Your finances.
Actually
understood.
Monyfx connects to your bank, analyzes every transaction with AI, forecasts cashflow, and visualizes your money in ways no other app can. Without the wealth-manager price tag.
March 2026
One app. Every financial
tool you need.
From AI-powered insights to receipt scanning to interactive visualizations — Monyfx replaces 5+ apps with one intelligent platform.
Monyfx Web™ Dendrogram
An interactive spending tree you drill into: category → type → merchant → transaction. Multiple view modes, color themes, and AI context panels.
Money Flow Visualization
Watch income flow into categories via a live Sankey-style diagram. Understand your whole financial picture at a glance.
Top merchants: Whole Foods · Chipotle
AI Financial Chat
Ask your own data anything. "How much on food this month?" "Am I on track?" — grounded answers, not generic advice.
30-Day Cashflow Forecast
Confidence bands and risk-period detection so you know when money will be tight — before it happens.
Subscription Heatmap
Twelve months of recurring charges at a glance. Spot creep, seasonal spikes, and dead subscriptions in seconds.
Smart Budgeting
Category budgets with real-time progress. Share with a partner.
Receipt Scanner
Photograph or upload receipts. Auto-matched to bank transactions.
Investment Portfolio
Import CSV holdings. AI-powered allocation + risk analysis.
Monthly Recap
On-demand summaries with insights, top merchants, and trends.
Visualizations no other
app can show you.
Monyfx transforms raw financial data into interactive, explorable visual experiences that make your money intuitive to understand.
Subscription Cost Heatmap
12 months of subscription spending visualized as a heat grid. Instantly see cost spikes, seasonal patterns, and subscription creep over time.
Money Flow — Alluvial Diagram
Watch your income flow into spending categories through a beautiful Sankey-style visualization. Understand your complete financial picture at a glance.
Monthly Financial Recap
Every month, get a comprehensive report: income, expenses, savings rate, category breakdowns, top merchants, and AI-generated insights about your trends.
30-Day Cashflow Forecast
AI predicts your cashflow for the next 30 days with confidence bands and risk period detection. Know exactly when money will be tight — before it happens.
Monyfx vs. the competition
Features that matter — side by side.
| Feature |  Monyfx AI | Cleo | Origin | Monarch | Betterment |
|---|---|---|---|---|---|
| AI Chat with Your Financial Data | |||||
| AI-Generated Insights & Coaching | |||||
| Interactive Spending Dendrogram | |||||
| Money Flow Visualization | |||||
| Receipt OCR + Transaction Matching | |||||
| Subscription Heatmap | |||||
| Monthly Financial Recap | |||||
| 30-Day Cashflow Forecast | Basic | ||||
| Investment Portfolio Analysis | Basic | ||||
| Financial Health Score | |||||
| Full Data Export | |||||
| Human Financial Advisor Access | |||||
| Bill Negotiation Service | |||||
| Starting Price | $0 Free | $5.99/mo | $12.99/mo | $14.99/mo | 0.25% AUM |
Up and running in under a minute.
Create Your Account
Sign up in seconds with email or Google. Free forever, no credit card needed.
Connect Your Bank
Securely link accounts through Plaid. Bank-level encryption protects your data at every step.
AI Analyzes Everything
Monyfx categorizes transactions, detects subscriptions, and builds your profile — automatically.
Explore & Take Control
Interactive visualizations, AI chat, budgets, cashflow forecasts, and confident money decisions.
Start free. Upgrade when you're ready.
Core financial intelligence is free forever. No hidden fees, no bait and switch.
- Bank account linking via Plaid
- AI transaction categorization
- Spending dashboard & charts
- Budget creation & tracking
- Bill tracking & due dates
- Subscription detection
- Net worth tracking
- Everything in Free
- Monyfx Web™ dendrogram
- 30-day cashflow forecasting
- AI subscription intelligence
- Monthly financial recap
- Calendar heatmap view
- Bill reminders & predictions
- Unlimited bank connections
- Everything in Plus
- AI financial chat assistant
- Receipt scanning & OCR
- Money flow visualization
- Investment portfolio analysis
- Shared budgets & collaboration
- Financial health score & history
- Full data export
- Priority support
Cancel anytime. No penalties, no questions asked.
Bank-Level Security
256-bit encryption. Read-only bank access. We can never move your money.
We Never Sell Your Data
Your financial data is yours. Period. We monetize through subscriptions, not your information.
No Judgment, Just Support
Money is hard. Monyfx is designed to help you understand and improve — not shame you.
Built for Real Life
Inconsistent income, debt, tight months — our tools are designed for your reality, not a textbook.
Ready to actually understand
your finances?
Be among the first to see your finances the way they were meant to be seen — with the power of AI and the respect you deserve.
Get Started Free