Monnelia
monnelia.com
What it is
Monnelia is a debt payoff planner for tracking balances and exploring repayment plans. It can generate payment plans using snowball and avalanche strategies; its mobile app listing also describes tsunami and custom approaches. The tsunami method prioritizes debts by interest generated from the remaining balance and current interest rate. Users can monitor debts and progress, see interest information for each debt, and review past and missed payments alongside guidance for upcoming payments. Monnelia can project the impact of adding an extra monthly payment. It is available in a web browser and on iOS and Android; a web account requires an email address and password. The maker lists a free account, Premium at $1.99 a year when paid annually, Premium at $4.99 a month when paid monthly, and a 49.99 USD lifetime option. Its privacy policy says users may enter debts and payments, and describes HTTPS encryption in transit, role-based access controls and AWS infrastructure. The terms set a minimum age of 13, with parental permission and supervision required for minors.
Spec sheet
- What it does
- Monnelia is a debt-payoff planner that generates repayment plans and helps users track progress toward becoming debt-free.Read 14 Oct 2026 · monnelia.com
- Product
- Monnelia describes itself as a free debt payoff planner app.Read 29 Sep 2026 · monnelia.com
- Security
- The privacy policy says Monnelia uses HTTPS to encrypt data in transit, restricts access through role-based controls, and uses AWS infrastructure.Read 29 Sep 2026 · monnelia.com
- 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.Read 29 Sep 2026 · monnelia.com
- Support
- The maker lists [email protected] for questions and support.Read 29 Sep 2026 · monnelia.com
- Headquarters
- Ozoir-la-Ferrière, FranceRead 28 Sep 2026 · monnelia.com
- Age limit
- The terms say services are intended for users at least 13 years old and minors need parental permission and supervision.Read 29 Sep 2026 · monnelia.com
- Android distribution
- Google Play lists the app as containing ads and in-app purchases, with 100+ downloads shown.Read 14 Oct 2026 · play.google.com
- 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.Read 14 Oct 2026 · apps.apple.com
- Automatic planning
- The service automatically creates a repayment plan after users enter their debts.Read 14 Oct 2026 · monnelia.com
- Debt tracking
- Users can keep all debts in one place, monitor balances in real time, and review interest information.Read 14 Oct 2026 · monnelia.com
- 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.Read 14 Oct 2026 · monnelia.com
- Developer response to limitation
- The developer replied on Reddit that a subsequent update should allow 0% interest debts.Read 14 Oct 2026 · reddit.com
- Development stack
- The maker said the web version was built with NextJS and tRPC and the mobile apps with React Native.Read 14 Oct 2026 · reddit.com
- Extra payments
- Users can see the projected impact of adding an extra monthly payment.Read 29 Sep 2026 · monnelia.com
- Extra-payment analysis
- Monnelia shows how additional monthly payments can shorten the payoff date and reduce interest.Read 14 Oct 2026 · monnelia.com
- 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.Read 14 Oct 2026 · play.google.com
- 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.Read 29 Sep 2026 · monnelia.com
- 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.Read 14 Oct 2026 · apps.apple.com
- Launch timing
- The maker publicly announced Monnelia as a newly launched app in March 2024.Read 14 Oct 2026 · reddit.com
- Legal entity
- The privacy policy identifies the operator as Monnelia, Inc. and its subsidiaries.Read 14 Oct 2026 · monnelia.com
- Licence terms
- The terms grant a revocable, non-exclusive, non-transferable license and prohibit decompiling, reverse engineering, copying, or creating derivative works.Read 14 Oct 2026 · monnelia.com
- 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.Read 14 Oct 2026 · reddit.com
- Limit: reliability complaint
- An App Store reviewer said that after entering data and paying for a subscription, the app stopped working.Read 14 Oct 2026 · apps.apple.com
- Maker identity
- The Google Play listing identifies Pierre Ansar as developer and gives an Ozoir-la-Ferrière, France address.Read 14 Oct 2026 · play.google.com
- Mobile availability
- Monnelia is distributed through Apple’s App Store and Google Play.Read 14 Oct 2026 · monnelia.com
- Mobile strategies
- The mobile app listing describes snowball, avalanche, tsunami, and custom repayment strategies; it says tsunami prioritizes debts by interest generated from remaining balance and current interest rate.Read 29 Sep 2026 · apps.apple.com
- Payment edits
- The app lets users record an unplanned payment or modify a payment in one action.Read 14 Oct 2026 · apps.apple.com
- Payment history
- The app records past and missed payments and gives guidance for upcoming payments.Read 14 Oct 2026 · monnelia.com
- Payment tracking
- The app keeps a log of past and missed payments and provides guidance for upcoming payments.Read 29 Sep 2026 · monnelia.com
- Praise: free version
- The maker wrote that most features are available free and that users can use the free version indefinitely.Read 14 Oct 2026 · reddit.com
- Praise: responsiveness
- An App Store reviewer described the app as promising and said the developer was responsive and helpful during testing.Read 14 Oct 2026 · apps.apple.com
- Premium feedback
- The maker said some users felt paying a subscription to get out of debt was illogical and introduced free premium months for referrals.Read 14 Oct 2026 · reddit.com
- Privacy collection
- The privacy policy says Monnelia collects signup email, timezone, language, entered debt and payment data, and device information.Read 14 Oct 2026 · monnelia.com
- Rating on Apple App Store
- 4.4 out of 5 from 11 ratingsRead 14 Oct 2026 · apps.apple.com
- Redesign news
- In September 2025 the maker reported redesigning the app with cleaner UI, animations, and 3D characters after leaving it untouched for about ten months.Read 14 Oct 2026 · reddit.com
- Repayment strategies
- The mobile listing offers snowball, avalanche, tsunami, and custom repayment strategies.Read 14 Oct 2026 · play.google.com
- Security measures
- Monnelia says it uses HTTPS, role-based access controls, AWS infrastructure, and incident-response procedures.Read 14 Oct 2026 · monnelia.com
- Snowball effect
- When a debt is cleared, its minimum payment can roll into another debt as an extra payment.Read 14 Oct 2026 · monnelia.com
- Terms jurisdiction
- The terms state that French law governs and French courts have exclusive jurisdiction.Read 14 Oct 2026 · monnelia.com
- Third-party services
- The privacy policy names Google Analytics for website analytics and AdMob for mobile advertising.Read 14 Oct 2026 · monnelia.com
- Tsunami method
- Monnelia describes its tsunami method as prioritizing debts producing the most interest from remaining balance and current rate.Read 14 Oct 2026 · play.google.com
- Web access
- The official FAQ says users can use Monnelia in any web browser with an account requiring email and password.Read 14 Oct 2026 · monnelia.com
Plans and prices
Free Free Core debt-payoff planning · free account Read 14 Oct 2026 · monnelia.com
Premium (monthly) $4.99 a month $4.99 per month if paid monthly Unlock all features Read 29 Sep 2026 · monnelia.com
Premium monthly $4.99 a month monthly All features Read 14 Oct 2026 · monnelia.com
Premium (annual) $23.90 a year $1.99 per month if paid annualy ($23.90 per year) Unlock all features Read 29 Sep 2026 · monnelia.com
Premium annual $23.90 a year $1.99 per month when paid annually ($23.90 per year) All features Read 14 Oct 2026 · monnelia.com
Lifetime $49.99, paid once lifetime Unlock all features Read 29 Sep 2026 · monnelia.com
Premium lifetime $49.99, paid once one-time lifetime purchase All features · unlimited access Read 14 Oct 2026 · monnelia.com
Strong points and limits
Strong points
- Tracks balances, progress and interest
- Logs past and missed payments
- Projects the impact of extra monthly payments
- Offers snowball, avalanche, tsunami and custom strategies
Limits
- Web account requires email and password
- Minors need parental permission and supervision
- Premium costs $4.99 a month when paid monthly
Who it suits
Monnelia suits people who want to track debts and compare repayment approaches, including the projected effect of extra monthly payments. It is available on the web, iOS and Android.
Verdict
Monnelia pairs debt tracking with several repayment strategies and payment projections. It has a free option, with paid Premium and lifetime plans also listed.
Where Specifiction places it
- Debt Management Software#4 of 238.6
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