How Moneta Lend Can Help You 🤝💡
🛠️ Tailored for Every Financial Journey
Got a weakness for a particular store? (Looking at you, Kmart shoppers!) Moneta Lend can keep an eye on your habits and nudge you to rein it in.
Set spending limits, track categories, and let our AI guide you toward smarter decisions—no spreadsheets required
Slash unnecessary expenses and clear your debt sooner
Ready to buy your dream home? Moneta Lend helps you cut unnecessary expenses and track your savings progress, so you can boost your creditworthiness and reach your deposit goal faster
Whether it’s a wedding, holiday, or just an emergency fund, we’ll help you create a plan to stick to your goals.
Planning to refinance your loan? We’ll help you identify areas to trim spending, freeing up extra cash to improve your financial position.
How It Works 🤓
🔗Connect your bank account
to our AI buddy. No judgment…yet.
🤐 Pick your honesty level
from “polite suggestions” to “brutal truths.”
💸 Every time you spend
expect a fun (or savage) notification.
😇 Adjust your habits and save 💸
without feeling too guilty
Predictive Power 🔮✨
Cut down those impulse buys and save up to 60% on your spending! Our AI gently nudges you to rethink that extra-large takeaway order or third pair of sneakers this month.
Unless you’re Jeff Bezos… in which case, we recommend splurging responsibly! 🚀
Download the Moneta Lend App 📱
Stay on top of your spending, track your goals, and let our quirky AI help you build better money habits—anytime, anywhere
Save Up to 60% on Spending 💸
Cut down those impulse buys and save up to 60% on your spending! Our AI gently nudges you to rethink that extra-large takeaway order or third pair of sneakers this month.
Unless you’re Jeff Bezos… in which case, we recommend splurging responsibly! 🚀
As seen on
Beta Version 🚧
Our AI is still a work in progress, which means it’s in Beta right now – but it’s only getting better! We’d love your input as we improve. Try it out, and let us know what you think.
Have feedback or ideas? Fill out this form and help shape the future of Moneta Lend AI! ✍️👇
Your AI CoPilot. Your Rules. 😜
Adjust your AI’s vibe with our honesty scale! Whether you’d like a gentle ‘Nice choice!’ or a playful nudge for that pricey avocado toast 🥑, you’re in control. 💬
Soft & Polite 🔁
🔁 Savage Roast
With AI CoPilot, you set the tone—whether it’s gentle honesty or full-on truth bombs! Here’s a sample of each setting
Level 1: The Gentle Reminder 🌸
Level 5: The Real Talk 😏
Level 10: The Full Roast 🔥
What people say 📣
Your Data, Safe and Secure
We don’t store your financial data. We read and react.
MonetaLend prioritizes your privacy and security, protected by industry-leading protocols and compliant with all U.S. privacy standards. We access your data only with your explicit consent, ensuring it’s used responsibly and never shared without your permission. Trust us to keep your transactions and financial information safe and secure
🔒
Pricing 💸
Everyone’s financial habits are different, so we’ve created two pricing plans for you to pick from. Find the one that fits you best!
FREE 💸
🔗 Bank Integration
Sync your accounts for real-time tracking
🎯 Goals
Set and track basic savings goals
🤖 AI Insights
Smart spending analysis
🔥 Roasts
Get called out for bad spending habits
$4.99/m *🚀
🎯 Extra Goals
Set savings targets per merchant
🔔 Custom Notifications
Personalised spending alerts
👨💼 Connect with a Financial Advisor
Get expert guidance
Fixed pricing is available now, but once variable pricing is ready, we’ll switch you over automatically! If you’re sure you can stick to your budget, the $4.99 plan will be right there waiting for you. 😇
*Note, price in the app is higher than through the web.
FAQ
What is Moneta Lend?
Moneta Lend is an AI-powered budgeting app that helps you spend smarter by tracking your transactions, setting spending goals, and—unlike boring finance apps—roasting your bad spending habits to keep you accountable.
How does Moneta Lend work?
We sync with your bank accounts to analyze your spending in real time. Our AI then provides insights, notifications, and even a bit of tough love to help you stay on track with your financial goals.
Is my financial data secure?
Absolutely. We take data security very seriously. We don't save your transaction data, and we never sell your personal information. Some anonymized data is processed using OpenAI for smarter insights, but your privacy always comes first.
Is my financial data secure?
Absolutely. We take data security very seriously. We don't save your transaction data, and we never sell your personal information. Some anonymized data is processed using OpenAI for smarter insights, but your privacy always comes first.
What makes Moneta Lend different from other budgeting apps?
Unlike traditional budgeting apps that just show you numbers, we actively hold you accountable. Our AI sends real-time spending warnings, goal updates, and humorous roasts to keep you engaged with your money.
Can Moneta Lend help me stop impulse spending?
Yes! If you struggle with swiping before thinking, Moneta Lend is perfect for you. We track your transactions and nudge you when you're close to your budget limit.
Does Moneta Lend connect to my bank?
Yes! We securely connect to your bank accounts to provide real-time tracking and smarter insights into your spending habits.
What happens if I go over my budget?
You’ll get a reality check from our AI (possibly with some light roasting). Plus, we’ll suggest small changes to get you back on track before your finances spiral.
Can I customize my spending goals?
Of course! You can set custom spending limits and savings goals, and our AI will keep you updated on your progress.
How do I get started?
Simple! Download Moneta Lend, connect your bank accounts, and let our AI help you take control of your spending—one roast at a time.
We would like to acknowledge the Gadigal people of Eora Nation, as traditional owners of the ancestral lands on which our premises stand. We recognise Aboriginal and Torres Strait Islanders as the first peoples of Australia and pay our respects to their Elders past, present and emerging.
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