Your Money,
Your Intelligence.
Enterprise-grade personal wealth management powered by 12 on-device AI models including the Needle 2 agentic Copilot. Autonomous SMS auto-import, natural voice expense logger, and smart receipt scanner — protected with SQLCipher 256-bit AES database encryption at rest.
Designed for privacy.
Engineered for effortless control.
Every single tool you need to track, optimize, and protect your wealth — functioning seamlessly offline without exposing your personal financial life.
3-Tier AI Categorization
A cascading machine learning pipeline: On-Device TFLite (LiteRT 1.4.0) processes transactions locally in milliseconds, falling back to deterministic regex rules, and serverless Cloud Gemini only on demand.
Autonomous SMS & Push Auto-Import
Background isolate with intelligent noise & promotional offer filtering (ADR-012) and a persistent 30-second sliding deduplication window. Extracts amounts, merchants, and reference IDs without manual typing.
AI Powered Receipt Scanner
Point your camera at physical bills. A 4-channel image quality auditor analyzes blur, lighting, skew, and crop before on-device OCR extracts line-item totals and merchant details.
Natural Voice Expense Logger
Log expenses naturally by talking: "Paid 350 for groceries at Nature's Basket via UPI". BiLSTM NER extracts intent, amount, and category instantly with one-tap express confirmation.
Spending Anomaly Detector
An on-device autoencoder model analyzes your historical spending curves to detect unusual transaction spikes, double-swipes, or suspicious recurring price increases.
Field-Level 3-Way Merge & Sync
Batched synchronization queue with CRDT property-level 3-way merge conflict resolution, tag set unioning, and SQLCipher 256-bit AES encrypted local Drift SQLite database.
On-Device AI Copilot
A tool-using agentic assistant (Needle 2, 13.1 MB) that answers budget and spending questions in plain language — including Hinglish, Kanglish, Tenglish and Tanglish — with zero cloud calls.
Budgets, Goals & Subscriptions
Smart budget recommendations, savings-goal predictions, recurring-subscription auto-detection, and an in-app math keypad that evaluates split-expense formulas inline.
12 AI Models.
13.9 MB Total.
Zero bytes ever leave your phone.
Monito contains a state-of-the-art machine learning stack running entirely on your mobile device processor. Zero cloud processing is required for transaction categorization, receipt quality audits, natural voice understanding, or anomaly detection.
Tensor computations execute in dedicated background isolates (MlIsolateWorker) to ensure a silky-smooth 120 FPS frame budget without ever locking the UI thread.
Your financial life belongs to you.
Never sold. Never harvested.
Unlike traditional fintech apps that monetize your personal transaction history, Monito is engineered from day one with banking-grade cryptography and 100% offline data integrity.
SQLCipher 256-bit AES Encryption
Your local SQLite database is encrypted at rest using 256-bit AES keys generated in the device Hardware Keystore or Apple Secure Enclave.
Device Integrity & Root Detection
Continuous asynchronous auditing of OS security layers warns you if operating system root or jailbreak vulnerabilities are detected.
GDPR & CCPA Data Portability
Full one-tap encrypted ZIP data export and irreversible "Type DELETE to confirm" account and database erasure.
Fail-Closed SPKI SSL Pinning
All optional cloud synchronization requests are locked with SHA-256 certificate hashes, completely blocking Man-in-the-Middle network snooping.
Take total control of
your financial destiny.
Available on Android and iOS. Experience the world’s most advanced offline-first, AI-powered money management system.
