Personal financial assistant for your money and investments
Automated Monobank sync, instant 3-second Telegram expense logging, shared family budget, and bond calculators. 100% free and unlimited.
Total Net Worth
Multi-currency balance₴ 184 500
3 Seconds per Expense
No more paper receipts or end-of-month stress. Send the amount to our Telegram bot on the go — it’s logged instantly.
Automatic Bank Sync
Connect your accounts in 1 minute. All spending and income sync automatically, keeping your balance 100% accurate without manual work.
Wealth Growth & Inflation Shield
See the complete picture: spending heatmaps, multi-currency wallets ($, €, ₴), and smart bond calculations that beat inflation.
Personal Finances Without Chaos, Spreadsheets, or Stress
Built for people who want full clarity over their wealth, automated expense tracking, and inflation-protected savings without tedious daily bookkeeping.
Traditional Financial Tracking
- Receipts pile up in wallets, and cash expenses are easily forgotten
- Complicated Excel spreadsheets get abandoned after just two weeks
- At the end of each month, the mystery remains: “Where did all my money go?”
How Monsave Works
- Log spending in 3 seconds via Telegram bot or sync automatically with your bank
- All cards, cash, and currencies ($, €, ₴) on a single clear, unified dashboard
- Peace of mind, automated budgets, and built-in inflation-beating bond calculator
3-Second Quick Capture
Our Telegram bot is always ready: bought a coffee or fuel? Send the amount in chat and it’s instantly recorded.
Automated Bank Sync
Connect your Monobank account once. Card spending and incomes import automatically with zero manual effort.
Bonds & Inflation Shield
Calculate real net yields on government bonds and deposits to ensure your capital grows faster than inflation.
Privacy & Security
Your financial data is encrypted and strictly yours. Zero spam, zero third-party data monetization.
Ready to Take Control of Your Money Without Stress?
Get started in under 60 seconds for free. Or explore our interactive government bond calculator to see how your savings could grow.
Key features of the system
Everything you need to move from basic expense logging to proactive money management.
Smart Analytics & Reporting
Deep insights into your finances with visual heatmaps, tag-based accounting, and customizable periods.
Flexible period analysis
Tag and category performance
Spending heatmaps and trend views
Fast monthly and custom period comparisons
Telegram Bot Integration
Add expenses on the fly. Simply text our secure Telegram bot your transactions, and they instantly sync to your dashboard.
Add transactions in seconds from chat
Great for on-the-go spending capture
No spreadsheet backlog at end of month
Works inside Telegram you already have — no extra app to install
Automated Bank Sync & Multi-Currency
Connect your Monobank account for automatic expense tracking, and manage multiple wallets in different currencies seamlessly.
Monobank sync reduces manual work
Track balances across accounts and currencies
Single source of truth for your budget
Smart Bond Calculator & Inflation Shield
Most apps stop at tracking expenses. Monsave helps you build wealth: calculate real net yields on government bonds, project currency devaluation, and compare returns with bank deposits.
Compare real yields between government bonds and bank deposits
Account for inflation and currency devaluation scenarios
Calculate net payouts and tax benefits (0% tax on government bonds)
UA4000226286 • UAH
Why customers choose Monsave over generic trackers
Many finance apps stop at manual logging. Monsave combines direct bank synchronization, messenger-based transaction capture, and advanced analytics in one flow.
This means less admin work, better data quality, and faster decisions about where to optimize spending.
Why Monsave beats spreadsheets and paid apps
Everything you need for full control over your money — no monthly subscriptions, no manual routine, and no limits.
| Feature |
Monsave
100% Free & Unlimited
|
Paid Apps (1Money, Spendee) | Excel / Google Sheets |
|---|---|---|---|
| Pricing & Cost | 100% Free & Unlimited | Subscription $3 - $10/mo | Free, but requires hundreds of hours |
| Bank Auto-Sync | Real-time Monobank API integration | Expensive add-on or unavailable | Manual statement exports only |
| Quick Capture on the Go | Telegram bot in 3 seconds | Must open separate app every time | Slow and painful on mobile |
| Shared Family Budget | Shared wallets for couples included | Paid multi-user tier required | Merge conflicts & formula breaks |
| Investments & Bonds | Built-in bond, deposit & pension models | No support for government bonds | Complex formulas that break |
Frequently Asked Questions about Monsave
Answers to common questions about features, automation, and security.
Our Roadmap
Major releases that improved speed, automation, and usability for real-world money management.
WhatsApp Messenger Bot
Quick expense logging, real-time balance checks, and automated daily/monthly reports directly in WhatsApp.
Bonds Account Type
Full bond portfolio tracking inside Monsave: automatic calculation of coupon payouts, maturity redemptions, and live valuation of your bonds directly on the dashboard.
Collaborative Family Accounts
Released shared account access with flexible view and edit permissions for seamless family and partner budgeting.
Spanish and Italian Localization
Completed full localization of Monsave in Spanish and Italian to make the experience native and consistent for both audiences.
Monobank synchronization
Released Monobank synchronization to automatically import operations and reduce manual transaction entry.
Telegram integration
Monsave's been successfully integrated with the Telegram messenger, which provides our users with efficient and quick access to the main functions directly in the messenger, and we continue to improve its functions.
Ukrainian Localization
Introduced Ukrainian localization so users can manage personal finance in their native language.
Launching the system into open access
Opened Monsave to all users with secure registration and full access to budgeting and reporting tools.
Ready to take full control of your finances?
Join Monsave for free today — account setup takes under 60 seconds. No credit card required, no complex setup.
Get In Touch
Have questions or need help? Reach out to us — we're here to help.
Questions or Issues?
Can't log in, can't register, or have questions about Monsave? We're here to help with any difficulties.
- Issues with login or registration
- Questions about Monsave features and capabilities
- General product inquiries or feedback