Real net worth
Assets minus debts, live — cards in COP and USD side by side, no mental math.
Your money, minus the busyworkTalk to your money.
Talk to your money.
It answers.
Budget, net worth, debts and goals in one place that logs itself — and answers from the assistant you already chat with.
Never moves moneyReversible & auditedCOP + USD
Good morning, Walt
Net worth
$187.4M
▲ +$4.2M this month
Projected left over · June
$3,120,000
“What can I afford this month?”$3.1M free after bills — the trip fund can take $800k.
Talk to your money
You mostly won't open the app. You'll just ask.
Monetario is a connector for the assistant you already use. Add it once in Claude or ChatGPT, then run your money by chatting — no dashboards to learn, no forms to fill.
It reads your real numbers, records the bookkeeping, and answers in plain language. It can never move a peso.
Reconcile June and tell me where the trip fund stands.
Done — here's June across your accounts:
Logged $680,000 across 14 transactions from your bank alerts
Marked predial (property tax) paid — recorded, no money moved
Trip fund is 72% funded → on pace to finish by Nov 18
Everything above is reversible.
Can we afford to add to the trip this month?
Yes — you've got $3,120,000 free after every bill. Adding $800,000 keeps you at a healthy 20% savings rate. Want me to earmark it?
Message Claude…
It logs itself
Every purchase, logged the moment it happens.
Your bank already emails you when you spend. Connect that inbox once and each alert becomes a ledger entry in real time — on any card, in pesos or dollars. No typing, no receipts, no Sunday catch-up.
Read-only · you stay in control · turn it off anytime.
Bancolombia · purchase alert11:42 a.m.
Éxito · Groceries logged−$52,400
When it's time to go deep
Big decisions deserve the full picture.
Day to day, you'll just chat. But when you're weighing a debt payoff, reading the balance sheet, or watching net worth over years — open the desktop workspace built for exactly that.
- Avalanche vs snowball payoff, side by side
- Net-worth trend, assets vs liabilities
- Every currency, reconciled to base
Net worth
$187,420,000 COP
6M1Y
Savings rate
24%
Debt-service
18%
Runway
5.2 mo
One app, your whole picture
Everything money touches — connected and current.
Net worth, budget, debts and goals move together — in real time, in the currencies you actually hold.
A living budget
Plan versus real, updating as money moves. Know where you stand mid-month.
Debts made clear
Every balance, rate and due date in one view — with a real path to paying it off.
Goals that arrive
The trip, the cushion, the down payment — with the exact date you'll get there.
Payment reminders
Calm nudges before a due date — and “mark paid” only records state, never sends.
Multi-currency, honest
Foreign spend stays native until settled; FX realized at payment, roll-ups in base.
Built on trust
Your money stays exactly where it is. Your data stays yours.
The worst Monetario can do is record a bookkeeping note you can undo.
Never moves money
No transfer, pay or trade capability exists — not for you, not for the AI. “Mark as paid” sets state; it never sends a cent.
Reversible & audited
Every change is written to an audit log and can be undone. Nothing is silent, nothing is permanent.
Your data is yours
Sensitive details encrypted at rest and never logged. You decide what's connected, and can disconnect anytime.
Connecting your inbox is optional and read-only
If you turn it on, Monetario reads only your bank's transaction-alert emails — never the rest of your mail — and can't send, delete or change anything. Use of Google APIs follows the Google API Services User Data Policy, including Limited Use.
Give your household's money a calmer home.
Sign in with Google, connect your assistant, and bring the whole picture together. Free to start, yours to leave.