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.
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