Upload your payslip· Track every debt· See your next 12 months· Know what you can spend today· No bank logins · ever· First report free· Upload your payslip· Track every debt· See your next 12 months· Know what you can spend today· No bank logins · ever· First report free·
Beta — first report free

Fix your finances
in 2 min per month.

Upload your payslip once. imonei does the rest — budget, debts, savings, and exactly what's yours to spend.

First report free. Then £2.99/month.
Budget Calculator
Full breakdown
See exactly where every pound goes, month by month.
Expense Tracker
Spending under control
Track and categorise every expense as it happens.
Income & Expenses
The full picture
Income, outgoings, and your real net position at a glance.
Monthly Budget
Plan ahead
Set your budget once. Let imonei track it every month.
Savings Goal
Hit your target
Set a goal, track your progress, and watch it grow.
Money Tips
Personalised advice
Smart, judgment-free guidance based on your real numbers.
🧪 Beta · Send feedback · Built by Kennedy Studio
🔒
Before you start
Your pay details are sensitive. Here's exactly what happens to them.
  • 📱
    Your data never leaves this deviceEverything you enter lives only in your browser. We have no server, no database, no account.
  • 🚫
    No bank logins. Ever.imonei never connects to your bank account. We don't ask for it and never will.
  • 👁️
    We never see your dataimonei cannot see your salary, debts, or any detail you enter. We have no access.
1
Pay
2
Expenses & Debts
3
Savings
Your pay this month
Enter the figures from your most recent payslip.
📄
Upload your payslip
PDF or photo — figures filled in automatically
or fill in manually
£
£
£
£
£
Regular expenses
Add each monthly cost separately. Due date = the day of the month it leaves your account.
✓ Saved automatically — your expenses will be remembered next month. You only need to do this once.

✓ All expenses are saved to your profile and remembered every month.

Debts & repayments
Add any debt you're paying off monthly — credit cards, loans, finance agreements.
Pick your strategy
⛄ Snowball
Recommended for motivation
Pay off your smallest debt first, regardless of interest rate. Every time a debt clears, roll that payment onto the next. Fast wins, real momentum.
🏔 Avalanche
Best for saving money
Attack the highest interest rate first. You pay less total interest — often hundreds of pounds less. Slower wins, but cheaper overall.
💡 No debts? Skip this section.
Savings
Optional — helps us project your year-end balance.
💡 We suggest saving at least 20% of your net pay.
£
£
Your budget
🧪 Beta · Send feedback · Built by Kennedy Studio
🚀
Join the waitlist.
imonei is free during beta. We're building a more advanced version — get early access when it launches.
Coming soon
The advanced version
Early access
free during beta · pricing announced at launch
  • Everything in the free beta
  • Bank-style spending categories
  • Automated monthly reminders
  • Multi-payslip household view
  • Priority support
✓ You're on the list. We'll email you when the advanced version launches.
No payment required. Just early access when it's ready.
← Back

Privacy Policy

Last updated: June 2026 · imonei · Built by Kennedy Studio

What imonei is

imonei is a personal finance tool for UK salaried workers, built by imonei.

What data we collect

We collect nothing. imonei has no server, no database, and no user accounts. All data you enter exists only in your browser and is cleared when you close the tab.

Cookies and tracking

imonei uses browser localStorage only to track whether you have used your free report. No advertising cookies, no analytics, no third-party tracking.

Who can see your data

Nobody at imonei can see your salary, debts, or anything else you enter. We have no access to it.

Your rights

Because we hold no personal data, there is nothing to access or delete on our end. Clear your browser's localStorage to remove all traces of imonei from your device.

Contact

Questions? WhatsApp: +44 7537 979709 or kennedystudio.com

Payslip history
🧪 Beta · Send feedback · Built by Kennedy Studio