Better decisionswith your money
Mohnu gathers and interprets your financial reality to help you make decisions that leave more money at the end of the month.
What is Mohnu?
A personal finance assistant
It's like having someone organizing your finances and with the knowledge to help you make better decisions with your money.
01
Register
First you decide what you want to share with Mohnu. Nothing is saved without your approval.
Register
Update Mohnu through WhatsApp
Send text or audio, review, and confirm. Done.
Mohnu
Lunch 32 on checking account, food
Preview: Lunch · €32 · Food · Checking account. Reply YES to add.
YES
Added. Budget and forecast updated.
Register
Import your finances
Bring bank statements, card invoices, and other documents. You add the file, Mohnu takes care of the rest.
02
Transactions
The core of Mohnu. After registering, everything is in one place.
Transactions
One statement for your finances
Income, expenses, transfers, schedules, recurring items, multiple banks, installments, categories. Everything.
Card payment
ScheduledDay 15 · Credit card
Lunch
Day 14 · Checking account
Salary
Day 14 · Checking account
Groceries
RecurringDay 13 · Checking account
Transactions
Shared finances, without confusion
The full history can work for more people, all in one place.
€180
Pending splits
€100Groceries
you owe
Dinner
Ana owes you
Ride
Leo owes you
03
Panorama
After registering and keeping everything in one place, comes the most interesting part: what you can do with it.
Panorama
Make better decisions with your money
Mohnu uses your context to answer your questions.
Panorama
Know how much you still have available to spend
Mohnu separates what was already used, what is still reserved, and what remains free in the month.
After this month's spending and commitments
Panorama
See whether your pace takes you to your goal
Goals connect target, current progress, and monthly pace so decisions have context.
Goal
61%
On track with €778/month
Panorama
Accounts, cards, and wallet stay in the same view
Mohnu keeps balances and available amounts together so decisions are based on your full financial reality.
Panorama
See what needs attention
Category progress shows what has already happened and where the month may get tight.
Start with your reality
You've seen the context. Now see how it starts.
Mohnu begins with the financial reality you already have: accounts, transactions, budgets, goals, and the choices ahead.
No unnecessary setup
Three answers. Done.
We value your time. With just three answers, you're ready to start.
Security isn't a feature. It's the foundation.
Money demands care. In plain words, what Mohnu does to protect you.
Protected login
One-time-code sign-in and encrypted passwords, with attempts rate-limited.
Encrypted connection
All traffic over HTTPS, with strict security headers.
GDPR
Built around EU GDPR principles — your rights, your data, no selling.
You're not the product
No ads, no data selling. Your use never becomes merchandise.
Frequently asked questions
Mohnu is a personal finance assistant that gathers and interprets your financial reality to help you make better decisions with your money.
Yes. Mohnu is available now, with the core product focused on registering transactions, understanding your month, budgets, goals, and shared expenses.
No. You can try Mohnu for 7 days without adding a card. After that, if you want to continue, just choose a plan.
No. WhatsApp and AI are optional capture methods. You can use them when they save time, or keep registering manually in the app.
Yes. You log the expense, split it with whoever you want, and each person's share stays pending until it is settled.
That is the direction of the assistant. Today, Mohnu already uses budgets, categories, goals, recurring commitments, and your transaction history to make the month easier to understand.
Encrypted connection, protected login, and we handle your data under the GDPR. And we never sell your data.
Start making better decisions with your money
Try Mohnu free for 7 days, no card required. See where you are, what is coming, and what to do next.