3 cards, 20 services, and you're not sure what charged where last month. MONIQO maps every digital obligation to its payment source — with upcoming dates, spending limits, and 30-day forecasts.
Most people have 8–15 recurring payments. The real cost is not knowing what renews next — and where.
You don’t connect bank accounts. You track it privately.
Six visible services before annual renewals and installments.
Dashboard, subscriptions, timeline, and analytics — designed for speed and clarity.
MONIQO turns scattered subscriptions, installments, cards, and currencies into one calm monthly picture.
Upcoming, paid, skipped, and overdue items stay in one chronological view.
Filter personal and business plans, find duplicates, and keep the catalog tidy.
Break spending down by category, currency, and personal vs business.
Every subscription has its own billing cycle, status, notes, and source.
Limits turn recurring charges into something you can review before the month runs away.
From upcoming charges to subscription details — built for clarity at every step.
Most people only realize how much they’re spending after the charge hits.
“DGTL*CREATIVE” — a mystery line in your statement. Five minutes later you finally realize it’s Adobe.
$299 hits your card. You forgot the plan renews annually. No warning. No refund. Just gone.
Spotify. Apple Music. YouTube Premium. All active. You meant to keep just one back in January.
Business card or personal? You let autopay sort it out. Your accountant doesn’t find that funny.
You said that in March. Then again in April. It’s still charging. And the cancel button takes four clicks to find.
You made one. But spreadsheets don’t remind you about renewals. They don’t warn about charges. And to check anything — you still have to open it.
Subscriptions scatter across multiple cards. Annual plans renew silently. You pay for services you forgot about — and only notice after the money is gone.
MONIQO maps every obligation to its payment source, shows upcoming charges for the next 30 days, flags potential spending risks, and highlights where you can cut unnecessary costs.
All product names, logos, and brands are property of their respective owners. Use of these names and logos does not imply affiliation or endorsement.
Subscriptions, installments, payment sources, forecasts, and spending intelligence in one place.
Keep all your subscriptions organized in one place.
Know exactly when your next payment will happen.
See your most expensive services, detect duplicates, and spot unused subscriptions. Know exactly where to cut.
Separate personal and business subscriptions.
Track in USD, EUR, GBP, RUB, TRY — and more.
Subscriptions, installments, fixed-term loans — every recurring digital commitment tracked in one place.
Map each service to its card or account. See the total load per source and spot what's over-committed.
A real-time score of your digital spending load — with limits per source, risk warnings, and savings opportunities.
A simple flow that turns recurring chaos into a clear system.
790+ catalog: tap a category, pick a service, set cost and billing cycle.
Card, bank or cash — label it, add last4. See exactly what's paying what.
Rolling 30-day calendar + live monthly total. Zero surprises.
Your spreadsheet doesn't know when Netflix renews, which card it charges, or that you have a forgotten $29.99 annual plan. MONIQO does — built for entrepreneurs, developers, and freelancers managing 10–50+ digital services.
Entrepreneurs · Developers · Freelancers · Power users
14 days free. No credit card required.
Full Premium access from day one. No credit card needed.
Includes a 14-day free trial.
14-day money-back guarantee. No questions asked.
No bank credentials. No marketing SDKs. No data brokers. What you track in MONIQO stays in MONIQO — scoped to your account, invisible even to us.
We do not sell, share, or license your data to advertisers, marketing platforms, analytics vendors, or data brokers. Your subscription habits are private. We built MONIQO because we were tired of apps that treated financial data as inventory. Yours stays yours.
Every obligation tracked. Every renewal in view. Zero surprises.
