Your safe-to-spend number—in about 2 minutes.
Upload your credit card statement as a PDF. Moniova reads it and shows whether your pace is safe.
Free during beta · No bank connection · Your data stays private
Most people see their number in under 2 minutes.
Three things your statement never tells you
Where did it all go?
Another month, another blur of spending with no clear picture.
Can I afford this?
Will you regret this purchase next week when the bill arrives?
The bill surprise
Why does your credit card statement always catch you off guard?
Here is how it works — 3 steps, under 2 minutes
Drop your PDF — done in seconds
AI reads every transaction
See your safe-to-spend number
How It Works
Drop your PDF — done in seconds
No bank connection, no manual entry. Just upload your credit card statement.
AI reads every transaction
Moniova extracts and categorizes your spending automatically.
See your safe-to-spend number
Know exactly how much you can spend for the rest of the month.
Built for your privacy
No bank connection
Moniova never connects to your bank or accesses your accounts.
Your data stays private
Uploaded statements are encrypted and processed securely.
Free during beta
Full access. No credit card required to sign up.
Common questions
Stop guessing. Start seeing.
Upload one statement. Know where you stand. Under 2 minutes.
Beta access is currently open.