One question
“How much can I spend this week?” Front and center when you open it. With the breakdown of how this number is calculated.
One honest number
Your balance isn’t your spending money.
Monuvia shows what you can really spend today: your money minus what you already owe and what you set aside for your goals. Not your bank balance — one honest number.
Installable web app Log expenses offline Your currency and language
Available this week
$180.00
of $180.00 · spent $0.00
Demo with sample data
The number that matters
How Available this week is built
Monuvia sets aside your bills and your savings goal, then spreads what is left across the weeks. Move the values and see the full math, with the same formula the app uses.
Demo with sample data
Income this month$2,000.00
− Bills−$720.00
− Savings goal−$300.00
= Free to spend$980.00
This week (7 of 30 days)$228.67
− Spent this week−$0.00
= Available this week$228.67
Each week's budget is fixed: the free amount is spread across days, not “four ways.” A 3-day week gets 3/30. It only goes down with what you spend; each month starts over.
Your week, day by daySpent $190.00 of $180.00
Budget pace
New · Every payment on its map
Tap a payment and see where it was
Just like your phone’s wallet: every payment opens a sheet with the merchant, the amount, the time and a mini-map of the place — so you recognize at a glance what you spent on.
- A real map. The mini-map uses OpenStreetMap; nothing is sent to your bank.
- The location is yours. Your phone’s GPS when you log it, or inferred from the merchant name. Optional and easy to turn off.
- A nudge based on your week. The dashboard changes its message by how much of your budget is left: calm, careful, or alert.
Súper 99
−$24.00
Groceries
Where you paid · Balboa Ave
- Date and time
- Fri Sep 19 · 1:24 PM
- Card
- Visa 1234
- Source
- Card payment
Tap a payment
Illustration with sample data
Monuvia at a glance
0
Currencies supported
ES / EN
Spanish and English
0
Connections to your bank
0
Honest number when you open it
Why Monuvia
Clarity, not spreadsheets
Savings come first
Your monthly goal is set aside before the free amount is calculated, so saving does not depend on what is left over.
It fills itself in
Add expenses by hand, from a photo of a receipt, or by letting your phone send every contactless payment.
See it inside
The app, exactly as you’ll use it
Not mockups — real screenshots of Monuvia. A dashboard that answers one question, your expenses at a glance, and your fixed bills on track.
Real screenshots from the app
Everything in its place
What Monuvia does
Every feature has its own article in the manual, with steps and real screenshots.
Details and map for every payment
Tap a movement and its wallet-style sheet opens: merchant, amount, time and a mini-map of where it happened.
Read in the manual →Expenses and receipts
Add an expense by hand or from a photo: the receipt total is read on your own phone. Edit it, delete it, or turn an expense into a bill.
Read in the manual →Bills
Mark each fixed payment with its real amount and date. If you pay a different amount than planned, the math uses what you paid. With history and undo.
Read in the manual →Summary by category
A donut chart by category, month-by-month navigation, and a yearly table. Income, bills, goal, spent, and the status of your limits.
Read in the manual →A nudge based on your week
The dashboard speaks plainly by how much of your budget is left: plenty, careful, or at the limit — with advice when needed.
Read in the manual →Statement
A single month or the whole year, exportable to PDF with Monuvia branding and to Excel with formulas that recalculate when you edit the amounts.
Read in the manual →Shared household
Invite by code: everyone signs in with their own account and works on the same budget. It also works perfectly on your own.
Read in the manual →Offline
Add expenses and take photos with no signal: they queue on your phone and upload when you reopen Monuvia with a connection.
Read in the manual →Technology, no hype
Intelligence that lives on your device
Monuvia does not use a chatbot and does not send your finances to an outside AI service. What works for you runs on your phone or in your own private database. Here is exactly what each piece does:
On-device AI
Reads the total on your receipts
When you photograph a receipt, text recognition (OCR, Tesseract.js) runs inside your browser: the image never leaves your phone. Then a few rules pull the total and the merchant from the recognized text.
Learns from your history
Suggests the category
As you type the merchant, Monuvia proposes a category based on your rules and how you classified before. The calculation happens in your own database; it is not shared with anyone.
Automation
Every payment logs itself
On iPhone, an Apple shortcut logs your contactless payments (Apple Pay); on Android, an automation forwards the text of your bank notification. It is your phone that sends the data: Monuvia does not connect to your bank.
Rule
Flags possible duplicates
If two charges of the same amount show up within about 20 minutes, Monuvia flags it for you to review. It is a match to confirm, never an automatic deletion.
Calculation
Your week, always up to date
The budget is worked out with a clear formula in your database: income minus bills minus savings, spread across the days. It is a deterministic calculation, not an estimate.
Location
The map for each payment, no tracking
The mini-map uses OpenStreetMap. The location comes from your phone’s GPS when you log a payment (if you enable it) or is inferred from the merchant name; it’s optional and never shared with your bank.
Want the verifiable technical detail? It is in the technology section and in the manual.
Automatic capture
Let your phone keep the count
Connect your phone once and your contactless payments come in on their own, with Available this week kept up to date. Each device uses its own token, which you can revoke whenever you want.
- iPhone. An Apple shortcut logs every payment made with Apple Pay.
- Android. An automation forwards the text of your bank or Google Wallet notification.
- An alert if it stops. Monuvia keeps the week’s count and warns you if something breaks.
Monuvia notification
Expense logged
Super 99 · $24.00 · with Apple Pay
SourceApple Pay (shortcut)
Suggested categoryGroceries
Available this week$143.50
Illustrative example of the real message
Demo with sample data
Groceries$240.5034 % del mes
Monthly summary
See where it goes, effortlessly
A donut chart by category shows you at a glance where your money is. Move month by month, check the yearly table, and keep an eye on your category limits.
Tap each category to see its amount and its percentage. It is the same chart, keyboard-accessible, that you will see inside the app.
Install it in a minute
On your iPhone, Android, Mac, or PC
Monuvia is an installable web app: it opens from its own icon, full screen, with no app store in between.
iPhone / iPad
Share → “Add to Home Screen.”
Android
Browser menu → “Install app…” or “Add to Home screen.”
Windows / Linux
In Chrome or Edge, the install icon in the address bar.
Mac
Safari: File → “Add to Dock.” Chrome: the install icon.
Frequently asked questions
What almost everyone asks
Why did my available amount change?
Available this week is a calculated figure, not a bank balance. It changes when you add an expense, when income arrives or you edit it, when you mark a bill with an amount different from what was planned, or when you change your savings goal or the budget cycle. On the dashboard, “How this number is calculated” shows the full math.
Is it a bank? Does it connect to my bank?
No. Monuvia is not a bank and has no access to your accounts. Automatic capture is done by your own phone (an Apple Pay shortcut, or an automation on the Android notification); Monuvia receives the data your phone sends it.
What happens to a pending photo?
If you take the photo offline, the image is saved on your phone. The next time you open Monuvia with a connection, the total is read on your own device and the expense is logged with the date you took it. If the total is not legible, it stays under “Pending upload” to retry or discard.
Who can see my household’s data?
Only the accounts that have joined your household with the invite code. Each person signs in with their own account and works on the same budget. If you leave the household, you stop seeing that shared budget.
What do I do if an automatic expense does not arrive?
Check that the token for that phone is still active in Settings → Automatic capture, and that the shortcut or automation is turned on. The setup guide explains how to check it and reconnect it.
Start this week
Create your account, add your income and bills, and find out how much you can spend today with peace of mind.