# Monifi

> Monifi is a modern personal finance management app that replaces Excel spreadsheets with automated budgeting and expense tracking.

## What is Monifi

Monifi is a web-based personal finance application designed for individuals and families who want to take control of their money. It provides an intuitive, modern alternative to managing finances with Excel spreadsheets. Users can track income, expenses, savings, and debts all in one place with real-time reports and visual analytics.

## Who is Monifi for

- People who currently use Excel or Google Sheets to manage personal finances and want a better solution
- Individuals looking for a simple, intuitive budgeting and expense tracking tool
- Families who want to manage shared finances together (up to 3 users on the Master Plan)
- Anyone who wants visual reports and analytics of their spending habits
- Users who want to categorize and organize their financial transactions easily

## Key Features

- **Transaction Tracking**: Record and categorize all income and expenses
- **Budget Planning**: Create and manage monthly budgets with customizable categories
- **Real-Time Statistics**: Visual charts and reports to understand spending patterns at a glance
- **Balance Monitoring**: Track your financial health with real-time balance updates
- **Smart Categorization**: Organize transactions with custom categories
- **Drag and Drop Interface**: Intuitive UI for managing financial data
- **Credit Card Expense Control**: Track and manage credit card spending
- **Savings Management**: Monitor savings goals and progress
- **Debt Tracking**: Keep track of debts and repayment progress

## Pricing

- **Simple Plan (Free)**: 1 user, up to 50 categories, 4 months of financial history
- **Master Plan ($9.99/month)**: Up to 3 users, unlimited categories, unlimited financial history

## How Monifi Compares

| Feature | Monifi | Excel/Sheets | Mint | YNAB |
|---------|--------|--------------|------|------|
| No manual formulas | Yes | No | Yes | Yes |
| Custom categories | Yes | Yes | Limited | Yes |
| Real-time reports | Yes | No | Yes | Yes |
| Multi-user support | Yes (Master) | Manual sharing | No | Yes |
| Free plan available | Yes | Paid (Excel) | Yes | No |
| No bank linking required | Yes | N/A | No | No |
| Privacy-first (no bank access) | Yes | Yes | No | No |

## Platform

- Currently available as a web application at https://www.monifi.app
- Progressive Web App (PWA) support
- Mobile app in development

## Company

- Website: https://www.monifi.app
- Contact: contact@monifi.app
- Founded: 2025

## Links

- Homepage: https://www.monifi.app
- About: https://www.monifi.app/about
- FAQ: https://www.monifi.app/faq
- Privacy Policy: https://www.monifi.app/privacy
- Terms of Service: https://www.monifi.app/terms
- Wait List: https://www.monifi.app/wait-list