Budgets that keep score
Each ring fills as you spend and turns red when you go over.- 69%Groceries$188 left$412
- 114%Dining out$36 over$286
NewMonthly stories, on phone and web
The expense tracker that fills itself in.
Merelo reads your bank alerts, receipts, emails and voice notes, sorts them into budgets, and tells you what changed each month. You just confirm.
- Free to start
- 14-day Premium trial
- No card needed
MonzonowYou spent £14.20 at Uber.
LondonGood morning, Sam
Spent this cycle£1,284.60of £1,700
RecentSee all
- Tesco ExpressGroceries08:12£18.40Monzo
- Pret A MangerFoodYesterday£6.95Amex
- TfLTransportYesterday£2.80Monzo
Works with the money messages you already get
- Bank SMS
- Email receipts
- Paper receipts
- Voice notes
- Bank feeds
How it works
Three steps, a few seconds each.
Merelo read this as
- Amount
- $42.18
- Merchant
- Whole Foods
- Category
- Groceries
- Source
- Bank SMS
Review1 of 3
Monzojust now
You spent £14.20 at Uber.
UberTransport£14.20
Budgets this cycle
- 69%Groceries$188 left$412of $600
- 114%Dining out$36 over$286of $250
- 64%Transport$54 left$96of $150
Worth knowingDining is $36 over with 9 days to go. Two dinners at home bring it back.
Features
Everything a budget needs, without the typing.
Bills before they’re due
Rent, phone and subscriptions in one list, with a reminder three days before.- Rentin 2 days$1,450
- Phone planin 5 days$45
- Spotifyin 9 days$11.99
Goals you can see
Set a rule like 10% of salary and watch it fill.62%Emergency fund$3,100 of $5,000 · by March
A story every month
Six slides on what went up, what went down, and one thing to try.What went downDining fell 18% in September.
Shared with family
Up to five people share budgets and bills. Everyone keeps a private view for their own spending.Household · 4 people
Any currency, any country
Amounts follow your local format. Spending abroad converts to your home currency.- USD
- EUR
- GBP
- AED
- INR
- PKR
- SAR
- NGN
- BRL
- JPY
- CAD
- AUD
Phone and web
Add it on your phone. See it on your laptop.
Everything you capture, confirm or edit syncs within seconds. Plan the month on a big screen, log on the go.
ActivitySynced · just now
- Trader Joe’sGroceries · Yesterday$64.12
- SweetgreenFood · Yesterday$15.80
- MTATransport · Yesterday$2.90
Recent
- Trader Joe’sGroceries$64.12
- SweetgreenFood$15.80
- MTATransport$2.90
Privacy and security
It reads transactions. Never conversations.
What Merelo reads
- Payment alerts from the banks and wallets you choose
- Receipts you scan, and emails you forward or connect
- Notes you speak or type into the app
What it never touches
- Personal messages, chats and contacts
- One-time passcodes and login codes
- Photos you haven’t picked, and your location
- Encrypted end to endEntries are encrypted on your device and in transit.
- No ads, everWe never sell or share your data. Merelo is paid for by subscriptions.
- Yours to takeExport everything as CSV, Excel or PDF, or delete your account in one step.
Pricing
Priced where you live.
Free
$0forever
- Manual and voice entry
- One capture source
- Two budgets
- Monthly summary
Premium
Save 33%$39.99per year
- Every capture source
- Unlimited budgets, bills and goals
- Monthly story
- Live sync to Google Sheets
Family
$69.99per year
- Everything in Premium
- Shared budgets and bills
- A private view for each person
Questions
No. On Android it reads only payment alerts from the banks and wallets you pick. Everything else is ignored and never leaves your phone.
Yes. iPhone doesn’t let apps read SMS, so you forward emails or WhatsApp messages, scan receipts, speak or type. Everything else works the same.
Any currency with an ISO code. Amounts follow your local format, and spending abroad converts to your home currency at that day’s rate.
Yes. Anything you add, confirm or edit on one shows up on the other within a few seconds.
The Family plan covers up to five people. You share budgets and bills you choose, and each person keeps a private view.
You get 14 days of Premium without a card. When it ends, pick a plan or stay on Free and keep all your data.
Be first to try Merelo.
Free to start. Premium is free for 14 days, no card needed.