AI Personal Finance Assistant
Get embedded guidance that helps you understand spending patterns, plan envelopes, and make clearer money decisions.
FEATURES
Features built for real money pressure.
Plan your budget into smart envelopes, protect essentials, get helpful guidance, and spend from the app based on the conditions you define.
Smart Money envelopes
Create separate envelopes for food, transport, bills, savings, rent, emergencies, and flexible spending.
Essential-First Allocation
When money comes in, wisemonie helps you protect the important categories first.
Spending Rules
Set limits, release times, lock periods, or category-based controls.
Spending Disbursement Alerts
Get automatic notifications when your money is disbursed for spending.
Bill and Airtime Flows
Plan recurring expenses like bills, airtime, and data from the right money envelope.
Real-Time Position
See how much is left in each envelope before you spend.
Spending History
View money movement by purpose, not just transaction lists.