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All the money you look after

A personal workspace for your own money, alone or shared at home. A business workspace for the company or freelance work you run. Keep either one, or both: accounts, bills, plans and invoices, exact in every currency.

Get startedSee how it works

Free while in early access

Workspaces
On screen
Accent

Use what you need

Personal and business workspaces are both optional. Start with the one you need, and add another whenever it helps.

  • Just me

    One personal workspace for your own accounts, cards and plans.

  • Shared at home

    One personal workspace your partner or family join. Everyone in it sees all of it.

  • A business

    One business workspace for your company or freelance work, with invoices and clients.

  • Or any mix

    A personal workspace and a business, or more than one business. You pick when you sign up.

How it works

  1. 1

    Create your workspaces

    Only the ones you need. Pick each one's colour, and invite anyone you share it with.

  2. 2

    Bring the money in

    Import a bank statement, forward receipts and bills to the workspace inbox, or type a transaction.

  3. 3

    Plan, invoice and share

    See the weeks ahead, keep budgets, send invoices, and hand reports to your accountant.

Always clear whose money it is

Each workspace keeps its own accounts, people, plans and colour, so you know whose money is on screen. Switch between yours in one click, and invite people only to the ones they share.
  • Two kinds of workspace
    Round icons for personal workspaces, square for business ones. Business adds invoices, clients and products.
  • Alone, or with others
    Keep a workspace to yourself, or invite a partner, family or a team. Each signs in as themselves and sees only the workspaces they're in.
  • Everyone's money, or just yours
    In a shared personal workspace, Viewing narrows accounts and transactions to some people's money, or only yours.

Import a statement, check every line

Bring in a month of an account from a CSV or PDF bank statement. You see every line before it's added, and mones checks the balances add up.
  • CSV or PDF
    CSV exports and PDF statements are both read by AI, whatever the bank.
  • You confirm every line
    Nothing is added until you accept it. Unclear lines are flagged for a look.
  • The balance has to match
    The opening balance plus the lines must equal the closing balance, to the cent.

See the next weeks before they happen

Plan salaries, rent, subscriptions and yearly bills once. The calendar shows what falls on each day, and the cash flow where each currency stands afterwards.
  • Plans that repeat
    Weekly, monthly, quarterly, yearly or once, from any account.
  • Calendar and cash flow
    Each day with payments, and where every currency stands after it.
  • Overdue stays in view
    A bill not paid yet comes first, counted as paid today.
  • A warning in time
    The lowest balance of each currency, and the day it would go below zero.

Everything else a ledger needs

An inbox, transactions, budgets, accounts, documents and payees: each workspace has all of them, in its own colour.

An inbox for every workspace

Forward receipts, bills and invoices to the workspace's own address. You decide what each one becomes: a transaction, a payment on a plan, a new plan or a document.

Budgets that keep pace

A monthly limit per category, with what's left and how far through the month you are.

Every payment, as it happened

A payment abroad keeps its original amount. One the bank hasn't settled yet shows as approximate.

Accounts of every kind

Current, savings, cards and cash, each in its own currency. Totals stay per currency, never converted.

Documents and payees

Files linked to what they belong to, and payees with a role: employer, landlord, supplier, tax authority.

Invoices and reports, on the business side

Business workspaces add invoicing with clients and products, and reports you can hand to your accountant without giving them a seat.
  • Invoices in any currency
    Your clients' legal details on file, products to pick from, and a PDF to send.
  • Status history
    Created, sent, reminded, paid: every step with who and when.
  • Reports for your accountant
    Every report exports as CSV and prints cleanly, so your accountant gets the figures without a seat.
  • Transactions export
    Every transaction as CSV, with the filters you choose.

Exact, in every currency

Amounts are never floating-point numbers. Each is shown the way its currency works, in the number format you choose, while the app stays in English. Try a format: every amount on this page follows it.
  • Every ISO 4217 currency
    Each with its own decimals, from yen to Kuwaiti dinars.
  • The code is the unit
    Amounts read like measurements, so no symbol is ever ambiguous.
  • Exact to the last digit
    Stored as whole minor units, never floating point. Totals always add up.

On your phone, in light or dark

The same app on a small screen, with what you use most in the bottom bar.
  • Made for phones too
    Overview, Activity and a New button in the bottom bar.
  • Light and dark
    Both keep each workspace's colours. Try the switch at the top of this page.
  • Tinted pages
    On a small screen, the page itself says whose money it is.

Security and privacy

Your money records are yours. Here is how they're kept.

  • Only your workspace
    Only its members see a workspace's money. Being in one gives no access to another.
  • Last 4 digits only
    Accounts and cards keep only their last 4 digits.
  • Never sold
    No ads, and your data is never sold or shared for marketing.
  • Export and delete
    Export transactions and reports as CSV, or delete your account from Settings.

Pricing

Free while in early access

Everything in mones is free while it's in early access.

Questions

Start with one workspace

Create a personal or business workspace. Add the other, or invite people, whenever you need to.

Get startedFree while in early access