Day20andyoustillknowwhatyoucanspend.
Monaza sets your bills and savings aside the day you get paid — and tells you, every day, what's truly yours to spend. No scares in the last week of the month.
Free to start · Kz, USD, EUR and 60+ currencies
The problem was never earning too little. It's not knowing.
Day 20
That point in the month when checking your balance feels scary — so it's easier not to look.
The first 48 hours
You get paid, and two days later half of it is gone. Nobody stole it — nobody counted it either.
The bill that shows up
Rent, school, insurance. You knew they were coming — but the money was already gone.
You don't need to earn more to feel less squeezed. You need to see your whole month — before it happens.
Free to spend
The day you get paid, Monaza sets aside the bills that are coming and your savings. What's left has a name: free to spend. That's the number you see every day — and it's why spending stops being scary.
One clear number at the top of your dashboard, every day
Upcoming bills stay reserved — you never count on money that's already spoken for
Your savings get protected first, not with whatever's left over
One minute to start. Twenty seconds a day.
Tell us what your month looks like
Salary every month? Irregular income? Living off savings? Monaza builds the plan around your life — not the other way around.
Log spending in seconds
A fast keypad, one-tap categories. Logging a purchase takes less time than paying at the Multicaixa. And you control your data — not a bank, not an algorithm.
Decide with your eyes open
Before you spend, you look at one number. If it's there, spend in peace. If it's not, you found out in time — not on the 28th.
See it for yourself
A month with a salary, or a month living off savings?
Your life isn't a template — some months a salary comes in, some months you live off savings. Monaza asks what this month looks like and builds the right plan for it.
Monaza sets aside bills and savings first — and shows you what you can spend without compromising the rest of the month.
Monaza shows you how far your savings go — and every expense you log updates the answer. No surprises, even with no salary coming in.
8 months · 12 days
Life changed? Answer again and the plan changes with you.
Everything your money does, in one place
From today's expense to tomorrow's net worth — in your currency, always yours.
Find out where it really goes
Expenses organize themselves by category, effortlessly. At the end of the month you don't ask "where did it go?" — you see it. And compare with last month at a glance.
Know how far your money goes
Monaza calculates how long your balance lasts at the pace you're spending. The last week of the month stops being a mystery.
8 months · 12 days
Watch your net worth grow (or warn you)
Banks, cash, investments and debts in a single number: your net worth, always up to date. The progress you can't feel day to day, visible in one chart.
Bills warn you before they arrive
Rent, school, insurance, subscriptions — all in one agenda with monthly totals. You know what's coming and how much is left, before the money runs out.
Track BODIVA in kwanzas
Stocks and Treasury bonds next to your accounts — your money working, visible on the same screen as everything else.
Bring your history with you
Import your bank statement via CSV, the Monaza template or Spendee — and start with months of history, not from zero.
Your stocks, next to your money
More than 15,000 investors already trade on BODIVA. If you're one of them, Monaza tracks your stocks and bonds in kwanzas — BAI, BFA and more — on the same screen as your accounts and the rest of your net worth.
Quotes for your positions, in kwanzas
Treasury bonds next to your stocks
Everything added up in your net worth
If you had invested Kz 100,000 at the market debut
Kz 470 000
+Kz 370,000 · 4.7×
Kz 177 000
+Kz 77,000 · +77%
Based on real BODIVA traded prices (daily volume-weighted average: BAI since 2022-06-13, BFA since 2025-09-30) and August 2026 quotes (BAI Kz 104,000; BFA Kz 109,000). Past performance does not guarantee future returns. Monaza does not provide financial advice.
Your banks, one picture
BAI, BFA, BIC, Atlântico, Standard Bank and more — together with cash, Multicaixa and what you hold elsewhere.
Two styles, the same calm
Classic cobalt blue or the Rose palette — light or dark, always with the same care.
Free while we build it with you
Monaza is in early access: every feature, at no cost. Monaza Premium comes later — and early users get founder conditions.
Kz 0
- Free to spend, every day
- Agenda for regular bills and income
- Net worth and BODIVA investments
- How far your money goes, always up to date
- 60+ currencies, converted to yours
No card, no commitment. When Premium arrives, early users hear it first — with an advantage.
Still have questions?
What is Monaza?
Monaza is a personal finance app that speaks your currency: it tells you what you can spend today without putting your bills at risk, shows where your money goes, and tracks your net worth — in kwanzas, dollars, euros and 60+ currencies.
Do I have to log everything by hand?
You log expenses in seconds with a fast keypad and one-tap categories — under a minute a day. It's a deliberate choice: in Angola banks don't open their data to apps, and with us your data stays yours. People who log, know — and that's why it works.
Does Monaza connect directly to my bank?
No — and that protects you. You add your accounts at BAI, BFA, BIC, Atlântico, Standard Bank or any other bank and log your transactions (or import your statement via CSV). No access to your bank credentials, ever.
How does "Free to spend" work?
The day you get paid, Monaza first reserves the bills that are coming and your savings target. What's left is your free to spend — the number you see every day at the top of your dashboard.
What if I don't get a salary every month?
Monaza was designed for that. Months with a salary and months living off savings get different plans — you say what this month looks like and the app adapts. And if your income is irregular, the plan keeps up.
Which currencies can I use?
You pick your main currency — kwanza, dollar, euro or another — and you can hold accounts in 60+ currencies. Everything is converted to your main currency, in one picture.
Can I track BODIVA investments?
Yes. BODIVA stocks and bonds in kwanzas, alongside your accounts and the rest of your net worth.
How much does Monaza cost?
Right now, nothing — Monaza is in early access and every feature is free. Later on, some advanced features will be part of Monaza Premium (a subscription), and early-access users will get special conditions.
This month can end differently.
Or the same: not knowing where it went, the day-20 scare, promising next month will be the one. One minute to start — before your next payday.
Free in early access · iPhone and Android