Your expenses recorded in real time

OniMoney sorts your expenses automatically so you can just live your life.

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What OniMoney does for you

Goal tracking

Set your savings goals and watch your progress in real time.

Chat AI

Tell Oni about a purchase the way you’d tell a friend, and it’s logged instantly.

Automatic detection

Connect your Gmail and let OniMoney recognize your transactions for you.

Financial insights

Simple guidance so you make better decisions with your money.

Ready to understand your finances for good?

Available on your phone, so logging an expense is as easy as sending a message.

What our users say

Stories from people who stopped losing control of their finances.

  • Finally I understand where my money goes

    I spent years trying to track expenses and always quit after a week. With OniMoney I just write to the chat “I spent 5 thousand on the bus” and it’s logged. It feels less like a chore and more like talking to someone.

    dani_tico95

  • The Gmail integration is really good

    I didn’t expect it to catch my Netflix and Spotify autopay just from reading my email. I had to correct a merchant name once and it learned. 10/10.

    MariaFdez_CR

  • Simple, the way it should be

    I tried about 4 finance apps before this and they all felt like Excel on steroids. OniMoney is the first one I don’t dread opening every day.

    j.arayaa

  • Solid, though a few details still need polish

    The app is well thought out and the chat for logging expenses works great. The only thing is it sometimes takes a bit to categorize transfers between accounts. Even so, I use it every day.

    carlosv_sanjose

  • Great for couples who share expenses

    My partner and I use the family plan and it’s been a total change. We no longer argue over who paid what — the stats make it crystal clear.

    pau.and.eli

  • The stats are addictive

    I never thought watching charts of my spending would feel this satisfying. The breakdown by category and subcategory helped me notice I spend way more on food than on transit.

    gerald_tt

  • Excellent for students

    As a student on a tight budget, this app saved me. I set up weekly “buckets” so I don’t run out of money before the end of the month.

    vale_ucr

  • Easy to use from day one

    The interface is really clean — no hidden menus or complicated settings. In five minutes I had everything set up.

    roy.mora7

  • The chat feels natural, not like a form

    It’s the first finance app where I don’t feel like I’m filling out paperwork. I write like I’d write a friend and the expense is logged.

    kev.alvarado

  • Buckets that last a whole quincena

    I used to blow my paycheck in ten days. Now I set buckets for the quincena and I actually see them before I spend. Not magic — just finally knowing what I have left.

    lucia.cr

  • I log it on the bus and forget it

    I type the expense while I’m on the bus and that’s it. No spreadsheet waiting at home. If I forget, I send it later and Oni still files it.

    andres.quesada

  • Less anxiety, not a miracle

    It didn’t make me rich. It did stop the Sunday-night panic of not knowing if I overspent. I open the app, I see the week, I breathe.

    nati.campos

  • The chat actually gets tico

    I write “me comí un casado de 4 mil” and it lands in food. I don’t have to pick a category like I’m doing taxes.

    pablo.madriz

  • Delivery was eating my month

    The insights showed me how much I was spending on delivery. I didn’t cut it to zero — I just set a weekly cap and stuck to it.

    sofia.vargas_

  • Guidance, not a lecture

    Oni points out patterns so I can decide. It’s not a bank and it’s not telling me how to invest. Just a clearer picture of my own spending.

    marco.guillen

  • Pulpería and streaming in one place

    Cash at the pulpería plus the streaming charges from email. I finally see both instead of only remembering the big ones.

    isa.rojas.cr

  • Set up in a few minutes

    I connected Gmail, sent one chat, and the week started filling in. I’m not a finance person and I didn’t need to be.

    diego.solano

Ready to understand your finances for good?

Available on your phone, so logging an expense is as easy as sending a message.

Join waitlist