Build my snapshot
A 10-minute monthly money check-in

See where your month goes, then pick one next step.

See what comes in, where it goes, and what one useful next step could be. Build a monthly snapshot without connecting a bank. Your numbers are only shared if you choose an AI feature.

Build my money snapshot  →Free planner · Private by design · No account needed
✓ No bank connection
✓ Numbers stay in your browser unless you use AI
✓ Works on phone or computer
✓ AI prompt when you want another perspective
Simple monthly plans

Choose the support that fits your month.

Start with the essentials, then add more guidance when you need it.

Preview pricing · checkout is not live. The checked features describe the proposed plans. Basic tools are free to try today; Pro's AI tools need a Pro license. Every plan is planned to include a 1-month free trial that requires a card up front, with no charge until the trial ends. Because checkout is not live, no card is collected and nothing is charged today. Features marked “Planned” need development before launch. No charge will be made from this page. Already a subscriber? Log in or manage or cancel your plan.

Basic

A calm, simple monthly check-in with the essentials.

$4.99per month

1 month free, then $4.99/month. Card required.

Start 1 month free →or try the free planner
  • Monthly income and spending snapshot
  • Add and edit income sources and spending categories
  • Upcoming bills with due dates and monthly total
  • Debt overview with balances, APRs, and minimums
  • Savings buffer and one optional savings goal
  • Guided next steps and quick money guides
  • Private saving in this browser
  • Print or save a snapshot
  • No bank connection required

Core tools are in the current planner · paid access is not active.

BALANCED PLAN

Pro

More ways to compare options and stay on track.

$9.99per month

1 month free, then $9.99/month. Card required.

Start 1 month free →or try the free planner
  • Everything in Basic
  • AI money coach and AI expense quick-add Available in this preview.
  • AI investing explainer: time horizon, risk and fees in plain language Educational only, not investment advice. Available in this preview.
  • What-if planner for testing income and expense changes
  • AI prompt builder Review and copy a prompt; nothing is sent automatically.
  • Compare debt payoff approaches Planned · needs payoff comparison logic.
  • Monthly progress and trend history Planned · needs account-based storage.
  • Bill due-date reminders Planned · needs account and notification setup.
  • Downloadable monthly reports Planned · print is available; data export needs development.
  • More planning categories and scenarios Planned · expanded comparison tools.

Some Pro extras are planned · paid access is not active.

Premium

A fuller money workspace with personalized support.

$14.99per month

1 month free, then $14.99/month. Card required.

Start 1 month free →or try the free planner
  • Everything in Pro
  • Account sync across devices Planned · needs sign-in and backend storage.
  • Opt-in AI monthly review and action ideas Planned · needs an AI service integration.
  • Multiple savings goals and milestone tracking Planned · needs expanded goal tracking.
  • Shared household planning Planned · needs shared account permissions.
  • Personalized bill and goal reminders Planned · needs notification preferences.
  • Yearly money summary and downloadable report Planned · needs history and export features.
  • Personalized dashboard and category views Planned · needs expanded reporting.

Premium extras are planned · not available until built and launched.

Questions

Before you start.

Is the first month really free?

Every plan starts with a free 30-day trial. A payment card is required to start it. You are charged only when the 30 days end, and then once a month until you cancel. Checkout is not switched on in this preview, so no card is collected and nothing is charged today.

How do I cancel?

Choose “Manage or cancel your plan” in the footer or in the Log in popup. It opens a secure page where you can cancel in a few clicks. Cancel before the trial ends and you are not charged. After you cancel you keep paid features until the end of the period you already paid for.

Is my card information safe?

Payments are handled by Stripe, a payments company. We never see or store your full card number.

What do I get for free, and what is paid?

The core planner is free to try. Pro adds the AI features: the AI money coach, AI quick-add and the AI investing explainer. Premium extras are still planned and are not available yet.

Do you connect to my bank account?

No. You type in rough numbers yourself. There is no bank connection and nothing to install.

Do I need exact numbers?

No. Reasonable estimates give you a useful first draft. You can change the figures and rebuild your plan whenever you like.

Where are my numbers stored?

On your own device, in your browser. They are only sent anywhere if you press an AI button.

What happens to my numbers when I use the AI?

Your plan figures, the item names you typed and your question are sent to our server and then to our AI provider, Anthropic, to write the answer. We do not intentionally store them. Please do not type account numbers or other sensitive details. Details are in our Privacy Policy.

Is the AI giving me financial advice?

No. It is educational only and is not a licensed financial advisor. It does not recommend specific investments and cannot predict returns. AI answers can be wrong, and investments can lose value, so consider a licensed professional for big decisions.

Do I need to create an account?

Not for the planner. For paid plans you sign in with the email you used at checkout, and we send you a sign-in link. There is no password to remember.

Which currencies does it support?

You can display amounts in 39 currencies. It changes how amounts are shown and does not convert between currencies.

AI investing · educational

Understand investing before you put money in.

Monvra Pro's AI explains how investing works in plain language, using your own plan. It does not pick stocks, funds or crypto, and it cannot predict returns.

Risk & time horizon

See how your timeline and comfort with ups and downs relate to general approaches, and what each one trades off.

Fees & diversification

Learn why fees and keeping everything in one place matter over many years.

Ready to invest yet?

Checks your plan for a buffer and high-interest debt first, then lists questions for a licensed advisor.

When you click, your answers and plan numbers are sent to Claude to write the explanation. Education only, not investment, tax or legal advice. Investments can lose value and nothing here is guaranteed. Consider a licensed advisor.

Simple by design

From scattered numbers to a next step.

No perfect budget required. Estimates are enough to get started.

01Add your monthly pictureEnter income, spending, savings, and debts if useful.
02See the snapshotReview your monthly picture and any upcoming bills.
03Choose one moveTry a what-if, then choose a next step that fits your plan.
Your private money workspace

Let’s build your snapshot.

Start anywhere. You can leave sections blank.

Money coming in

Use typical monthly take-home amounts. Add more than one income source.

$
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Money going out

Monthly averages are fine. Add the categories that matter to you.

Essential & recurring
Flexible spending
AI quick-add · new

Type your expenses in plain words and AI sorts them into rows. Only the text you type here is sent to Claude.

Debt snapshot

Optional. Enter balances, interest rates, and minimums if known.

Debt payoff estimates are simplified and exclude fees or changing rates. Keep making required minimum payments.

Saved in this browser only. No account or bank connection.

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Your money, made clearer.

Add a few monthly estimates, then build your plan. You can change any number and recalculate whenever life changes.

Your snapshot

Your monthly picture

Monthly income$0take-home estimate
Monthly spending$0essentials + flexible
Room after spending$0before extra goals

Where it goes

Debt snapshot

One-month buffer

Pick one focus

Your next 3 moves

    AI coach · new

    Ask Claude about your plan

    Get a plain-language read on your snapshot. When you click, your listed amounts and item names are sent to Claude to write the answer. Nothing is saved by this page. Avoid account numbers or personal details.

    Or use your own AI assistant

    Copy a prompt instead

    Build a prompt from your snapshot, then paste it into the AI assistant you choose. Nothing is sent from this button.

    Review the text before sharing it. Never include account numbers, passwords, or identifying information. AI can make mistakes.

    Estimates are educational and based only on the numbers entered. This is not financial, tax, legal, credit, or investment advice. Consider a qualified professional for decisions specific to your situation.

    A few more useful ways to plan

    Make the next month feel less mysterious.

    01 · BILL CHECKLIST

    What needs paying, and when?

    Add a few upcoming bills to make due dates easier to see. This list stays on this device.

    No bills added yet
    02 · WHAT-IF PLANNER

    Test a small change before you commit.

    Try an extra monthly cost or income change and see how it shifts the estimate you entered above.

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    Build your snapshot first to try a what-if.
    QUICK GUIDE 01

    When the month feels tight

    First check the math and timing. Which costs are essential? Which bills are due before money comes in? Can you contact a provider early to ask about options?

    QUICK GUIDE 02

    When you have money left over

    Give the remainder a job that fits your priorities: upcoming annual costs, a cash cushion, a goal, or extra debt payments after minimums are covered.

    QUICK GUIDE 03

    When you’re paying down debt

    Keep required minimum payments current. Highest-interest-first can reduce interest; smallest-balance-first can create motivating milestones. Compare based on your situation.

    Built for real life

    A money tool that meets you where you are.

    ↗

    Know your breathing room

    See the difference between listed income and the spending you entered, before making a plan for what’s next.

    ◎

    Make debt less blurry

    See balances, minimums, and rates together. Compare payoff approaches without being pushed into a financial product.

    ✦

    Bring AI in on your terms

    Copy a prompt for your own AI assistant, or use the built-in AI coach on Pro. Nothing is sent unless you press an AI button.

    Early access

    Be first to know when Pro opens.

    Join the waitlist and we will email you once when it opens. You can unsubscribe at any time.

    We use your email only to tell you about the launch. See our Privacy Policy.

    Monvra is a planning aid, not a substitute for advice tailored to your circumstances. Your entries stay in your browser’s local storage unless you press an AI button, which sends your plan figures to write the answer.

    Saved on this device