What is happening to your money?
Most finance apps are glorified spreadsheets or locked to a single bank. MONEE is a personal money system built around your actual cash flow. Track what you spend, what you receive, upcoming obligations, and who owes whom.
Multi-Source
M-Pesa + Banks
Zero institution lock-in
Learning
Suggests
Never assumes
Local & Sync
InstantDB
8+ Active
The 4 Cash Flow Disciplines
MONEE replaces backward-looking expense categorization with real-time awareness of your actual financial runway.
1. Money Out & Identity
Naivas is the Identity. Food is the Category. Never confuse the merchant you paid with how you classify it. Know your today, this week, and monthly burn.
Real-time burn velocity
2. Upcoming Obligations
What income are you expecting? What recurring bills are coming due? See upcoming rent, wifi, and client receivables before they surprise your balance.
True disposable runway
3. Debts & IOUs
Who owes you? Who do you owe? Track friend lunch splits, freelance balances, and informal loans without awkward reminders or lost notes.
1-Tap debt settlement
4. Adaptive Learning
Suggest, don't assume. The user teaches MONEE through normal usage. Categorize once, and MONEE learns your intent with high-confidence chips.
Zero manual re-typing
Test the Adaptive Recognition Engine
Paste an M-Pesa SMS, a bank transaction, or a friend loan. Watch how MONEE decomposes it into Identity, Category, and Cash Flow impact.
Live Recognition Engine
Suggest, Don't Assume
Select a statement type to test:
Accepts raw SMS, copy-pasted bank lines, or manual entries. No credentials required.
Cash Flow Event
Naivas Supermarket
Food & Groceries
Learned: Supermarket identities default to Food & Groceries
Feels like a native app.
Zero app store friction.
Install MONEE directly to your iPhone or Android home screen in 2 seconds. Full standalone display, safe area support, offline fallback, and Web Share Target for importing statements directly from your share sheet.
Works Offline
Cached app shell and instant reactive mutations via InstantDB.
Web Share Target
Share M-Pesa statements directly into MONEE from any SMS or PDF.
Open on Mobile
Visit monee.co.ke on Safari or Chrome
Tap “Add to Home Screen”
Instant install without downloading 100MB APKs
Instant Cash Flow Freedom
Fast, private, and always with you
Public Transaction Intelligence
Run free standalone audits on your M-Pesa statements, calculate debt health, or assess business revenue in seconds.
MONEE vs. Traditional Finance Apps
Why personal cash flow beats retro-active bookkeeping.
The Old Way
- Confusing merchant codes like
PAYBILL 888123 - Locked to one bank or requiring intrusive bank passwords
- Retroactive budgeting: telling you what you already failed at
- Forgetting who owes you money on lunch splits and IOUs
The MONEE System
- Identity vs Category: Clear merchants and intelligent classifications
- Multi-Source Freedom: M-Pesa SMS, Bank CSV, and cash entries
- Forward Cash Flow: Upcoming bills and expected income radar
- Integrated Debts & IOUs: Instant balance awareness