Go to monnetos.com/app and choose to create an account. Enter your email and a password. Then add your first accounts.

Every new account gets 7 days with the Business plan features, and we don't ask for a credit card. When the trial ends, your data stays saved and viewable; to create and edit entries, just pick a plan.

In Accounts, add a new account. Give it a name (for example, “Bank X business”), mark it as personal or business and enter today's balance. You can also add digital wallets and cash. The starting balance is the base for the projected balance.

In Transactions, add an entry and choose whether it's money in or money out. Fill in the amount, date, account and category. Optionally add the contact (customer or supplier), cost center and tags, and attach the receipt. Entries with a future date count toward the projected balance until they're marked as paid or received.

When creating the entry, choose a repeat option:

• Installments: enter the number of payments and Monnetos creates one for each month, as with a purchase split into 10 payments.
• Recurring: for bills that repeat every month, such as rent, subscriptions, salary or a monthly tax payment.

All future months then appear in your cash flow and projected balance.

Yes. Each account is tagged as personal or business, and the Dashboard shows each side's indicators separately. The Personal plan includes personal accounts only; the Business and Business Plus plans include both sides.

OFX and CSV. OFX is recommended because it already includes the dates, amounts and identifiers of each transaction in a standard format. CSV works for banks that don't offer OFX.

The path varies by bank, but it's usually similar:

1. Sign in to online banking (a computer is often easier).
2. Open the account's transaction history and choose the date range.
3. Look for an option like “Export”, “Download” or “Save statement” and pick OFX (sometimes labeled “Money” or “Quicken”) or CSV/Excel.
4. In Monnetos, choose the destination account and upload the file.

If you can't find the option, your bank's help pages usually explain where it is.

No. Duplicate entries are detected and skipped on import. You can import overlapping periods without worrying.

When you import, Monnetos suggests a category for each entry. When you correct a suggestion, it learns from your choice and applies it to similar entries in future imports. Over time, there's less and less to adjust.

Not in this version. Entries come in through statement imports or are added by you. That also means Monnetos has no access to your bank account and never moves money.

It's how much each account will hold on a future date: today's balance plus everything scheduled to come in, minus everything scheduled to go out by then. If it goes negative on some day, you see it ahead of time.

How many months the business's available cash would cover its expenses if income stopped. Example: with $30,000 in cash and $10,000 in monthly expenses, your runway is 3 months.

The monthly revenue that covers all of the business's costs, with neither profit nor loss. Above it, the business makes money; below it, it loses money. See our article with an example.

The share of what should have been received but hasn't come in yet, meaning income entries past their due date that haven't been marked as received. The higher it is, the more it's worth reviewing collections and payment terms.

How much each sale brings in on average, meaning the average value of the payments received in the period. It helps you judge pricing and product mix.

• Emergency fund: how many months of your living costs your savings cover.
• Savings rate: the share of the month's income you kept.
• 50-30-20 rule: how much of your income went to needs, wants and your future, compared with the 50%, 30% and 20% guideline.

These are personal-side indicators and don't mix with the business ones.

Set a monthly limit for the categories you want to watch, such as groceries, restaurants or marketing. Monnetos tracks the month's spending and alerts you when it reaches 80% of the limit and again at 100%.

Create a goal with a name, an amount and, optionally, a deadline, such as “Emergency fund” or “New laptop”. You can see how much you've saved and how much is left.

Yes. You can get reminders for bills coming due and a weekly summary with your key numbers.

Reports by category, cost center and contact, plus the income statement and cash flow. You choose the period: month, quarter or year.

The income statement (called DRE in Brazil) organizes revenue, costs and expenses for a period and shows the result: profit or loss. In Monnetos it's a management report built from your entries, and it doesn't replace official bookkeeping done by your accountant.

The income statement shows whether the business made a profit in the period. Cash flow shows when money came in and went out, and how much will be in the account. A business can be profitable and still run out of cash, so it's worth watching both. Read our cash flow guide.

Income statement and cash-flow reports can be exported to PDF, good for sharing and printing, or to Excel, good if you want to keep analyzing in a spreadsheet.

Invite the person by email and choose their role. They receive the invitation and set up their own login. The Business plan allows up to 3 users; Business Plus, up to 10.

• Admin: full access, including inviting people and changing the plan and settings.
• Member: handles day-to-day work, adding and viewing transactions and reports.
• Accountant: read-only access to entries and reports; can't change anything.

Yes, on Business Plus. Invite them with the accountant role: they can view entries and export reports without being able to change your data.

Yes, on Business Plus, with up to 3 companies in the same account. Each company has its own accounts, categories and indicators, and you switch between them without signing out.

Companies are separate businesses with their own registration and numbers. Cost centers split a single company into departments, stores or projects so you can compare results within it.

Yes, on Business Plus: Brazilian real (BRL), US dollar (USD), Canadian dollar (CAD) and euro (EUR).

Personal (1 user, personal accounts), Business (up to 3 users, 1 company plus personal accounts) and Business Plus (up to 10 users, up to 3 companies, accountant access and multiple currencies). Prices and the full comparison are in the pricing section. On the yearly plan, you pay for 10 months and get 12.

Credit or debit card, Apple Pay and Google Pay, with secure payments processed by Stripe.

Brazilian reais (R$), US dollars (US$), Canadian dollars (C$) or euros (€). You pick the currency when you subscribe.

On the payment screen (checkout), there's a field to enter your coupon before completing your subscription.

Yes, with no fees and no commitment. You keep access until the end of the period you've already paid for. Your data stays available to view and export.

In My account, under Plan and payment, you can change plans, update your card and download invoices and receipts.

In My account, under Security, use the change password option. If you forgot your password, use “I forgot my password” on the sign-in screen.

In My account, under Profile, upload a JPG or PNG image.

In My account, under Your data, you can download your entries as CSV or all your data as JSON at any time, including after you cancel.

In the same Your data area, use the delete account option. Deletion erases your data and can't be undone, so export anything you want to keep first.

The data you enter is yours. We process it only to provide the service, in line with Brazil's General Data Protection Law (LGPD) and applicable privacy laws. You can request access, correction, export or deletion at any time. Details are in the Privacy policy.

Monnetos runs in your phone's browser and can be installed on your home screen, where it opens like an app, without going through an app store. Your data is the same as on your computer.

1. Open monnetos.com/app in Chrome.
2. Tap the menu (the three dots in the top-right corner).
3. Choose “Install app” or “Add to Home screen”.

1. Open monnetos.com/app in Safari.
2. Tap the Share button (the square with an arrow pointing up).
3. Choose “Add to Home Screen”.

Email info@monnetos.com. If you already have an account, you can also use the Help area inside the app, which has a contact form.

Let us know through the form in the app's Help area or by email. If you can, tell us what you were doing and, for a bug, include a screenshot.