Stop guessing.Stay in control.
Plan & reduce outstanding debts, monitor & record recurring bills, watch savings pots grow & more — all in one quiet, private & secure dashboard.
- Free plan option
- No banner ads
- Switching links on every plan
- Bank feed (Pro)
- Household linking (Pro)
- Personal coupons bin (Pro+)
Debt-free countdown
8 months sooner by rolling payments on
Savings deposit
+£50 to Rainy-day fund · £640 of £1,000
Bill recorded
Energy £112.00 · paid before payday
Example figures · illustrations only
How it works
Set up in two minutes
Add your details
Pop in your bills, cards and loans by hand, or use the bank feed on Pro.
See the full picture
Watch your debt-free countdown, bill calendar and what's left each month.
Clear it faster
Use avalanche or snowball plans, haggle letters and smart savings to speed up.
Take a look
See Monovo in action
Tap through the screens you'll use every day.
See an estimated debt-free date, and how rolling payments on gets you there sooner.
Example figures for illustration only.
Good evening
Sam
Sat, 17 Oct
● Manual mode
Net position
-£10,170.00
DEBT
£11,600.00
UNPAID
£112.00
SAVED
£1,430.00
38%PAID OFF
DEBT-FREE COUNTDOWN
3 yrs 1 mo
37 payments · free by Nov 2029
Rolling payments on saves an estimated 3 years vs minimums only.
Five minutes a week.
A calmer month.
Features
Powerful tools to take back control
Everything you need to master your monthly cash flow in one place.
Debt payoff engine
Avalanche, snowball and minimums compared, with estimated payoff dates.
Bills that reset
Monthly bills reset, overdue ones flag and price rises get spotted.
Savings goals
Up to 3 goals on Free; unlimited goals and challenges on Pro.
Switching & deals
Energy, broadband, TV and mobile comparisons on every plan. Partner links labelled Ad.
AI money coach
Suggestions, weekly plans and monthly reviews. General guidance, not advice.
Household sharing
Share bills, savings and joint debts with your partner.
Haggle letters & coupons
Ready-to-send letters to cut bills, plus your saved voucher codes.
Health dossier & benefits
A downloadable PDF of your finances and a benefits checker.
Pricing
Choose your plan
Switching links are included on every plan. Paid plans add tracking and extra tools.
Free
forever
- No banner ads
- Switching & deals · always available
- Debt payoff planner
- Bills calendar & reminders
- 3 savings goals & 3 budgets
- Full CSV export
- Achievements
Pro
/mo for 6 months, then £5.99/mo
- Everything in Free
- Unlimited goals & budgets
- Bank feed (1 connection)
- AI money coach & reviews
- Renewal Radar & optional renewal emails
- Savings challenges
- Household sharing (2)
- Forecasts, bookkeeping round-ups & reports
Pro+
/mo for 6 months, then £7.99/mo
- Everything in Pro
- Unlimited bank connections
- Personal coupons bin & published deals
- Personalised haggle letter templates
- Benefits checker
- Financial health PDF
- Quarterly spending review
- Household up to 8
One 7-day trial per eligible account. Paid trials require a payment method and renew automatically unless cancelled. The annual launch discount is measured against the standard annual rate, not the monthly launch price. New account registration is currently closed while Monovo is being tested.
Security
Your money stays yours
Built with privacy first, from day one.
No banner ads or ad networks. On every plan.
No banner ads, no ad networks, no tracking pixels in Monovo, no selling your data. We earn from optional subscriptions and may earn commission through clearly labelled partner links.
Read-only
Bank feeds are read-only. Monovo cannot move or withdraw money.
Encrypted
All data is encrypted in transit and at rest.
Account-protected
Your records are protected by account access rules. Chosen household items are shared only with your household; authorised support access is restricted.
UK GDPR
We never sell your data. Erase it or close your account anytime.
No readable passwords
Passwords are hashed, never stored in a form we or anyone else can read.
On-device reports
Your health dossier PDF is built on your device and never uploaded.
Take Monovo everywhere
Works like an app on your phone — no app store needed.
- Android: open in Chrome → ⋮ menu → Install app
- iPhone: open in Safari → Share → Add to Home Screen
Scan with your phone camera
FAQ
Questions, answered
Join Monovo
Follow along and share the word
Real money tips, app updates and behind-the-scenes from the team building Monovo.