Your expenses, your privacy.
Monetor tracks your spending automatically by reading the transaction SMS your bank already sends — right on your device. No bank login. No account linking. No data brokers. Just clarity.
Incoming SMS · KESTREL-BANK
Txn USD 42.90 on card **21 at BLUE BOTTLE COFFEE on 12 Jul. Avail bal USD 1,204.55
Blue Bottle Coffee
Coffee & Café · 12 Jul
-$42.90
Understands transaction SMS from banks & wallets like
The privacy promise
We can't leak what we never collect.
Most budgeting apps ask you to hand over your bank login or route your accounts through a third party. In much of the world that's risky, unavailable, or simply a dealbreaker. Monetor takes the opposite path: it reads the transaction texts you already receive — on your device — and never asks for the keys to your accounts.
- No banking credentials, ever — Monetor can't move your money.
- Transaction parsing runs on your phone, not our servers.
- Your messages are never sold, brokered, or used for ads.
- Delete everything with one tap. It was always yours.
Data that leaves your phone
A short list, on purpose.
How it works
Three steps. Zero spreadsheets.
From permission to full picture in about a minute — then it runs itself.
Grant SMS read access
A single on-device permission lets Monetor see transaction alerts — and nothing else leaves your phone.
Monetor parses each alert
The moment your bank texts a confirmation, Monetor extracts the merchant, amount, and category automatically.
Watch your money make sense
Your dashboard fills itself in real time. No manual entry, no bank login, no spreadsheets.
Features
Everything a tracker should be. Nothing it shouldn't.
Built around one idea: understand your spending without giving up your privacy.
SMS-first parsing
Reads your bank & mobile-money transaction texts on-device and logs merchant, amount, and date automatically — no typing, no linking.
No bank account access
Monetor never asks for banking credentials and never touches your money. Zero connection to your accounts by design.
Private by architecture
Parsing happens on your phone. Your messages stay yours — not sold, not brokered, not mined.
Real spending insight
See where your money goes with clear breakdowns by category, merchant, and month — updated the instant an SMS lands.
Smart categories
Groceries, transport, bills, dining — Monetor sorts transactions for you and learns your corrections over time.
Built for many currencies
Handles local currencies and multi-format alerts across emerging and developed markets from day one.
Works without APIs
No bank Open Banking APIs? No problem. If your bank texts you, Monetor works — even where account linking simply isn't available.
Your data, exportable
Export a clean CSV of your history whenever you like. It's your record — take it anywhere.
0
bank logins required
100%
parsing on your device
40+
SMS formats supported
$4/mo
one low global price
Where Monetor wins
The gap the big apps leave open
Wallet, Money Lover and YNAB are great — if you can (and want to) link a bank. Monetor is for everyone who can't, or won't.
| Capability | Monetor | Wallet | Money Lover | YNAB |
|---|---|---|---|---|
| Tracks spending without bank login | ||||
| Automatic SMS transaction capture | ||||
| Works where bank APIs are absent | ||||
| On-device parsing, no account linking | ||||
| Price built for global users | $4/mo | $ | $$ | $$$ |
Comparison reflects Monetor's positioning for SMS-banking regions. Competitor names belong to their owners.
Early voices
Made for people the others forgot
Illustrative testimonials from our target users — sample data for this preview.
“I never linked a bank account — I just kept getting my normal SMS alerts and my whole month was already sorted. That's the trick nobody else does.”
“In my country there's no Open Banking. Every other app was useless. Monetor reads my transaction texts and it just… works.”
“Finally a budgeting app that doesn't want my login. My data stays on my phone and I still see exactly where my money goes.”
Pricing
One low price. Anywhere in the world.
Start free. Go Pro for about the price of a coffee — a blended global rate that respects price-sensitive users everywhere.
Free
The privacy-first tracker, on the house.
$0/forever
- Automatic SMS transaction logging
- On-device parsing & privacy
- Core categories & monthly view
- Up to 90 days of history
Monetor Pro
Everything, unlimited — still no bank login.
$4/month · ≈ $40/yr
- Everything in Free
- Unlimited transaction history
- Multi-account budgets & goals
- Smart auto-categories that learn
- CSV export & spending reports
- Priority region rollout access
Secure checkout · cancel anytime
FAQ
Questions, answered
Your bank already texts you a confirmation SMS after most card and mobile-money transactions. Monetor reads those transaction messages on your device, extracts the merchant, amount, and date, and files them automatically. There is no account linking, no password, and no bank API in the middle.
No. Parsing happens on your phone. Monetor never asks for banking credentials and never moves money. We designed the product specifically for people who do not want a third party sitting between them and their bank.
Monetor is built SMS-first for markets where bank and mobile-money SMS alerts are the norm — across Africa, South Asia, Latin America, the Middle East, and beyond. It ships with parsing patterns for a growing list of banks and wallets, and learns new SMS formats over time.
Those apps either push you toward linking bank accounts (which is unavailable or risky in many regions) or rely on slow manual entry. Monetor's SMS-first engine automates entry the moment a message arrives — no linking required — at a price built for globally price-sensitive users.
The core tracker is free. Monetor Pro is $4/month (about $40/year) and unlocks unlimited history, multi-account budgets, smart categories, and exports. One low blended price, wherever you are.
We're onboarding early users in waves. Join the waitlist to reserve your spot, or lock in Pro early — you'll be among the first invited as we roll out region by region.
Track your money without giving it away.
Join the waitlist to reserve early access. No spam, no bank login — just an invite when Monetor reaches you.
We'll only use your email to send your invite. Nothing is stored on this preview.