Montra logs it, sorts it into categories, and shows you the totals. No spreadsheets, no forms, no bank login.
Early access: everyone who joins now becomes a Founding member, with a perk when paid plans launch.
Type or say what you spent, like texting a friend. It figures out the category and logs it.
Montra never connects to your bank or reads your accounts. You're always in control of what it knows.
No trial that turns into a charge. It's free, and I'd genuinely love your honest feedback.
Your dashboard
$1,914.00 total
Example data. Your dashboard fills in as you chat.
How it works
"$6 coffee" or "paid rent 1200", however you'd say it. Or tap the mic and just talk.
It picks the category, date and account for you. Fix anything with one message.
Your dashboard updates instantly with totals, categories and cash flow.
New: Text Montra
The hardest part of budgeting is remembering to log things. So now you don't even have to open Montra.
What people say
“Tracking my spending has become a lot less intimidating compared to past budgeting apps I've tried to use, and it's really easy to use!”
“Loving the app so far, didn't realize how much I am paying for subscriptions.”
“I find it way easier to use than tracking my budget on an Excel sheet. All I have to do is tell Montra what I spent, earned or added to my savings, and it organizes everything for me.”
“I've had a few suggestions come up that I was going to let Noah know about, only to later find that Montra already had it. Overall I have found using Montra to be very valuable.”
“I like how easy it is to just type things and it places it in a category for me. It is really eye opening to see how much I am spending and helps me make sure I can watch how much I am spending in certain categories like fun and entertainment.”
“I've really been loving Montra and it's super helpful in tracking my spending. I'm loving how easy it is to track and I'm also loving the automatic sorting of where you're spending your money.”
FAQ
Right now, completely. There's no credit card and nothing that quietly starts charging you. Montra won't be free forever, but for now all I'm asking for is your honest feedback. If that ever changes, you'll hear about it well in advance.
ChatGPT answers money questions. Montra keeps track for you. ChatGPT can keep your history in a chat, but a chat is a conversation, not a record: every time you ask how much you've spent, it re-reads everything and does the math in its head, and the longer the chat gets, the less you can trust the answer. Montra saves every purchase as real data and does the math with code, so the numbers are exact every time, and your budgets and goals update the second you log something. It also works without you asking: bills and paycheques log themselves, and it reminds you on days you forget.
The biggest difference is that you actually notice your spending. Your bank sorts things in the background, so most people rarely look at it. Logging a purchase yourself takes five seconds, and that moment is what makes you more aware of where your money goes and actually change your habits. Montra also puts everything in one place, like a debit card at one bank, a credit card at another, cash and e-Transfers, with no bank login. And its categories follow how you'd describe things (Costco as groceries, not "shopping"), and you can fix anything just by telling it.
No. Montra never asks for your bank login and can't see your accounts. It only knows what you tell it.
Your transactions are only visible to you, and they're never sold. You can delete your account and everything in it anytime from Settings.
The AI only turns your messages into transactions. Every total and breakdown is calculated by regular, tested code — not guessed by the AI.
Yes. On iPhone, it's free on the App Store (search "Montra Money"). On Android, open montramoney.ca in Chrome and tap "Add to Home screen" so it opens like an app. With a Canadian number, you can also log by plain text message from any phone.
Set your currency in Settings — CAD, USD, EUR, GBP, AUD, INR, JMD and more.
Email support@montramoney.ca — a real person reads every message. You can also send feedback from Settings in the app.
Make an account, log your first coffee, and see where your money goes. Free during early access.