Moncass

Early access opens soon, in India

One clean view of every account, and an AI that tells you what's safe to spend today, and whether you can afford that thing.

See the AI coach
  • No passwords, ever
  • RBI-licensed Account Aggregators
  • Read-only access
Moncass Home tab: total balance of ₹84,000 across HDFC Bank and SBI, account cards, ₹4,518 safe to spend today and recent activity

Read-only, through the
Account Aggregator network

HDFC BankState Bank of IndiaICICI BankAxis BankKotak Mahindra BankBank of BarodaPunjab National BankIDFC FIRST BankIndusInd BankYes BankFederal BankUnion Bank of IndiaCanara BankAU Small Finance BankBank of IndiaIndian BankRBL Bank
Moncass AIAnswers from your linked accounts
how much i spend on 11 August
You spent ₹2,150 on 11 Aug across 1 transaction. ₹2,150 Flipkart Order.
See why
Facts usedLeft this month ₹23,800From verified transactionsBills and savings still due −₹14,764From your budgetsDays left until salary 2How it was calculatedSafe to spend today ₹4,518(₹23,800 − ₹14,764) ÷ 2 days
Am I on track for my goal?My balanceWhere did it go?
Ask about your money

The conversation plays by itself. The figures are made up.

It reads your income, bills and goals, then answers the question you actually asked, in plain language, in English or Hinglish.

  • Built from your own numbersEvery answer cites the figures it used.
  • Trade-offs made obviousWhat a yes would cost you, and for how long.
  • Always a clear next stepSomething you can do today, not a lecture.
How the AI coach works

One view of your money, one number for what is safe to spend, and someone to ask.

See all six in detail

Try the maths

Safe-to-spend is not your balance divided by the days left. Bills and the savings you mean to keep come off first, then what you have already spent. Move the sliders and watch where the money goes.

  1. Income
  2. savings you keep
  3. bills already due
  4. spent so far
  5. days left

Runs in your browser. Nothing you enter here leaves this page.

Safe to spend today

₹12,700 left for the month, over 12 days.

₹65,000
₹18,500
₹12,000
₹21,800
12 days

  1. 0:00About 30 seconds

    Sign in with your number

    A one-time code to your phone. There is no password to make up and none to forget.

  2. 0:30About 2 minutes

    Link a bank, or skip it

    Approve access on your own bank’s screen through an Account Aggregator, so answers use your real numbers. Or skip it and add things by hand.

  3. 2:30Every day after that

    Open it each morning

    The day’s number is on Home. Ask the AI whenever a money question comes up.

Access comes through India’s Account Aggregator framework, with your consent, for the period you choose. You can end it from the app at any time.

How we protect it

  • RBI-licensed Account Aggregators

    Data flows only through India’s regulated AA framework, the same rails banks use for consent-based sharing.

  • We never see your password

    Moncass never asks for and never stores your banking credentials. Access is granted by you, through consent.

  • You hold the controls

    See exactly what you shared, and revoke any account or consent whenever you like, in one tap.

  • Skippable by default

    Nothing except login is mandatory. Use Moncass manually first, and connect only when you’re ready.

Be first in when it opens

Leave your details and we will email you once, when early access opens. Nothing else.

Free to start. No spam. Moncass never asks for your bank password.