Meet Rosa, your AI finance assistant. Give everyone in the family their own clear budget so you stay aligned and never spend over your income — and track spending in seconds by dictation, text, or a photo. No bank accounts to link, no setup.
You know you should track your spending. But who has time for spreadsheets, account linking, and endless categorizing?
Tracking expenses shouldn't feel like data entry. It should feel like talking to a friend.
Just say it, snap it, or share it. Rosa understands and logs everything automatically.
Giving apps full access to your bank accounts feels risky. You want control without the surveillance.
No bank linking needed. Your data stays yours, stored in EU servers.
Budgets with 47 categories, charts you don't understand, and features you'll never use.
See your money as simple flows: what comes in, what goes out, what stays.
Agree on a budget once, then everyone stays aligned without anyone policing anyone. Share a budget by email — with one person or the whole family — and each participant sees the same live numbers on their own phone, combined across everyone, without sharing bank accounts or logins.
So when anyone is about to buy something, they can glance at where they stand this week and decide right there, on their own — confident they're respecting what was already agreed. No phone call, no "let me check first."
One subscription gets your whole family in. Invite family members by name and email; they tap the link, sign in with Google or Apple, and land straight in the full app — no onboarding, no paywall.
They get the full app for free. Only Rosa (the AI) and My Rules for Rosa need their own subscription — and they can add one anytime to unlock those.
One person pays; everyone participates.
Ask Rosa in plain language — "Can I afford a car at €300 a month?" — and she runs a real analysis, not a guess. She reviews your actual spending and commitments, asks the right follow-up questions, works out the full cost, and compares it against your real monthly surplus.
Then she tells you honestly: comfortably, barely, or not at all — with suggestions. She never tells you to cut your savings to afford something.
A watchlist tracks any slice of your money — not just a category with a cap. Tell Rosa what belongs in it using tags, specific shops, and flows (and exclude what doesn't), then give it a budget. The shared budgets above are watchlists too.
A dedicated tab that looks forward, not just back. Rosa keeps an eye on what's coming so nothing catches you off guard.
Track spending in seconds‡ — just say "I spent €45 on groceries at Lidl" and Rosa handles the rest. She logs it, categorizes it, and updates your budget automatically.
Snap a receipt or share a screenshot from your bank app‡ — Rosa reads it and extracts all transactions. Share directly from Photos, Messages, or Safari without opening the app first.
Accepts input in multiple languages — type in Spanish, dictate in Dutch, snap a French receipt.
The more you use Rosa, the better she understands you. No manual training needed — she improves automatically.
Rosa works great out of the box, but you can customize how she handles your transactions. Write rules in plain language and Rosa optimizes and applies them automatically.‡
Tell her things like "Ignore transfers from Venmo", "Tag Netflix as Subscription", or "Always assign coffee shops to Leisure" — she'll follow your preferences every time.
Found in Settings → My Rules for Rosa
Forget complex budgets with dozens of categories. Rosa uses just four flows — simple by design.
Whatever's left after spending and investing is your Net Saving — the money you keep. Define your expected income, decide how much goes to each flow, and Rosa tracks your progress automatically. Every month resets — start fresh with clarity.
We never sell or trade your data — it always stays yours.
Your information is securely stored and processed through trusted cloud providers in the EU, fully GDPR compliant. It is only shared with secure systems that power these features — never sold or used for advertising.
With Rosemoni, we're not interested in your personal data — our goal is to help you manage your finances safely and privately.
Shopping abroad or living as an expat? Snap a receipt in different languages — Dutch, Portuguese, Japanese — and Rosa reads it, converts it to English, and extracts transactions automatically.
Powered by AI that works across many languages.
Prefer typing? Write in German, Spanish, or the language you're comfortable with. Rosa understands the context and creates transactions in English — no translation on your part needed.
"Ich habe 45 Euro für Lebensmittel ausgegeben" → €45 groceries transaction.
Your voice matters. Request features and give feedback directly in the app. Vote on what matters most to you, and the community decides what gets built next. We're building this together.
No bank accounts to link. No setup required. Your financial data stays on your device and in EU servers.
Learn more about privacy€9.99/month or €79.99/year
Early Birds offer: 3 months for €14.99 — Use code EARLYBIRD
7-day free trial • No charge until trial ends • Cancel anytime
Available now on the App Store
Notes
† Voice input uses your device's built-in keyboard dictation feature.
‡ Daily usage limits apply to messages, image processing, and rule optimizations.