Moneo is an AI-powered budget app with a built-in Smart Agent that learns your habits, auto-prioritizes every dollar, and helps you build real savings — powered by the decentralized Morpheus AI network.
30-day free trial · No credit card required
Total Balance
$4,280.50
Budget Split
Recent
Grocery Store
MUST
Electric Bill
MUST
Coffee Shop
WANT
Gym Membership
NEED
You're $15.50 under budget this week. Nice work!
A personal financial assistant that learns your habits and coaches you daily.
Auto-sorts every expense so essentials are covered before luxuries.
Built on Morpheus — no single company controls your financial data.
Your data is encrypted, never sold, and fully under your control.
MUST
42%
NEED
28%
WANT
12%
62% of $2,000 goal
Moneo runs on the Morpheus network — open-source, decentralized AI that no single company owns or controls. Your financial data is encrypted, never sold, and always under your control.
Smart prioritization, AI guidance, and automation — all in one place.
Auto-prioritize spending. Income fills survival first, then quality-of-life, then lifestyle.
A personal finance assistant that learns your style and gives tailored advice in real time.
Snap a photo of any receipt. AI extracts the data instantly — no images stored, ever.
Impulse buy over $50? An optional 24-hour wait helps you decide if you really need it.
Share a budget with up to 3 people. Shared expenses count once, not duplicated.
Visual breakdowns of income, expenses, and trends so you always know where you stand.
Set targets with deadlines and auto-allocate a percentage of income toward each goal.
Never miss a payment. Get alerts days before each bill is due.
Watch your AI agent categorize transactions in real time, move surpluses into savings, and gently nudge you toward better financial habits — all automatically.
Income
$5,200
Must
$2,600
50%
Need
$1,300
25%
Want
$780
15%
Start with a 30-day free trial.
Billed yearly at $59.88. Full access to everything.
Stake MOR tokens for lifetime access
Stop guessing where your money goes. Let Moneo's Smart Agent track every dollar, cut wasteful spending, and grow your savings on autopilot — with the privacy of decentralized AI.
30-day free trial · No credit card required