Your money raises questions. Get help finding your next move.
Monyra's AI CFO reads your own numbers, explains what it sees and suggests a next step. Nothing is applied until you approve it.
Free plan includes 10 AI CFO messages a month. No credit card required.
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What it does
A conversation about your actual numbers
Not generic advice from the internet — an answer built from the bills, debts, budget and goals already in your account.
Ask a question in plain language
Type the question the way you would ask a person. The AI CFO answers using your own records and explains which figures it looked at.
- Answers drawn from your bills, debts, budget, savings and goals
- Follow-up questions stay in the same conversation
- Free includes 10 messages a month, Pro includes 100
AI Chief Financial Officer
Agentic — reads your data, takes actions, proposes for approval
Can I pay off my card faster?
Based on the debts you have recorded, sending an extra $150 a month to your highest-rate balance would clear it sooner. Here is what that looks like — nothing changes until you approve it.
What would my debt-free date be?
Ask your AI CFO to analyze, plan, or take action…
Understand a document you were sent
Upload a paystub, statement or letter. Monyra extracts the key figures and explains what the document is actually saying, in plain English.
- Free includes 3 document analyses a month, Pro includes 25
- Documents are stored in private storage and scoped to your account
- Extracted figures are shown to you before they are used
paystub-october.pdf
Paystubs
Document Summary
Important Numbers
AI Action Plan
Net pay is steady across both periods. Your planned income still matches, so no change is needed.
Get a prioritised suggestion, not a lecture
Recommendations arrive with a priority, a plain-language reason and the figures behind them, so you can judge the suggestion instead of taking it on faith.
- Every recommendation states what it is based on
- Ordered so the urgent items are not buried
- You can reject a suggestion and it will not come back
Pending Recommendations
1 pendingUpdate income from paystub: paystub-october.pdf
AI detected income of $2,310.00 in this paystub. Approve to update your monthly income and recalculate your financial plan.
→ Update monthly income
Proposed Changes
monthlyIncome: → $4,620
paycheckAmount: → $2,310
income: → $4,620
Nothing is applied to your records until you approve it.
Approve every change yourself
Recommendations wait in an approval queue. Approving one applies it to your records; rejecting one closes it. Nothing happens in the background.
- Approval workflow across the whole app
- Approve or reject item by item
- Every decision written to an audit timeline
Approval Workflow
Human-in-the-loop protection
Every AI recommendation stays as a "pending suggestion" until you approve it.
Pending Recommendations
23 bills due within 7 days
high · 2h ago
Savings goal “Home Down Payment” is behind schedule
medium · 2h ago
Resolved
Update income from paystub
approvedReview your financial recommendations and progress
Every recommendation, approval and rejection is written to a dated audit timeline, so you can see what Monyra suggested, what you decided, and when each change happened.
- A filterable record of recommendations, approvals and rejections
- Bill, debt, budget and document activity in the same history
- Included on the Free plan — no upgrade required
Financial Timeline
Complete chronological history of your financial activity.
Morning Financial Review
3 recommendations generated by automated review.
Recommendation approved
Update income from paystub: paystub-october.pdf
Bill payment recorded
Electric — $40.00 partial payment, $56.00 remaining.
Debt balance updated
Chase Card reduced to $1,240.00.
The boundaries
What Monyra's AI does not do
These are hard limits in the product, not settings you can turn on.
- It does not move money, make payments or transfer funds.
- It does not connect to your bank in order to transact.
- It does not contact creditors, collectors or credit bureaus.
- It does not change any record without your approval.
- It is not a licensed financial, tax or legal adviser, and it does not provide investment advice.
You remain responsible for every financial decision. Monyra explains, suggests and records — the approval is always yours.
How it works
Four steps, and you stay in control
- 1
Add what you have
Your bills, debts, income and goals — or start with a document you upload.
- 2
Ask a question
In your own words, the way you'd ask a person.
- 3
Read the reasoning
Monyra explains what it looked at and why it is suggesting a particular step.
- 4
Approve or reject
Nothing is applied to your records until you approve it.
Plans
Free to start. Pro when you want the full toolkit.
AI features are counted monthly and are never described as unlimited.
Free
- Dashboard & net worth tracking
- Bill manager, budgeting & savings goals
- Debt manager with strategy engine, loan payoff & settlement tracker
- Life Goals, Stress Index & Emergency Prep
- 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
Pro
- Everything in Free
- AI Payment Planner & Smart Bill Sync
- 90-day Cash Flow Forecast
- 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
You'll review the Subscription Terms, Refund Policy and Privacy Policy before payment.
FAQ
AI questions, answered plainly
Monyra publishes an AI Disclosure explaining how its AI features work and what they do not do.
Ask your first question
Create a free account and put a question to your own numbers. You decide what happens next.
No credit card required.