Secure by design
Authentication and user-level data access controls.
AI-powered personal finance
Your money deserves a smarter home.
Muna Money brings accounts, expenses, debts, goals and decisions into one beautiful platform — so you always know where you stand and what to do next.
All-in-one
Accounts & expenses
AI-guided
Smart decisions
Free
To get started
Private by design — your data is only visible after you sign in.
Good morning
Financial overview
Total balance
AED —
Cash flow
+ Calculated
Health score
On track
Card payments
Upcoming
AI financial insight
LiveWhat should I do next?
Muna Money highlights your next best action once your accounts are connected.
Recent activity
- Add your first transaction
- Connect an account
- Dashboard ready
Your data stays private
Financial data is only visible after sign-in.
Multi-currency ready
Track original and converted amounts.
Built for decisions
Insights focus on what to do next.
Problem and solution
Personal finance should explain what is happening, not just store transactions.
Muna Money turns financial activity into clarity, early warnings and practical next actions.
Everyday money problems
Money is spread across accounts, cards and wallets.
Credit card bills and EMI dates are easy to miss.
Spending patterns are hard to understand in time.
Major purchases feel uncertain before committing.
Shared expenses become messy across groups.
Generic advice ignores personal circumstances.
Muna Money becomes your financial command centre.
It connects accounts, transactions, credit commitments, shared expenses and goals into one decision-focused experience. The goal is simple: understand your financial situation and know the next best action.
Clarity
Built from real user data.
Warnings
Built from real user data.
Actions
Built from real user data.
Built for Every Financial Journey
Whether someone is managing their first salary, supporting a family, reducing debt or building long-term wealth, Muna Money adapts to their financial journey.
Individuals
Families
Professionals
Students
One platform
From first paycheck to long-term wealth — structured for every stage.
Students, freelancers, families and entrepreneurs all get the same clarity — tailored to how they actually manage money.
Freelancers
Entrepreneurs
International users
Everything Your Financial Life Needs
One organised system for money management, planning, collaboration and intelligent decision support.
AI Financial Copilot
Ask plain-language questions and get explainable guidance from your own financial picture.
Smart Dashboard
See available money, safe-to-spend, cash flow, debt pressure and urgent actions first.
Credit Card and EMI Manager
Manage cards, EMI commitments, due dates, utilisation and repayment priorities together.
Shared Expenses
Create groups, invite members, split expenses and settle balances clearly.
Decision Maker
Evaluate purchases, loans and financial choices before committing.
Savings and Goal Planner
Plan emergency funds, travel, education, vehicles, property and other goals.
Cash Flow Forecast
Understand whether your money can cover upcoming commitments and planned savings.
Global Currency Support
Track original and converted amounts across multiple currencies and accounts.
Financial News and Insights
Stay aware of relevant financial context without mixing news into personal calculations.
Coming Soon
Secure Document and Statement Analysis
Preview statement imports, validate extracted rows and approve changes before saving.
AI Intelligence
AI That Helps You Decide What Comes Next
Most finance applications only tell users where their money went. Muna Money is designed to help users understand what happened, why it matters and what they can do next.
AI readiness
Muna Money generates insights only from authenticated user data, after enough account and transaction history exists.
Discover AI IntelligenceAsk Muna
Can I afford a new laptop next month?Why did my spending increase?When will I become debt-free?How much can I safely save?Which credit card should I pay first?
AI response preview
Based on your cash flow, upcoming payments and savings goal, the safest next step is to protect obligations first, then reduce flexible spending before increasing savings.
Evidence shown: income, expenses, upcoming obligations and data limitations.
Spending Pattern Analysis
Cash-Flow Forecasting
Financial Risk Alerts
Personalised Recommendations
Make Major Decisions Before They Become Major Commitments
Decision support
Questions Muna Money helps explore
Can I afford this home?
When can I buy this vehicle?
Should I pay cash or use finance?
How will this purchase affect my savings?
Can I take this loan without cash-flow pressure?
How long will it take to reach my goal?
Decision comparison
Current position
Calculated from user-entered data.
Proposed decision
Calculated from user-entered data.
Monthly impact
Calculated from user-entered data.
Risk level
Calculated from user-entered data.
Estimated goal delay
Calculated from user-entered data.
Suggested action
Calculated from user-entered data.
Bring Every Credit Commitment Into One View
Manage multiple credit cards, outstanding balances, credit limits, utilisation, due dates, minimum payments, interest rates, instalment plans, EMIs and repayment priorities.
Credit intelligence
See utilisation, due dates and repayment pressure — before they become problems.
One consolidated view for every card, EMI and instalment plan you manage.
Credit cards
All cards in one dashboard
Utilisation
Track limits and exposure
Due dates
Never miss a payment
Repayment plans
Prioritise what to pay first
Understand Your Financial Position at a Glance
Financial Health Score evaluates savings consistency, debt burden, credit utilisation, emergency liquidity, spending stability, goal progress and payment behaviour.
Score unavailable until enough data exists
Add income, expenses, assets, liabilities, savings and goals to unlock the score. Muna Money does not display random or fabricated scores.
Start Building a Clearer Financial Future
Create your account
Add your financial information
Understand your complete position
Receive insights and take action
Built Around Your Privacy
Users retain control over their financial information. Access is protected through authentication, private financial data is isolated by user-level database policies, and security controls will continue to evolve as the platform grows.
Your data stays yours. Authentication and row-level security keep financial records private.
Learn About SecurityAuthentication
Secure sign-in for every session
Isolation
User-level database policies
Evolution
Security controls that grow with the platform
Mission, Vision and Purpose
Mission
To empower people with intelligent financial tools that simplify money management, improve financial wellbeing and support better decisions throughout every stage of life.
Vision
To become the world's most trusted AI-powered personal financial operating system, enabling people everywhere to manage, understand and improve their financial futures.
Purpose
To make financial intelligence accessible by transforming complicated financial information into clear, personalised and practical guidance.
Our Founders
Meet the people behind Muna Money
Muna Money was founded with a shared belief that managing money should be simpler, more intelligent and accessible to everyone. We are building a global financial platform that helps people make confident decisions about their money.
Co-Founder & CEO
Shuvam Subedi
Shuvam Subedi is a finance professional and entrepreneur based in Dubai. With experience in accounting, taxation, financial advisory and business analysis, he founded Muna Money to transform personal finance from passive expense tracking into an intelligent decision-making experience.
Co-Founder
Manjila Ojha
Manjila Ojha supports Muna Money's mission of making personal finance simpler, more human and accessible. She contributes to the company's customer-focused vision, brand development and the creation of an experience designed around real financial needs.
"We started Muna Money because financial clarity should not be limited to experts. Our goal is to give every person the intelligence, tools and confidence needed to build a stronger financial future."
What Guides Us
Trust
We build products that users can rely on with their most personal financial information.
Simplicity
Financial management should be understandable, practical and easy to use.
Intelligence
Technology should produce useful decisions, not just more data.
Transparency
Users should understand how financial insights and recommendations are produced.
Inclusion
Financial intelligence should be accessible across income levels, countries and backgrounds.
Progress
Every feature should help users move towards a stronger financial future.
Designed to Grow With Your Financial Life
Current and near-term
Personal finance management, Shared expenses, Credit management, AI insights, Goal planning, Decision Maker, Statement analysis
Future planned capabilities
Planned FeatureOpen banking, Investment tracking, Insurance planning, Retirement planning, Tax planning, Family finance, Financial education, International money management
Frequently Asked Questions
What is Muna Money?
Muna Money is an AI-powered personal financial operating system for managing, understanding and planning personal finances in one place.
Is Muna Money a bank?
No. Muna Money is not a bank and does not hold deposits or provide regulated banking services.
Does Muna Money provide financial advice?
Muna Money provides informational insights and planning support. Users remain responsible for financial decisions and should seek qualified advice for high-impact matters.
Can I manage multiple credit cards?
Yes. The application includes credit management tools for cards, utilisation, due dates, repayments and related commitments.
Can I share expenses with family or friends?
Yes. Shared expense groups, invitations, balances and settlements are part of the current platform direction.
Is Muna Money available worldwide?
The product is being designed for international users, with availability and localisation expanding over time.
How is my information protected?
Private dashboard data is protected by authentication and user-level database access controls. Security practices will continue to evolve as the platform grows.
Is Muna Money free?
A Free plan is planned for individuals starting their financial journey. Paid plans are marked Coming Soon until final pricing is confirmed.
Can I upload bank statements?
Statement upload and analysis are planned capabilities and should be treated as Coming Soon where not fully operational.
Can Muna Money help me plan a major purchase?
Yes. Decision Maker is designed to help users evaluate affordability, cash-flow pressure, savings impact and goal timing.
Your Financial Future Deserves a Better System
Bring your spending, savings, debt, goals and financial decisions into one intelligent platform.
Ready to get started?
Create a free account and build your financial picture from real data — not placeholders.