How to use Monovo
Ten short walkthroughs for the things people use most. Walkthroughs 1–5 cover the everyday basics; 6–10 go a little deeper. Take them one at a time — there's no rush.
Walkthrough 1 of 10
Add a bill by snapping a photo
- 1Open Bills and tap the bill scanner.
- 2Take a photo of a paper bill, or pick a screenshot or PDF.
- 3Check what Monovo read — provider, amount and due date — and fix anything that looks wrong.
- 4Tap save. The photo isn't kept, and blurry scans that can't be read don't use up your allowance.
Bills
Sat, 17 Oct
● Manual mode
Photo discarded after reading
Walkthrough 2 of 10
Avalanche or snowball: pick a debt plan
- 1Add each debt with its balance, interest rate (APR) and minimum payment.
- 2Open the payoff plan on the Debts page.
- 3Avalanche pays the highest interest rate first — usually the cheapest overall.
- 4Snowball pays the smallest balance first — quicker wins to keep you motivated. Either beats minimums only.
Debts
Sat, 17 Oct
● Manual mode
Total owed
£11,600.00
Walkthrough 3 of 10
Organise your Home screen
- 1Tap the arrow next to any section title to fold it down to a single line. Tap again to open it.
- 2Tap ⚙️ and choose Rearrange to move sections up or down.
- 3Sections with nothing to show, like Needs attention, hide themselves until they're needed.
- 4The same works on Bills, Debts and Savings, and your layout is remembered on this device.
Good evening, Sam
Sat, 17 Oct
● Manual mode
Walkthrough 4 of 10
Safe to spend until payday
- 1Add your take-home pay and payday in Settings (or during setup).
- 2Add your bills and budgets so Monovo knows what's already spoken for.
- 3Home shows what's left per day until your budget resets.
- 4Choose calendar month or payday cycles in Settings — whichever matches how you get paid.
Good evening, Sam
Sat, 17 Oct
● Manual mode
Safe to spend
£46 a day
until your budget resets on the 28th
Walkthrough 5 of 10
Sort your bank feed in one tap
- 1Connect your bank from Bank feed (Pro). It's read-only — Monovo can't move money.
- 2New payments wait in a list until you sort them.
- 3Tap where each belongs: bill, subscription, debt, savings or spending.
- 4Sorted one wrongly? Unsort it and pick again — balances are only counted once.
Bank feed
Sat, 17 Oct
● Manual mode
Walkthrough 6 of 10
Start a savings goal
- 1Open Savings and tap New goal.
- 2Name it, set the target and pick how much you'll set aside each month.
- 3A progress ring shows how far you've come and an estimated finish date.
- 4Your rainy-day fund can follow a real savings account balance when you connect your bank (Pro).
Savings
Sat, 17 Oct
● Manual mode
Total saved
£1,430.00
Holiday
£380.00 of £1,000.00 · 38%
£50 a month · done by Sep 2027
New goal
Walkthrough 7 of 10
Add a debt and see what's left
- 1Open Debts and tap Add a debt.
- 2Enter the balance, the interest rate (APR) and the minimum payment.
- 3Monovo works out roughly how many payments are left and your debt-free date.
- 4Add the payment date and it appears on your bill calendar too.
Debts
Sat, 17 Oct
● Manual mode
Credit card
£4,820.00
Card · 29.9% APR · min £150/mo
~65 payments left
Due on the 12th
Add a debt
Walkthrough 8 of 10
Set a budget that fits your month
- 1Open Budgets from the More tab.
- 2Pick a category — like groceries or fuel — and set a monthly amount.
- 3A progress bar shows what you've spent and what's left for the month.
- 4Turn on rollover if you want unspent money carried into next month.
Budgets
Sat, 17 Oct
● Manual mode
Groceries
£180 / £300
£120 left · 15 days to payday
Fuel
£45 / £120
Rollover on · £15 carried from last month
Walkthrough 9 of 10
Ask the AI money coach
- 1Open AI coach from the More tab.
- 2Ask about your own figures — debts, bills, budgets or savings.
- 3It only ever sees the numbers you've added, not your identity or account details.
- 4The suggestions are general guidance, not regulated advice — you stay in charge.
AI coach
Sat, 17 Oct
● Manual mode
Automated suggestions · not regulated advice
Walkthrough 10 of 10
Catch contract renewals early
- 1Add an end date to a bill — like a mobile contract — and Renewal radar starts watching it.
- 2When a contract is close to ending, Home flags it before the price jumps.
- 3Open the suggestion and the Switching & deals hub shows what to check.
- 4Nothing is switched for you — you decide, and Monovo never takes a cut.
Good evening, Sam
Sat, 17 Oct
● Manual mode
£24.00/mo — out-of-contract prices are usually higher
Check what to compare before your contract ends — energy, broadband and mobile.
Take it at your own pace
You don't need everything set up on day one. Add one bill or one debt, come back tomorrow, and build from there. You can replay the welcome tour any time from Settings → Appearance.
Browse the money guides for plain-English help with debts, bills and savings.
Got an idea for a walkthrough that isn't here? Tell us.
Keep your next step manageable
These guides are general education, not personal financial advice. Check your lender’s statements and terms before changing payments. If essentials or repayments are unaffordable, get free debt help rather than borrowing more.
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