AI-powered · Built for India · Free
Track every ₹ rupee,
automatically.
MonAI reads your UPI bank SMS and logs every expense — no manual entry, ever. AI-powered, on-device, private.
May 202547 transactions
🛒
Blinkit
Groceries
₹340
🚕
Uber
Transport
₹189
🍕
Swiggy
Food
₹520
💊
PharmEasy
Health
₹215
Total this month
₹12,450
Avg per day
₹402
GPayPhonePePaytmBHIMHDFCICICISBIAxisKotak
Features
Everything you need.
Nothing you don't.
MonAI is the only expense tracker that works completely automatically — from SMS to insight with zero effort.
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SMS Auto-Import
MonAI monitors your inbox for UPI payment messages from any Indian bank. Every debit auto-logged — GPay, PhonePe, Paytm, BHIM, net banking. No manual entry. Ever.
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On-Device AI Parsing
Qwen AI extracts merchant, amount, and category from raw bank SMS. Runs on-device — your data never leaves your phone.
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Chat With Expenses
"How much on food this week?" Ask anything in plain English. Get instant answers powered by your own data.
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Auto-Categorisation
Food, transport, groceries, health — every transaction sorted automatically by merchant name.
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Private by Design
No data sent to servers. No ads. No selling your financial behaviour. AI stays on your device.
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Built for India
Understands every UPI SMS format — all major banks, all major payment apps, every region.
How it works
3 steps.
Zero effort.
1
Install & sign in
Download MonAI. Create a free account. Takes under 60 seconds.
2
Grant SMS access
One permission tap. MonAI only reads bank messages — nothing personal, nothing else.
3
Watch it fill up
Every UPI payment auto-logged and categorised. You just live your life.
See it in action
From SMS to insight
in seconds.
HDFC Bank · 2:14 PM
Rs.520.00 debited from A/c **4821 to VPA swiggy@axl on 08-05-25. Avl bal Rs.14,230.50.
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Amount₹520
MerchantSwiggy
CategoryFood
DateMay 8, 2025
MethodUPI
AI Chat
"How much did I spend on food this month?"
You spent ₹3,240 on food in May — 5 Swiggy orders, 3 Zomato. That's 26% of your total spending.
"Which day was most expensive?"
May 3rd — ₹1,890 total. Mainly Blinkit groceries and an Uber ride.
Start tracking
for free.
No subscription. No credit card. Just download and go.