User Guide
Learn how to make the most of Moniqo. Step-by-step guides, tips, and best practices for smart budgeting.
Getting Started
Welcome to Moniqo
Quick overview of Moniqo and how it helps you take control of your finances.
Create Your Account
Learn how to sign up and set up your Moniqo account.
Create Your First Budget
Set up your first budget and define your financial space.
Add Accounts
Connect and manage your bank accounts and cash accounts.
Popular Topics
Manage Transactions
Add, edit and categorize your transactions.
Use Envelopes
Allocate money and track your spending.
View Reports
Understand your money with insights and reports.
Understand Account Types
Checking, Savings, Credit Card, Cash, and Loan accounts.
Reconcile Accounts
Keep your accounts accurate and up to date.
Archive an Account
Retire an account you no longer use, without losing its history.
Tips & Best Practices
Start Simple
Begin with 6-10 envelopes. You can always add more once the habit is established.
Budget Every Rupee
Assign all income to envelopes until your "To Be Budgeted" balance reaches zero.
Record as You Spend
Log each transaction immediately. A 10-second habit prevents end-of-month surprises.
Review Weekly
A quick 5-minute check each week keeps you on track and aware of your patterns.
Don't Delete Overspending
When an envelope runs dry, move money from another. This reveals your real priorities.
Use Templates
Save your envelope setup as a template and reuse it every month with one click.