Budgets, expense tracking, savings, debts and investments in one place, in your currency. And if you bank with Bancolombia or Lulo Bank, your transactions are logged automatically from the bank email alerts, without handing over your password.
All features · No restrictions
HOW TO GET STARTED
Free, no card required, in under a minute. Just your email and a password.
Enter them manually or from a photo of the receipt, import your bank transactions, or connect your email for automatic detection.
Real-time budget, reports, and goals. Start making decisions with real data.
Connect the mailbox where your bank alerts arrive (Outlook or Gmail, read-only permission). Moncua reads only those senders and proposes each transaction; you confirm it with one tap. Two Colombian banks today; more are added by demand, from any country.
Debit and credit card purchases, PSE, Botón Bancolombia, QR and Bre-B, transfers, withdrawals, deposits, payroll and loan installments.
Bancolombia guide, step by step (Spanish)Purchases, subscriptions, transfers, loan payments, PSE top-ups and money received.
Lulo Bank guide, step by step (Spanish)Any bank or wallet, in any country, can be logged manually; if it lets you download your transactions as CSV or Excel (the report or the statement), you can import them too. If your bank sends email alerts with a stable format, request it from Settings: banks are added by demand.
Example: handling Nequi and Daviplata (Spanish)Create all the accounts you need: bank, cash, investments. See available balance, allocated provisions and savings, and transfer between them easily.
Plan income, expenses, provisions, and savings goals month by month. Monitor execution in real time and take control of your cash flow.
Every fact can be checked in each tool's official listing or website. Checked on .
| Tool | Price Free, with no features locked behind a payment? | Automatic logging Does it log what happens at your bank on its own, with no typing or importing, and without your bank password? | Where it works Phone, computer and web | Sharing With your partner or family, with per-person permissions? | More than expenses Debts, savings, net worth and investments |
|---|---|---|---|---|---|
| Moncua This app | Yes: Free: every feature, with nothing locked behind a payment. | Partial: Reads the email alerts from Bancolombia and Lulo Bank, from your Gmail or Outlook with read-only permission; you confirm each transaction and it never asks for your bank password. Another bank that sends email alerts can be requested from Settings with a sample alert and is added by demand. Separately, it reads a receipt photo and imports CSV or Excel statements. | Yes: Web and an app you install from the browser on Android, iPhone and desktop, with no app stores. Needs a connection. | Yes: You invite by email anyone who does not have a Moncua account yet: they get their own login, as editor or read-only, and there is a log of who did what. Free. | Yes: Budget plan vs. actual, provisions and savings goals, debts and receivables, net worth and investments (ROI and IRR), six reports. |
| Phone notes | Yes: Free: it comes with the phone. | No: Everything by hand, as free text. | Partial: On your phone; on other devices it depends on the notes app you use. | Partial: You can share a note; permissions depend on the notes app you use. | No: Free text: no spending categories, account balances or reports. |
| Excel (or Google Sheets) | Partial: Free on the web with an account (Excel for the web or Google Sheets); desktop Excel and some features are paid: Microsoft 365, a one-time Office purchase or Google Workspace. | No: By hand: you keep the log yourself, with a template or your own formulas, or you open the statement you download from your bank. The Microsoft and Google pages we checked do not advertise a bank connection. | Yes: Web, Android, iPhone and desktop. | Yes: You share the file with view or edit permission; everyone works on the same sheet. | Partial: Whatever you build: Microsoft and Google offer free budget templates, and Microsoft also has loan, mortgage and savings ones; the rest you put together with formulas. |
| Monefy | Partial: The core app is free; paid Premium unlocks unlimited accounts, recurring transactions and advanced filters. | No: By hand or by importing a statement; its website says no bank login is required. | Partial: Android and iPhone. | Partial: You sync through Google Drive or Dropbox, also to track expenses with your partner; it does not advertise separate users or per-person permissions. | Partial: Expenses, income, multiple accounts and a budget mode. Its listing for Colombia does not describe debt, savings-goal or investment features. |
| Wallet (BudgetBakers) | Partial: Manual tracking is free; paid Premium for bank sync, group sharing, investments and export. | Partial: Bank sync in Premium, subject to your bank being available; if it is missing, you can request it through a form. It also logs what you pay with Google Pay (on Android; Colombia is on its list) or Apple Pay (through a Shortcut on iPhone). Separately, it imports CSV, Excel or OFX files from its web version. | Yes: Android, iPhone, iPad and web. | Partial: Group sharing, with a permission per account for each person; whoever creates the group needs Premium. | Partial: Budgets and planned payments; mortgages and bank loans are tracked as an account. The module for debts between people and savings goals are Android-only today, per its help center. Stock and ETF investments, with a net-worth view, in Premium. |
| Moneyboard | Partial: Free with in-app purchases; Pro at COP 19,900/month, 59,900/year or 79,900 for life. | No: Its listing does not advertise a bank connection or reading bank notices. Separately, it logs by voice with AI and with Siri, and imports CSV statements with templates and automatic categorization. | Partial: Apple devices: iPhone, iPad, Mac and Apple Watch. | Partial: You share accounts with family or friends, in real time; per its release notes it is included with Pro. Its listing does not advertise per-person permissions. | Partial: Multiple accounts in different currencies, credit cards, budgets and cash-flow reports. Its listing does not advertise debts, savings goals or investments. |
| MonAi | Partial: A 7-day trial and then a subscription, from COP 14,900 to 27,900 a month depending on the plan. On Android its listing advertises basic use without a subscription, and its terms describe a free tier of 20 transactions a month. | Partial: On iPhone, through Shortcuts, it logs Apple Pay payments and your bank's SMS or emails; on Android it reads banking-app notifications. Separately, it logs by voice with AI, reads a receipt photo and takes expenses over WhatsApp. | Partial: iPhone and Android; the iPhone app also runs on Apple-silicon Macs. | Partial: Lists shared through an invitation link; you choose which ones to share. It does not advertise per-person permissions. | Partial: Budgets per category and AI reports (on iPhone; paid with AI credits). Its listing does not advertise debts, savings goals or investments. |
Every feature, with no paid plan unlocking any of them. On this list, phone notes and the web version of spreadsheets can also be used without paying, although Microsoft and Google reserve features for their paid plans; in Monefy, Wallet, Moneyboard and MonAi some features are unlocked by paying.
You connect your Gmail or Outlook once and Moncua reads the email alerts from those two banks, with a reader built for each; if yours is another one and it sends email alerts, you request it and it is added by demand. You confirm each transaction, never hand over your bank password and pay nothing for it.
Budget plan vs. actual, provisions and savings goals, debts and receivables, and net worth with investments (ROI and IRR). In the sources we checked, none of the other four apps advertises all four at no cost; Wallet comes closest, with investments in Premium. With a spreadsheet you can build them yourself.
Sources: each app's listing on the App Store and, where it exists, on Google Play for Colombia, and its official website, help center and terms; for notes, Excel and Google Sheets, Apple's, Google's and Microsoft's pages. Prices are in Colombian pesos, as shown in the listings; prices and features may change. Trademarks belong to their owners. Something changed? Tell us and we'll fix it. Wider comparison on the blog (in Spanish): Mobills, Bankity, Kuanto and Bancolombia's app.
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