Money Map
Bank accounts, savings, credit cards, loans, mortgages, property, pensions, investments and crypto, brought into one connected net worth view instead of sitting in separate provider apps.
About MoniAtlas
MoniAtlas is an AI-first financial clarity platform built around the person, not the account — bringing everyday money, debt, property, pensions, investments, cash flow and goals into one connected, understandable view.
Why MoniAtlas exists
The UK personal finance market is fragmented and largely organised around individual products. Someone might hold a current account, savings, credit cards, loans, a mortgage, a pension and investments across several different providers, and each institution generally only shows the product it manages — never the full picture.
Budgeting apps only partly solve this. Most focus on categorising transactions, controlling costs or short-term spending, and rarely connect everyday cash flow with debt, property equity, pensions, goals and where your finances are actually heading. MoniAtlas exists to turn that scattered picture into one coherent, understandable financial life.
Our mission
To help people understand where they stand today, what is changing, what is coming next, and whether their overall financial position is moving forward — with more clarity and confidence than scattered spreadsheets and disconnected apps allow.
One connected view of your financial life
Rather than another transaction tracker, MoniAtlas is built as a single, connected picture of everything that makes up your finances.
Cash flow planner
See what is coming in, what is going out, and what is left before payday, including a rolling 90-day outlook rather than a single month-end snapshot.
Savings goals
Set a target and a deadline, link it to the account funding it, and track progress alongside everything else, instead of in a separate spreadsheet or app.
Document intelligence
Upload statements, mortgage offers, payslips or P60s. MoniAtlas reads and extracts the figures, then asks you to confirm them before anything is applied to your accounts.
Debt and property tracking
Mortgage balances, rates, renewal timelines and property equity are tracked alongside your other accounts, not left as a one-off calculation.
Connected accounts
Open Banking connections are being rolled out through a UK-regulated provider, so accounts you hold elsewhere can stay up to date without manual entry.
Ask Moni: insights, not advice
MoniAtlas includes Moni, an embedded AI assistant that reads the information already in your account — your accounts, balances and cash flow — and turns it into clear, explainable answers to questions like “what changed this month?” or “is my mortgage position improving?”
Moni operates under an “Insights, Not Advice” framework: it explains the data you have given it, and any figures it drafts from an uploaded document are shown to you for review and confirmation before they are applied anywhere. MoniAtlas does not provide regulated financial advice.
Built for UK individuals and households
MoniAtlas is designed for people and households managing increasingly complex financial lives — organising everyday money, paying down debt, building savings, keeping an eye on a mortgage, planning for retirement, or simply replacing a personal spreadsheet with a calmer digital control centre.
How we're building MoniAtlas
MoniAtlas starts free with manual account tracking, so anyone can build their Money Map in minutes without connecting a bank. From there, we are building out richer cash flow planning, Ask Moni’s AI-powered insights, Open Banking connections, household and joint-finance functionality, and broader Open Finance capabilities as the product matures.
What makes MoniAtlas different
Built around the person, not the account
Start manually, connect when you are ready
AI-first insights, explained in plain English
Read-only: MoniAtlas never moves your money
GDPR-first, UK-hosted by default
Insights, not advice
MoniAtlas does not provide regulated financial advice. The product is designed to help you understand your own information through organisation, tracking, planning, and explainable insights.