Stop guessing where your money goes. Start building a plan.
Monyra brings your bills, debts, budget and savings into one place, then helps you decide what to pay first. Every change is yours to approve.
Free plan available forever. No credit card required.
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The starting point
Five apps, and still no answer
One app tracks bills. Another tracks debt. A spreadsheet holds the budget. None of them knows about each other, so none of them can tell you what to do next.
Your obligations are scattered
Due dates in one place, balances in another, savings somewhere else entirely.
Priorities aren't obvious
Every bill looks urgent, so the cheapest decision gets made by whoever shouts loudest.
There's no plan to follow
A list of what you owe is not the same as knowing what to pay this Friday.
What you get
Everything in one place, in the order it matters
Monyra keeps the plan and the record side by side, so the answer to “what should I pay next?” comes from your own numbers.
See every obligation in one list
The Bill Manager holds what you owe, when it is due and how urgent it is. Bills can repeat monthly, biweekly, weekly or not at all, and a bill can be linked to the debt it pays down.
- Due dates, amounts, categories and priority in one view
- Recurring schedules that keep month-end dates from drifting
- Partial payments leave the remaining balance outstanding
Bill Manager
Active Bills
$2,048
This Month
$1,616
Archived
3
Rent
Housing
$1,450
Nov 1
12 days left
Electric
Utility
$96
Nov 4
Partial $40 • $56 left
Understand what each debt really costs
The Debt Strategy Engine compares payoff approaches using your balances, interest rates and minimum payments, and projects a debt-free date from your own figures.
- Compare highest-interest-first against smallest-balance-first
- See the projected debt-free date for each approach
- Settlement tracking sits alongside it, with the Negotiation Playbook on Pro
Debt Manager
Total Debt
$10,250
Min. Payments
$395
Recommended
$640
Monthly Interest
$186
AI Strategy: Avalanche
Debt-free by Aug 2029Saves $2,140 interestHighest interest first — saves the most money. Settlement and priority orders are available too.
Store Card
Balance
$410
Min Payment
$25
Recommended
$150
Build a monthly plan you can follow
The Monthly Budget Planner is a plan, not a spending tracker. You decide what each month should look like, and Monyra shows it next to the activity you have actually recorded.
- Plan income, categories, debt payments, savings and investments separately
- Map an expense category to a budget category only when you confirm it
- Planned and recorded figures stay clearly apart so nothing is double-counted
Budget Planner
Plan one month at a time. Every figure here is a plan you set — it never changes your bills, debts, expenses, or savings.
Planned Income
$5,200
Planned Expenses
$3,180
Planned Debt Payments
$640
Planned Savings & Investments
$750
Remaining Unallocated
$630
Planned breakdown
Not saved yet
Know what to pay from each paycheck
The AI Payment Planner turns your bills and budget into a per-paycheck schedule, so a month of obligations becomes a handful of clear decisions.
- Built from the bills and budget you already entered
- Grouped by the paycheck that has to cover it
- Smart Bill Sync and the 90-day Cash Flow Forecast sit alongside it
AI Payment Planner
Paycheck Amount
$2,600
Total Allocated
$2,180
Remaining Spending
$420
Payment Schedule
Rent
Housing
Emergency Fund
Savings
Electric
Utility
Approve this financial plan?
Keep savings and goals on track
Savings goals and an emergency fund sit in the same plan as your debts, so putting money aside is a line in the budget rather than an afterthought.
- Savings goals with progress you update yourself
- Emergency fund tracked against its target
- Contributions are transfers, never counted as spending
Savings Management
Total Savings
$12,480
Monthly Savings
$750
Biweekly Savings
$346
Year-to-Date
$7,900
Emergency Fund
Current Balance
$6,200
Months Covered
1.9
Home Down Payment
Savings
Contribution
$450/Monthly
Est. Completion
Mar 2029
Track it without a spreadsheet
Mark a bill as paid and the linked debt, your totals and your dashboard all move together. Every change is written to a timeline you can review later.
- One shared payment path, so every screen agrees
- An audit timeline of what changed and when
- PDF reports you can export on any plan
Mark as Paid
Chase Card
Amount due: $250.00
Already paid: $100.00 · Remaining: $150.00
Payment Type
Date Paid
Full payment of $150.00 will be recorded.
This payment also lowers your Chase Card balance in Debt Manager.
Getting started
Build the first plan in one sitting
You can add more detail later. Nothing is locked in and nothing is sent anywhere.
- 1
Add your bills
Name, amount and due date is enough to start. Recurring schedules are supported.
- 2
Add your debts
Balance, interest rate and minimum payment — the three numbers that drive every payoff decision.
- 3
Set a monthly plan
Plan your income, your categories, and what you intend to send to debt and savings.
- 4
Follow it and adjust
Mark bills as they are paid and compare what you planned against what actually happened.
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
Budget and debt questions
Anything unclear? The AI CFO inside the app can walk through your own figures with you.
Give this month a plan
Add your bills and debts, set a monthly plan, and see where you actually stand.
No credit card required.