Monio
Budgeting that counts friends' paybacks and card payments right, so you see what you really spend.
A startup from New York, the United States, founded by Dilan Abey.
Budgeting that counts friends' paybacks and card payments right, so you see what you really spend.
A startup from New York, the United States, founded by Dilan Abey.
This page is designed to help you find out whether Monio is good and if it is the right choice for you.
Monio is a budgeting app that works out what each transaction means before it adds anything up, so your totals match what you really spent.
Switching is easy: import a file from Monarch, YNAB, Copilot, Rocket Money, Simplifi, Empower, Tiller or an old Mint export. Banks connect through Plaid; Monio can see your accounts but can never move money.
Works in the US and Canada. $7.99 a month or $80 a year, with a 7-day free trial and no credit card needed.
Listed in
Real Spending History
Card payments and transfers between your own accounts are left out
Payback
Venmo, Zelle and Splitwise paybacks lower the original purchase instead of counting as income
Splitwise
Links each Splitwise bill to its card charge, so only your share counts
Budgeting
Drafted from your real spending, with month-to-date and month-end views
Household Finances
Partner seat $5/month; each person keeps their own login and chooses which accounts to share
Bank connections
Through Plaid, US and Canada; Monio can see accounts but never move money
React and TanStack Start on Cloudflare Workers, Supabase (Postgres) for data, Plaid for bank and card connections, the Splitwise API, Stripe for billing, and Claude by Anthropic for Monio AI, which can be turned off in Settings.
We built Monio because every money app we tried counted a $200 dinner as $200, even after three friends paid us back. Our budgets were always wrong, and fixing them by hand every month wasn't realistic. So we built an app that links paybacks and Splitwise bills to the purchase they belong to, leaves card payments out, and shows what you actually spent.
People who share money: roommates splitting rent and bills, couples with joint or separate accounts, and friends who use Splitwise or Venmo for trips and dinners. Monio is for anyone who wants to know what they really spent, not what passed through their card.
Many budget apps count the full card charge and treat a friend's payback as income, so anyone who shares costs with roommates, a partner or friends sees totals that are too high. Monio is built for that case: paybacks and Splitwise bills are matched to the right purchase, so your budget is based on your real share. It works in the US and Canada, and you can import your history from Monarch, YNAB, Copilot, Rocket Money, Simplifi, Empower, Tiller or Mint.
Monio works out what each transaction means before it adds anything up. Card payments and transfers between your own accounts are left out, refunds come off the purchase they were for, and when friends pay you back on Venmo, Zelle or through Splitwise, Monio lowers the original purchase instead of calling it income. It also links each Splitwise bill to the card charge it came from. A $200 dinner where friends paid you back $150 shows as your $50.
We have collected here some useful links to help you find out if Monio is good.
Check the traffic stats of Monio on SimilarWeb. The key metrics to look for are: monthly visits, average visit duration, pages per visit, and traffic by country. Moreoever, check the traffic sources. For example "Direct" traffic is a good sign.
Check the "Domain Rating" of Monio on Ahrefs. The domain rating is a measure of the strength of a website's backlink profile on a scale from 0 to 100. It shows the strength of Monio's backlink profile compared to the other websites. In most cases a domain rating of 60+ is considered good and 70+ is considered very good.
Check the "Domain Authority" of Monio on MOZ. A website's domain authority (DA) is a search engine ranking score that predicts how well a website will rank on search engine result pages (SERPs). It is based on a 100-point logarithmic scale, with higher scores corresponding to a greater likelihood of ranking. This is another useful metric to check if a website is good.
The latest comments about Monio on Reddit. This can help you find out how popualr the product is and what people think about it.
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Is Monio good? This is an informative page that will help you find out. Moreover, you can review and discuss Monio here. The primary details have been verified within the last quarter. So they could be considered up to date. If you think we are missing something, please use the means on this page to comment or suggest changes. All reviews and comments are highly encouranged and appreciated as they help everyone in the community to make an informed choice. Please always be kind and objective when evaluating a product and sharing your opinion.
