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Monnelia
Ozoir-la-Ferrière, France
What it is
Monnelia is a debt payoff planner that generates payment plans and lets users explore repayment options, including snowball and avalanche methods. Its mobile app listing also describes tsunami and custom strategies; tsunami prioritizes debts by interest generated from the remaining balance and current rate. Users can monitor debts, track progress, and see interest information for each debt. The app keeps a record of past and missed payments and offers guidance for upcoming payments. It can also project the effect of adding an extra monthly payment. Monnelia is available in a web browser and through mobile apps on the App Store and Play Store. Creating a web account requires an email address and password. The privacy policy says debts and payments are among the information users may enter, and describes HTTPS encryption in transit, role-based access controls, and AWS infrastructure. The maker lists a free option, Premium at $1.99 per month when paid annually ($23.90 per year), or $4.99 per month when paid monthly, and a $49.99 lifetime option. The service is intended for users aged 13 or older; minors need parental permission and supervision.
For and against
For
- Explores snowball, avalanche, tsunami, and custom strategies
- Tracks debt progress and interest information
- Logs past and missed payments
- Projects the effect of extra monthly payments
- Available on web, Android, and iOS
Against
- Minors need parental permission and supervision
- Web account requires an email address and password
The verdict
Monnelia focuses on repayment planning, debt progress, and payment records, with web and mobile access. It offers a free option alongside monthly, annual-billed, and lifetime paid plans.
Who it suits
Monnelia suits people organizing debts and comparing payoff approaches, including users who want to track payment history or model an extra monthly payment. It is available on web, Android, and iOS.
Plans and prices
Free
Core debt-payoff planning · free account
Read 14 Oct 2026 · monnelia.com
Premium monthly
All features
Read 14 Oct 2026 · monnelia.com
Premium annual
All features
Read 14 Oct 2026 · monnelia.com
Premium lifetime
All features · unlimited access
Read 14 Oct 2026 · monnelia.com
Premium (monthly)
Unlock all features
Read 29 Sep 2026 · monnelia.com
Premium (annual)
Unlock all features
Read 29 Sep 2026 · monnelia.com
Lifetime
Unlock all features
Read 29 Sep 2026 · monnelia.com
On the record
- Age limit
- The terms say services are intended for users at least 13 years old and minors need parental permission and supervision.monnelia.com · read 29 Sep 2026
- Android distribution
- Google Play lists the app as containing ads and in-app purchases, with 100+ downloads shown.play.google.com · read 14 Oct 2026
- App update history
- The App Store history records later additions including 0% interest debts, charts, repaid-debt and pending-payment pages, dark mode, and Apple/Google sign-in.apps.apple.com · read 14 Oct 2026
- Automatic planning
- The service automatically creates a repayment plan after users enter their debts.monnelia.com · read 14 Oct 2026
- Compliance
- The privacy policy says personal information will be treated securely and confidentially in compliance with applicable laws and regulations; it does not name a certification.monnelia.com · read 29 Sep 2026
- Debt tracking
- Users can keep all debts in one place, monitor balances in real time, and review interest information.monnelia.com · read 14 Oct 2026
- Developer docs
- The opened official pages provide consumer features, templates, FAQ, legal and mobile-download information but no public API, SDK, integration, or self-hosting documentation.monnelia.com · read 14 Oct 2026
- Developer response to limitation
- The developer replied on Reddit that a subsequent update should allow 0% interest debts.reddit.com · read 14 Oct 2026
- Development stack
- The maker said the web version was built with NextJS and tRPC and the mobile apps with React Native.reddit.com · read 14 Oct 2026
- Extra-payment analysis
- Monnelia shows how additional monthly payments can shorten the payoff date and reduce interest.monnelia.com · read 14 Oct 2026
- Extra payments
- Users can see the projected impact of adding an extra monthly payment.monnelia.com · read 29 Sep 2026
- Google Play data disclosure
- Google Play states that no data is shared with third parties, but the app may collect location, personal information and four other data categories, and declares that data is not encrypted.play.google.com · read 14 Oct 2026
- Integrations and data collection
- The privacy policy says the website uses Google Analytics and the mobile app uses AdMob; it lists debts and payments among information users may enter in the app.monnelia.com · read 29 Sep 2026
- iOS requirements
- The App Store listing requires iOS 15.1 or later and iPadOS 15.1 or later; Apple-silicon Macs require macOS 12 or later.apps.apple.com · read 14 Oct 2026
- Launch timing
- The maker publicly announced Monnelia as a newly launched app in March 2024.reddit.com · read 14 Oct 2026
- Legal entity
- The privacy policy identifies the operator as Monnelia, Inc. and its subsidiaries.monnelia.com · read 14 Oct 2026
- Licence terms
- The terms grant a revocable, non-exclusive, non-transferable license and prohibit decompiling, reverse engineering, copying, or creating derivative works.monnelia.com · read 14 Oct 2026
- Limit: interest-rate input
- A Reddit commenter reported that the app rejected a 0.01% rate despite displaying that as the minimum and requested support for 0% debt.reddit.com · read 14 Oct 2026
