Understand income and expenses
Record fixed and variable income and expenses. Your monthly and annual overview helps you see where your money goes.
You don’t have to do everything today. Choose one step.
Moniratio
No bank connection · closed beta · up to 100 testers
Your month.
Your wealth.
Your choices.
Bring income, expenses, assets and debts together. See the room in your monthly plan and your net worth, based on what you record. Start with what matters to you. Moniratio is still in development.
Free beta, by personal invitation. Applying does not start a paid subscription. What does testing involve?
One plan, different perspectives
MY FINANCIAL PLAN
A clear starting point
Available to spend€700.00
After expenses and planned allocations
Income€3,500
Expenses− €1,850
Allocations and plans− €950
See what remains before you spend it.
From today to the goals beyond your next goal.Give your plans a place.
No bank connectionApp account without emailYou stay in controlYour feedback matters
Monthly room What remains after expenses and planned allocations.
Net worth Your assets minus your debts. This is not the amount available to spend today.
Your goals Choose a next step from your plan.
Connect the dots
Your monthly plan.
Your whole financial picture.
A monthly plan shows what comes in and what already has a purpose. Your net worth brings supported account balances, investments and property values together, minus debts. Moniratio helps you see both in context, based on your own information.
Make annual costs manageable
For example, a €600 annual bill averages €50 per month if you have twelve months to set it aside.
From a buffer to property and investments
Work with savings goals and debts, and record property values. Investments and Trading are optional parts you can show or hide independently in your navigation. Look beyond what happens in your bank account.
From your information to your next step.
Record what you know
Add the information you want to follow, or use the available imports. Review what you enter before saving.
Understand the connections
See the room in your monthly plan alongside your assets and debts. You do not have to build the formulas yourself.
Choose one next step
Give a goal a place, adjust your plan or help us test what could be clearer.
Set it up once, repeat less work.
Set recurring items, fixed amounts or percentages and have your planned allocation calculated. Moniratio plans administratively; it does not make payments or investment orders.
Does this sound familiar?
An overview for your situation.
Annual bills are easy to miss
Insurance or maintenance may be paid only occasionally. Review the monthly amount needed to plan ahead.
Your income changes each month
Bring income and recurring costs together and review your available room month by month.
You want investments alongside your monthly plan
You choose which parts to see. Investments and Trading are optional; exchange import is still in development.
You want to plan together
See personal and shared income, expenses and goals together. In Cashflow, choose one person or the whole household and discuss what already has a purpose.
The name
Follow your money.
Understand your choices.
Moni sounds like money and points to monitoring: keeping sight of your finances. The Latin monere, to remind or warn, also fits. Ratio refers to proportions and logic: weighing choices using data and calculations. Together, Moniratio is about following your money, understanding relationships and making considered choices.
Moniratio is a tool for insight, not official personal financial or investment advice. You remain in control of your choices.
Take a look
See Moniratio
in just over a minute.
The demo and screenshots use fictional data. The video narration, captions and app screens shown in the video are in Dutch.
The video also shows ideas for future packages. They are in preparation and there is no active paid checkout.
Your financial starting point
See what comes in and what already has a purpose.
Make your costs visible
Keep regular and less frequent costs together.
Give your plans a place
Build towards a buffer, an annual reserve or another goal.
Real Dutch demo screens with fictional data. Screens may change as the app develops.
Closed beta · up to 100 testers
Start small.
Build together.
We deliberately limit the beta to 100 testers so there is room for your experiences, questions and ideas. Applications are reviewed personally.
What does testing involve?
After an invitation, explore your monthly plan, an annual cost and a savings goal with the test guide. You do not need financial expertise or to move your whole administration. Start with one familiar situation and add only data you want to keep.
- Try one thing, even if it does not work.
- Share one experience: what helped or confused you?
- You choose what to share. Do not send passwords, recovery codes, API keys or private amounts.
- 1
Apply
Choose a username and provide a contact email. Tell us what you want to test or suggest.
- 2
Receive an invitation
Applications are reviewed individually; applying does not create an account or guarantee access.
- 3
Try and give feedback
Create an app account without email and use the test guide. Logbook notes remain private.
Why does the application ask for email?
We use a contact email to respond personally about your test application. It is not a newsletter sign-up. The app account you create after an invitation does not need an email address.
Apply to test Read the test guide
The current application page and demo shown here may be in Dutch.
On your phone too
See the app on a smaller screen.
These mobile screens were captured by Moniratio and are shown in Dutch. Amounts are fictional; the app is in development and screens may change.
More app screens, including mobile
Your monthly plan and goals
See the next step in your monthly plan and find your savings goals and pots.
Goals and pots
See what saving with a purpose looks like on your phone. The amount shown is fictional.
Looking ahead through the year
Review contract dates and the annual overview of planned expenses. The name shown belongs to the maker.
Market scanner in development
This screen uses fictional data. Prices, signals and backtests are not yet usable for financial decisions.
Your data, your choices
Financial clarity.
You stay in control.
You do not need to give bank access to make a plan. Moniratio has no bank connection or general connections to external apps.
Read our privacy informationApp account without email
Use a username and password. A test application separately asks for a contact email.
Your overview is protected
Your financial data is associated with your account, protected by access controls and an HTTPS connection.
No bank access
Enter your data yourself or use the available import options.
Read-only exchange imports
Support varies and is in development. Set exchange API keys to read-only, without trading or withdrawal permissions.
In development, together
Have an idea?
Let us know.
We are looking for people who want to try Moniratio in daily life. What is clear, what is difficult, and what is missing? Feedback helps us decide what to improve.
Your Pilot Logbook stays private. To share feedback, send a short description yourself to support@moniratio.com.
Available to test
The basics
Income and expenses, recurring costs, monthly and annual plans, pots, goals, investments and trading records.
Still developing
Step by step
We are working on usability, exchange imports and market data. Not all exchanges or complete histories are supported.
Who is behind it
Built by Joël Scheffers.
I am building Moniratio because I wanted a more connected view of my own finances. Income, expenses and costs that return once a year all deserve a place in the same overview. Together with testers, I am learning what is clear and what can improve.
Good to know
One more thing.
How much time does manual entry take?
You enter your own information. You could start with fifteen minutes for your income and main regular costs; the time needed depends on your situation. Recurring items do not need to be recreated every month.
Who develops Moniratio?
Moniratio is developed by Joël Scheffers and is still in beta. Testers help us find what works and what could be clearer. See the development updates.
Why Moniratio alongside a budgeting app or spreadsheet?
Bank transactions and separate sheets do not automatically add up to a complete financial picture. Moniratio brings your monthly plan, assets, debts, investments and trading journal together, with help entering information and calculations based on what you record. The tool is still in development. Read why Moniratio looks at the whole picture.
Can I create an account now?
The beta is closed. Apply to test; access follows a personal review and invitation. Applications do not guarantee a place.
What is automated?
You can set recurring items and allocations for your plan. Moniratio does not fetch bank transactions, make payments or place investment orders.
Does my exchange work?
Exchange import is in development and varies by provider; not every transaction or historical period is supported. Use read-only keys and check imports against the source.
Is my data safe?
Your data is associated with your account and protected by HTTPS and access controls. There is currently no bank connection. A direct bank connection and further automation are planned for a later stage, subject to security and privacy conditions. See privacy and data for details and unresolved arrangements.
Are live and historical prices available?
Price coverage is in development. Automatic prices and complete history are not available for every investment.
Can I export or delete my data?
In the app, use Settings → Account and data. Financial exports do not automatically include all personal data in test applications, invitations or emails; those need a separate request.
How do I share feedback?
The Pilot Logbook is private and sends nothing. Use the test guide and send a brief description to support@moniratio.com yourself.
Am I starting a paid subscription?
No. Applying does not start a paid subscription or require payment. Future packages in the demo are still in preparation.
Your experience matters
Help us build
financial clarity.
Up to 100 testers. A personal invitation. Room for your ideas.