Your debt-free
journey starts
right now.
Monaro reads your SMS & email to track every transaction, builds an AI-optimized payoff plan, and tells you exactly when you'll be debt-free.
Be the first to get access:
No spam. Just one email when we launch.
Everything you need to
crush your debt.
SMS scanning. Email parsing. AI copilot. One clear goal: freedom.
SMS Transaction Scanning
Automatically reads your bank SMS messages to detect and categorize every transaction. Works on-device — messages never leave your phone.
Email Statement Parsing
Forward bank statements to your Monaro email. Our AI parses amounts, merchants, and dates automatically. No manual entry needed.
Debt Destroyer
Snowball, Avalanche, or AI Hybrid strategy. Visual countdown to debt-free day. What-If Simulator to see how extra payments accelerate freedom.
AI Financial Copilot
Ask anything about your finances. Get answers grounded in YOUR real numbers. "Can I afford this?" → instant, honest answer.
Direct Bank Sync
Automatic bank connection in 8+ countries. Real-time balance updates and transaction feeds. Zero manual work.
Save Smart
AI-generated budgets. Subscription audit that catches leaks. Round-up savings on autopilot. Spending challenges that actually work.
Stay Motivated
Mountain climb visualization. Mood-spending journal. Milestones and spending challenges that keep you going.
Works Everywhere
Available in every country. SMS + email parsing work with any bank, any currency. CSV import as backup.
Three steps to freedom.
Connect
SMS scanning auto-detects transactions. Forward bank emails for AI parsing. Or import CSV. Works everywhere.
Plan
Add your debts. Pick a strategy. Our AI optimizes your payoff plan to save maximum interest.
Crush It
Watch your debt-free countdown shrink. Ask the AI Copilot anything. Stay motivated.
Simple, honest pricing.
Free trial included. Upgrade when you're ready. Cancel anytime.
Free
Try before you buy
- ✓Manual entry only
- ✓1 debt tracked
- ✓Snowball strategy
- ✓2 budget categories
- ✓24-hour full access
Starter
Smart transaction imports
- ✓SMS transaction scanning
- ✓Email statement parsing
- ✓CSV import
- ✓5 debts tracked
- ✓Snowball + Avalanche
- ✓Full budget categories
- ✓10 AI queries/day
Pro
Full financial command center
- ✓SMS + Email parsing
- ✓Unlimited debts
- ✓AI Hybrid strategy
- ✓What-If Simulator
- ✓Spending challenges
- ✓30 AI queries/day
- ✓Weekly AI coach
Unlimited
Direct bank sync + everything
- ✓Direct bank sync (8+ countries)
- ✓SMS + Email parsing
- ✓Unlimited everything
- ✓All strategies + simulator
- ✓30-day cash flow forecast
- ✓Unlimited AI queries
- ✓Priority support
Your data stays yours. Always.
Questions? Answers.
How does Monaro track my transactions?+
Monaro offers three ways: (1) SMS scanning reads your bank notification messages on-device, (2) Email parsing lets you forward bank statements that our AI processes, (3) CSV import and manual entry. The Unlimited plan also includes direct bank sync in 8+ countries.
What's the AI Copilot?+
It's like having a financial advisor in your pocket. Ask "Can I afford a new laptop?" and it'll check your budget, debt payments, and savings goals to give you a real answer — not generic advice. Every response uses YOUR actual numbers.
What debt payoff strategies do you support?+
Snowball (smallest balance first), Avalanche (highest interest first), and our unique AI Hybrid that optimizes for both psychology and math. The What-If Simulator lets you see exactly how extra payments change your debt-free date.
Is my financial data secure?+
Absolutely. All data is encrypted with AES-256 at rest and TLS 1.3 in transit. SMS scanning happens entirely on your device — messages never leave your phone. Email parsing strips all personal data after extraction. Row Level Security ensures you only see your own data.
When does Monaro launch?+
We're in the final stages of development. Join the waitlist and you'll be the first to know when we launch — plus you'll get early access and founding member pricing.
How is email parsing different from bank sync?+
Email parsing works by you forwarding bank statements or transaction emails to a dedicated Monaro email address. Our AI extracts the data automatically. Bank sync (Unlimited plan) connects directly to your bank for real-time, automatic updates with zero manual steps.
Can I cancel anytime?+
Yes. Cancel from your account settings anytime. Your subscription remains active until the end of the billing period. No cancellation fees, no questions asked.
Ready to be debt-free?
Join the waitlist and be first in line when Monaro launches. Early members get founding pricing — locked in forever.