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Monra is a personal finance tracker that plays like a game. You create a hero, and everything you do for your money moves your hero forward:

• Log income and expenses — each entry earns XP.
• Keep budgets — staying under your daily budget builds a streak.
• Complete quests — daily, weekly and monthly challenges with XP rewards.
• Reach savings goals — completing a goal gives a big XP bonus.
• Level up — XP raises your hero's level and unlocks new titles.

The finance data is 100% real and yours; the game layer just makes the habit stick.

Your class shapes how your hero looks and the titles you earn as you level up:

• Warrior — strong and disciplined; fights through debt and conquers spending.
• Mage — wise and strategic; grows wealth through knowledge and planning.
• Ranger — agile and adaptive; tracks every expense and spots opportunities.

All classes have exactly the same features — the choice is purely about style and story.

Yes, both, at any time. Go to Settings → Profile: edit the hero name field, or tap one of the three class buttons to switch between Warrior, Mage and Ranger. Your level, XP and history are kept — only the look and titles change.

Monra creates a Daily Budget and a Weekly Budget for you automatically, derived from your monthly income:

• Daily budget = monthly income ÷ days in the current month
• Weekly budget = monthly income ÷ 4

They show on your dashboard with a progress bar of today's / this week's spending. If you haven't set a monthly income (it's optional), the automatic budgets stay hidden — you can either add your income in Settings → Profile or give a budget a fixed amount in Settings → Budgets.

Custom budgets are a Premium feature. Go to Settings → Budgets → Add Budget and set:

• a name (e.g. "Eating out"),
• an amount,
• a period — daily, weekly or monthly,
• optionally, specific expense categories it covers (leave empty to count all expenses).

The budget appears on your dashboard as its own card with live progress. You can edit or delete custom budgets anytime from the same place.

Nothing is ever blocked — Monra never stops you from saving a real expense. But your hero feels it:

• When an expense pushes you past 80% of a budget, you get a warning so you can slow down.
• The expense that crosses the limit costs your hero −20 XP (once per budget per period — you're not punished repeatedly while over).
• Your budget streak resets, and any active "stay under budget" quests fail for that period.

The next day (or week/month) the budget starts fresh.

CSV import is a Premium feature that saves you typing months of history by hand.

1. Export your account statement from your bank as a CSV file.
2. In Monra open Transactions → Import and upload the file.
3. Tell Monra which column is which — date, amount, description. Known formats (e.g. Revolut) are detected automatically, and a mapping you save once is re-applied the next time the same bank's file is uploaded.
4. Review the preview: every row shows the detected type, category and description. You can change the category or edit the description per row.
5. Confirm. The transactions are saved, your wallet balance is adjusted automatically, and re-importing the same file later won't create duplicates.

Any bank that can export a CSV file works — the import wizard lets you describe any column layout, so it's not limited to a fixed list of banks.

• Revolut statements are recognized automatically (including the fee column and skipping non-completed operations).
• Cyrillic statements saved in the common Windows-1251 encoding are read correctly, not just UTF-8.
• Both comma and decimal-comma number formats are understood (1,234.56 and 1.234,56).
• Excel files (.xlsx) are not supported yet — export as CSV instead.

Banks write amounts in one of three ways. In the import wizard pick the mode that matches your file — here is each one with an example:

1. One signed column — a single amount column where expenses are negative and income is positive:

You can also map an optional Fee column — it's subtracted from the amount automatically (Revolut statements work like this).

2. Separate Debit / Credit columns — money out and money in live in two different columns:

A value in the Debit column becomes an expense; a value in Credit becomes income. That's the standard bank-statement convention — if your file uses the opposite (some accounting exports do), simply map the two columns the other way around.

3. Positive amount + direction column — every amount is positive, and a separate text column says which way the money went (very common in Bulgarian card statements):

Pick the default direction (usually expense), then mark which values of that column mean the opposite — e.g. "Incoming transfer" = income. Everything else stays an expense.

The preview step lists every skipped row with a reason. There are two:

• Duplicate — a transaction with the same date, amount and description (or the same bank reference) already exists in Monra or earlier in the same file. This is what makes re-importing safe.
• Filtered — the row didn't pass the format's filter, e.g. Revolut operations that aren't in COMPLETED state (pending card holds, reverted payments).

If a skipped row is actually a real, separate transaction (say, two identical coffees on the same day), press Include next to it in the preview — it will be imported and remembered as distinct, so future re-imports stay clean.

By design. A single statement can contain hundreds of rows — if each one gave XP, one import would instantly max out quests, achievements and levels, and the game would stop meaning anything.

So imported transactions count fully in your finances (balances, budgets, analytics) but stay outside the game: no XP, no quest progress, no achievements, and no budget penalties for past periods. XP comes from your live habit — logging as you spend.

A goal is a named amount you're saving toward — an emergency fund, a laptop, a vacation.

1. Create it in Goals: name + target amount.
2. Add money with Contribute: the amount moves out of the wallet you choose and into the goal, so your available balance stays honest. Contributions always require sufficient wallet funds.
3. Watch the progress bar fill. Reaching 100% completes the goal and rewards your hero with a big XP bonus.

The free plan allows 3 active goals; Premium removes the limit.

Quests are time-boxed challenges that reward XP:

• Daily — e.g. "log 3 transactions today" (~30 XP)
• Weekly — e.g. "stay under your daily budget 5 days" (~100 XP)
• Monthly — bigger goals over the whole month (~300 XP)
• Epic — long-run milestones with huge rewards (up to 1000 XP)

Each quest lives until the end of its period. New ones are generated automatically when a new day/week/month starts — just open the app and the Quests page will have a fresh set. Progress updates as you log transactions and keep budgets; completions pop up as toasts with the XP reward.

Everything good you do for your money feeds your hero:

• Logging a transaction — +5 XP base, boosted by your stats (and Luck can double it).
• Completing quests — 30 to 1000 XP depending on the tier.
• Unlocking achievements — 25 to 500 XP by rarity.
• Completing a savings goal — a big one-time bonus (typically 200 XP).
• Streak milestones — keeping login and budget streaks alive pays extra.

And one way to lose XP: the expense that pushes a budget over its limit costs −20 XP (once per period).

Your stats grow from how you actually use Monra (they're recalculated daily from your activity), and high stats pay you back with XP bonuses:

• STR — earned by logging expenses; at 60+ it gives +5% XP on expense logging, at 85+ +10%.
• AGI — earned by logging income; same +5% / +10% bonuses on income logging.
• LCK — your luck stat gives a 1–20% chance to double the XP of any logged transaction. When it procs, you'll see a 🍀 toast.

The other stats reflect your overall discipline and progress — they shape your hero's profile on the dashboard.

Each level needs more XP than the last: the requirement is 100 × level^1.5 XP (rounded down). So level 2 needs 100 XP, level 5 about 1,118, level 10 about 3,162.

Level-ups happen instantly the moment your total XP crosses the line — you'll see the celebration modal. Every few levels your hero also earns a new title that matches their class.

The free plan includes one wallet. Premium unlocks unlimited wallets — useful for separating a card, cash and savings, each with its own currency and balance. You can upgrade from Settings → Subscription.

Use the Transfer action on the dashboard's wallets section. Pick the source wallet, the destination wallet and the amount — Monra moves the money atomically (both sides update together) and converts the amount automatically if the wallets use different currencies. Transfers always require sufficient funds in the source wallet, and they don't count as income or expense in your analytics.

By default, no — an expense bigger than the wallet balance is rejected, so your records can't drift from reality by accident.

If your real account can go negative (overdraft, credit card), turn on Settings → Finances → Allow negative balance. Expenses can then push a wallet below zero. Two things still always require funds regardless of the setting: contributing to a goal and transferring between wallets.

Recurring transactions (a Premium feature) log regular payments for you — rent, salary, subscriptions.

When adding a transaction, tap Repeat and choose a frequency: daily, weekly, every 2 weeks, monthly or yearly, plus a start date. From then on Monra records each occurrence automatically when it comes due — even if you haven't opened the app for a while, missed occurrences are caught up. You can pause or edit the rule from the Recurring transactions menu.

Open Transactions, tap the transaction, and:

• Edit — change the amount, category, date or note; the wallet balance is adjusted accordingly.
• Revert — undoes the transaction: a compensating entry restores the wallet balance and the original is marked as reverted (it stays visible in the history but stops counting in budgets and analytics).

Reverting an income needs the wallet to still have that money (unless negative balance is allowed).

Premium costs €2.99 / month and unlocks:

• Unlimited wallets (free: 1) and unlimited goals (free: 3 active)
• CSV statement import — bring in your whole bank history
• Recurring transactions — rent, salary, subscriptions on autopilot
• Custom budgets and custom categories
• AI monthly report — a personal report card on your month
• 12 months of analytics (free: 1 month)

You can subscribe from Settings → Subscription. There's also a way to earn Premium for life — see the referrals question.

Go to Settings → Subscription → Manage billing — it opens the secure billing portal where you can cancel with two clicks. Your Premium stays active until the end of the period you've already paid for, then the account simply drops back to the free plan. Your data is never deleted when you downgrade.

Open Invite friends in the menu — you'll find your personal invite link there.

• Anyone who registers through your link is tracked as your referral.
• When 5 of your referrals become paying subscribers, you get Lifetime Premium — permanent, no subscription needed, even if your own paid subscription lapses.

The invite page shows your progress: who joined, who subscribed.

Monra installs straight from the browser — no app store needed, no fees, updates are automatic.

• iPhone: open Monra in Safari → Share button → Add to Home Screen.
• Android: open Monra in Chrome → menu (⋮) → Add to Home screen (or tap the install banner if it appears).

The install page detects your device and walks you through it with pictures. Once installed, Monra opens full-screen like a native app.

iPhone push has two Apple-imposed requirements:

1. Monra must be installed on your home screen (see the install question) — Safari tabs can't receive push on iOS.
2. iOS 16.4 or newer.

Enable push from Settings → Notifications inside the app. One honest caveat: iOS sometimes silently drops push subscriptions for apps you haven't opened in a while — opening Monra re-activates it automatically. That's why the daily reminder also goes out by email, which always arrives.

Go to Settings → Language and pick English or Bulgarian. The choice is saved to your profile, so it follows you across devices — phone, tablet and desktop all switch together.

Yes, and here's specifically how:

• No bank connection. Monra never asks for your bank login. Data enters only what you type or the CSV files you choose to upload.
• EU hosting. Your data lives in a European data center, protected by row-level security — every record is readable only by your own account, enforced at the database level.
• Encrypted transport. All traffic runs over HTTPS.
• Payments handled externally. Card details go directly to the payment provider — Monra never sees or stores your card number.
• Your data is yours. Deleting your account permanently removes everything.

At the bottom of Settings there's a Delete Account section. Deleting is immediate and permanent: your profile, transactions, wallets, goals, hero and all progress are erased and cannot be recovered. If you have an active Premium subscription, cancel it first (Settings → Subscription) so you're not billed again.

Password: sign out, then use Forgot password? on the sign-in screen — you'll get a reset link by email. If you signed up with Google, there's no Monra password; access is managed by your Google account.

Email: changing the account email isn't self-service yet — send us a message from Help → Messages and we'll take care of it.