Your first test · about 10–15 minutes
Your first quarter hour
with Moniratio.
Three small exercises: explore your monthly room, an annual bill and a buffer. What works? Where do you have to search? Even a step that does not work helps us improve.
Before you begin
Your route.
You can read this guide without an account. The app exercises require an invitation to the closed beta. Apply to test or see the demo first. Interface labels below refer to the Dutch screen; the English availability of individual screens can change.
Just created an account? Save your personal recovery code. If the account is empty, begin with Startplan under Overzicht. A marked Voorbeeldweergave contains fictional rather than your own data. If you already have records, use them. Add only information you want to keep. The amounts below are examples, not required values.
01 · Cashflow · about 3 minutes
Understand your monthly room
Open Cashflow. Under “Bekijk voor”, choose a person or “Hele huishouden”. Find “Inkomsten”, “Lasten en reserveringen” and “Vrij beschikbaar”. Which items determine those totals?
If your overview is empty, use “Post toevoegen” to record one income and one expense you want to track, then look again. Can you explain what is available to spend and which money already has a purpose?
02 · Looking ahead · about 4 minutes
Recognise an annual cost
Example: €600 per year ÷ 12 months = €50 reserved each month. The payment remains annual; your monthly plan takes the cost into account.
In Cashflow, find an annual expense and its monthly allocation. To add a missing annual expense, use “Post toevoegen”, set “Soort” to “Uitgave” and “Herhaling” to “Jaarlijks”, enter the annual amount and first payment date, then save. An annual item already has a monthly allocation; do not add a duplicate monthly allocation for the same bill.
Could you find the difference between the annual payment and the monthly allocation? What explanation would help?
03 · Your next step · about 4 minutes
Give your buffer a goal
Open “Doelen” and look at an existing goal. To create one, open “Alle doelen bekijken en beheren (ook losse doelen)” and choose “Nieuw doel”. Give it a name and target amount; you can start with “Los doel, zonder rekening”. Select “Doel maken” to save it.
Compare the target with what you have already built. To link a pot, first record a euro savings account under “Huishouden” and choose it for the goal. A standalone goal needs no account. A goal or pot plan does not transfer money between banks.
Could you see the difference between your target and what you have already built? Could you find how to change the goal?
Your experience helps
Tell us what you noticed.
Choose one moment that was helpful, confusing or difficult. A short description without amounts or account details is enough: Which screen or exercise? What did you want to do? What did you expect? What happened? What would help? Your device or browser is optional.
Screen or exercise: What did I want to do? What did I expect? What happened? What would help? Device or browser (optional):
Notes in Settings → Pilot Logbook remain private and are not sent automatically. To share feedback, email support@moniratio.com yourself. Do not send passwords, recovery codes, API keys or full financial exports.