Moniratio · Your whole financial picture
A budgeting app shows money moving. A spreadsheet calculates what you build into it. But how do your monthly room, assets, debts and goals fit together?
Moniratio brings those parts together. From a small buffer and outstanding debts to several properties, investment portfolios and a trading journal. Still in development, with your whole financial situation as the starting point.
General finance apps such as Dyme focus on bank accounts, income, spending and contracts. Bank transactions alone do not tell you what your property is worth, what you owe against it or how your investment holdings fit into your total wealth.
With Excel or ChatGPT sheets, you need to check the structure and formulas yourself. Unlinked tabs, duplicate entries or a forgotten debt can distort the result. A formula can be correct while your overview remains incomplete.
Is everything in the right place? What is missing? And do you know what the result is based on?
You get help adding information: relevant questions, suggested costs and reusable import layouts. Recurring items reduce repeat work. You check and save your entries; Moniratio calculates your plan and net worth for you. You do not need to connect separate sheets or maintain complex formulas for those calculations.
You might be starting with substantial debts and a minimal buffer. Or you might want to track your fourth property and several portfolios alongside your monthly plan. You do not need the same starting point to have a goal — whether you have named it yet or not.
Ask yourself the basic questions that also matter in wealth management: what do you own, what do you owe and where do you want to go? With Moniratio, you build that overview yourself. You stay in charge of your choices.
See where you stand. Choose a goal that reaches beyond today and make the next step concrete. Moniratio helps you plan, calculate and follow your progress. You choose the direction.
Closed beta · up to 100 testers. Access follows a personal review and invitation.
This page compares an approach, rather than every feature of every app. Dyme’s stated focus is based on its own product information, reviewed on 31 October 2026. Moniratio is in development and provides a tool for personal insight, not personal financial advice or a professional wealth management service.