Split the bill,
not the friendship.
Track every expense, split group costs, settle debts and watch your crypto — all inside a chat you already have open. No new app to install.
Everything money, in one chat
Personal budgeting and shared expenses that used to need three apps — now a single Telegram mini-app.
Expense tracking
Log and categorize daily spending in a tap — or straight from an inline command.
Smart analytics
Weekly and monthly breakdowns, category bars and trend badges that surface habits.
Group splitting
Equal, shares, amounts or %. Balances update live and everyone sees the same numbers.
Smart alerts
Budget and limit notifications keep you ahead of overspending before it happens.
Crypto portfolio
Track holdings and performance beside your cash — and settle debts in USDT.
Split any bill, settle in seconds
Add a group expense, choose equal, shares, amounts or percentages, and Monesto keeps the running balance. When it's time to pay back, settle in your currency — or in USDT.
- Four split modes with live remaining balance
- Multiple payers when the bill was shared
- One-tap settle up — in your currency or USDT
See exactly where the money goes
Auto-categorized transactions roll up into clean weekly and monthly views, category breakdowns and trend badges — so you catch overspending before it becomes a habit.
Lives where your friends already are
Log an expense with an inline command, or open the full mini-app for the rich experience. Add a group and everyone's on the same page — no sign-ups, no downloads.
Your coins, tracked next to your cash
Monitor holdings in real time, watch performance over the day and analyze your allocation — all in the same app you use for everyday spending. Settle debts directly in USDT.
Three steps, no setup
Open the bot
Tap Open in Telegram — no download, no account setup.
Log or split
Add an expense, or split a bill and add your group.
Settle up
See who owes what and settle in a tap when it's time.
Start tracking in the next 30 seconds
Open the bot, log your first expense, invite the group. Free to start — upgrade whenever you're ready.
Open in Telegram