with Sage. PERMISSIONS, EXPLAINED • SMS and notification access are used only to detect your bank's transaction alerts if you turn on those sources. They are read on your device, and personal messages are ignored. • Email access is read-only and limited to bank alerts. You can turn any source off at any time in Settings. Monetra is a personal budgeting and expense tracking app. It is not a bank and does not move, lend or invest money.

• Wallet tap + bank alert now logs one expense, not two • Better matching of foreign purchases and shop names • Cashback messages no longer count as income • Fixed links and a fresh app icon