Know if your money will last until payday.

No. Monimate is a forward-looking financial stability app, not a traditional budgeting app. Budgeting apps mainly categorize what you already spent. Monimate looks ahead at upcoming bills, paydays, and spending patterns to help you understand what may be safe to spend today, when money could get tight, and when your cash flow may recover. Use it when your real question is not "What did I spend last month?" but "Can I afford this without creating pressure before payday?"

Monimate supports financial wellness with everyday clarity before pressure builds. It brings income timing, upcoming bills, and spending patterns into a forward-looking view, so you can understand what is coming and make clearer day-to-day decisions. Financial wellness is not about perfect budgeting. It is about having more clarity, control, and room to make choices with your money.

Your financial information is intended to stay private and protected, and is used only to create your personalized cash-flow view. Monimate is coming soon; connection and protection details will be confirmed before early access. If your employer sponsors access, they never see your individual financial data.

Monimate looks at the timing of money coming in and going out, including expected income and upcoming bills. With irregular income, your outlook depends on the income information available. Forecasts are estimates based on the information available and may change as income, bills, or spending change.

Safe to Spend is an estimate of what may be available for everyday spending after upcoming bills, expected income, and your cash-flow outlook are considered. It is a planning estimate, not financial advice or a guarantee.

No. An employer sponsors access, not access to your financial information. Employers never see individual transactions, balances, income, debts, forecasts, Safe to Spend, household information, Moni conversations, or personal money decisions.

Monimate is coming soon. Proposed launch pricing in CAD: Free (First Clarity) is $0, Essential is $9.99/month or $99/year (approximately $8.25/month), and Plus is $19.99/month or $199/year (approximately $16.58/month). Yearly plans offer 2 months free. Annual plans are billed upfront. Plans, features, and prices may change before early access. See the Pricing section for proposed plan features.