Expense Tracker with AI Insights

The big truth about money

It's usually not "I don't earn enough" — it's "I don't know where it goes". That's the second most common cause of financial stress in Belarus (the first is sudden expenses without a safety cushion). And the cure is the same one: start seeing your money.

Expense tracking in Monetika turns the chaos of daily spending into a clear picture — without boring spreadsheets or daily discipline rituals.

What's inside

Fast entry. Category, amount, note — 10 seconds. Supports BYN, USD, EUR, and RUB with automatic conversion at the current National Bank of Belarus rate.

Categories built for Belarus. Not just "Transport" but separate buckets for public transport (МТЗ, metro), taxis, fuel, and ОСАГО insurance. Not just "Food" but groceries, delivery, and restaurants split apart. Add your own as needed.

AI pattern analysis. Once a month the AI reviews your spending and surfaces non-obvious observations: "Delivery spending is up 40% over the last 3 months", "Every weekend you spend 60% more than weekdays", "Subscriptions are quietly eating 8% of your budget".

Personalized saving tips. Based on your profile and categories, the AI suggests concrete steps: where you can trim without losing quality of life, what to swap, which subscriptions you probably aren't using.

Receipt scanning. Snap a photo of any Belarusian shop receipt — Евроопт, Соседи, anywhere — and the AI extracts items, prices, and creates an entry with the right category.

How it changes your financial life

After a month of consistent tracking, you'll know exactly where your money goes. After three, you'll spot patterns you never noticed. After six, you'll have control — and with control comes freedom: choosing deliberately what to spend on and what to skip.

Data safety

All expense records are stored encrypted. We never share them with third parties, never show them to advertisers, never use them for credit scoring. This is your money — we just help you see it.

Pricing

Pro (19.99 BYN/month): everything unlimited, plus advanced analytics and Excel export.

Can I import a statement from Belarusbank / Priorbank?

There's no direct integration with Belarusian banks yet (Open Banking isn't developed in Belarus the way it is in the EU). But you can export a CSV statement from your internet banking and upload it to Monetika — the system will parse transactions and suggest categories.

Which currency should I track in?

Most Belarusian users track in BYN — it's intuitive. If you have foreign-currency income or a foreign-currency cushion, you can track in parallel with USD/EUR and the system will show the combined picture with conversions.

Should I record every tiny purchase?

Not necessary. The rule is: track anything that adds up to 30+ BYN per week. Daily 5-BYN coffee — yes. Gum once a fortnight — skip it.

Who can see my expenses?

Only you. Data is encrypted, never shared with partners, never used for advertising. Even the Monetika team doesn't see individual entries — only aggregated statistics for improving the product.

Can I run a family budget?

The current version is single-user. Shared family wallets are on the 2026 roadmap.

What about investments and assets? Are they tracked?

Asset and portfolio tracking is a separate module currently in development. For now, the tracker focuses on current expenses and income.

Does the AI analysis use my data or aggregated data?

It's personalized: the AI looks at your own spending over the last 3–6 months. We don't make "how others compare" comparisons — we don't want to create pressure with other people's standards.