The AI financial assistant that manages your money — but never touches it without permission.
Monyra reads your documents, plans your debt payoff, tracks your bills, and advises on every financial decision. Every recommendation requires your explicit approval. Full control. Full transparency.
Sample credit overview
Money is stressful. Most apps don't help.
Your money deserves more than another budgeting app. Bring your bills, debts, credit insights, and financial planning together in one place—with AI assistance when you need it.
Create your account
Start managing your finances with AI.
Free plan available forever. No credit card required.
Everything you need in one place
Six powerful modules. One unified platform.
Module previews below are illustrations of the product, not live account data.
Your card utilization is 62%. Paying $310 before the 24th brings it under 30%.
Show me the payoff order.
AI Chief Financial Officer
Ask any financial question. Your AI CFO analyzes your real data and advises - but never acts without your approval.
Learn more →This debt may be past the statute of limitations. Confirm before you pay.
Document Intelligence
Upload paystubs, IRS letters, collection notices. AI extracts key numbers, explains in plain English, recommends actions.
Debt Strategy Engine
Avalanche, snowball, settlement, priority - dynamically computed from your debts. See your debt-free date.
Learn more →Credit Improvement
Track your score, monitor utilization, flag negative items. Know exactly what's helping or hurting.
Learn more →Payment Planner
Auto-generated from your bills and budget. See exactly what to pay from each paycheck.
Audit Timeline
Every action, edit, and AI recommendation logged chronographically. Full transparency and accountability.
Straight answers before you start
Two questions worth settling up front: how your information gets into Monyra, and what our credit rating actually is.
How your numbers get in
Monyra never asks for your bank login. You enter your numbers yourself, or upload statements and letters and let document intelligence read the important figures for you.
What the Credit Health Rating means
It is Monyra's own summary rating of your credit picture, based on the accounts and scores in your account. It is not a FICO or VantageScore, and Monyra does not provide an official credit score.
Explore the solutions
Three guided starting points, each built around a real problem.
Improve Your Credit
Read your report in plain English, review each account, and follow a prioritised roadmap.
Learn more →Debt & Budget Planner
Bring bills, debts and savings into one place, then decide what to pay first.
Learn more →AI Financial Assistant
Ask about your own numbers and approve every change yourself. Nothing moves without you.
Learn more →Why Monyra is different
Your financial tools, working together in one place.
Human-in-the-loop: AI recommends, you approve. Nothing changes without your say-so.
Financial documents, explained. Monyra helps you understand supported financial documents, identify important details, and plan your next steps.
All-in-one: Bills, debt, credit, savings, AI advisor, payment planner in one place.
Audit trail: Every change tracked. Trust and transparency built in.
Simple, transparent pricing
Start free. Upgrade when you're ready.
Everything you need to organise your money, at no cost.
- Dashboard & net worth tracking
- Bill manager, budgeting & savings goals
- Life Goals, Stress Index & Emergency Prep
- Debt manager with strategy engine, loan payoff & settlement tracker
- Manual credit score tracking & Credit Health Rating
- Basic credit account list & roadmap
- 10 AI CFO messages / month
- 3 document analyses / month
- 1 credit-report analysis / month
- Unlimited PDF report exports
Can I afford $400 this month?
Yes. After your bills you have $612 left, and sending $400 to the card still covers the rest of the month.
Nothing moves until you approve it
Ask your AI CFO
Adds the AI Payment Planner, forecasting and the full Credit Center.
- Everything in Free
- AI Payment Planner & Smart Bill Sync
- 90-day Cash Flow Forecast
- Subscription Audit
- Full Credit Center: Simulator, Utilization Planner, Account Review, Dispute Assistant, duplicate & unreported-debt detection
- Full Credit Progress, Roadmap & alerts
- AI Insights — personalized financial activity analysis
- Negotiation Playbook
- 100 AI CFO messages / month
- 25 document analyses / month
- 5 credit-report analyses / month
Reserved for future capabilities. Premium is not available for purchase yet.
Your data stays yours
Human-in-the-loop protection means no AI ever moves your money. Every recommendation requires your explicit approval. Full audit trail on every action.
Ready to take control?
Join Monyra today. Your AI CFO is waiting.
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