Protect what matters
Start with income, essentials, accessible savings and the emergency buffer you choose.
Financial decision intelligence · Private beta
Decide what your money can do next before you commit.
See the trade-offs before you make the decision. TMonie helps you protect essentials, compare timing and cost, and understand the assumptions behind the result.
Planning and educational beta. Not a bank, lender, or regulated financial adviser. No live bank connection.
How it works
One clear path from context to choice.
The beta focuses on transparent planning, not automated transactions or hidden scoring.
Compare the decision
Test a supported purchase scenario and see the effect of changing the price, deposit or timing.
Understand the trade-offs
Review the assumptions and safeguards behind a recommendation before deciding for yourself.
Trust and boundaries
Know what is real, illustrative and under your control.
You stay in control
TMonie does not move money or make decisions on your behalf.
Purpose-specific consent
Optional personalization and communications can be reviewed and withdrawn.
Explainable by design
Supported calculations expose assumptions, limitations and model versions.
Private-beta boundaries
Current transactions and opportunities are illustrative, not connected bank data.
What is available today?
Account and profile management, deterministic beta calculations, a purchase simulator, consent controls and data-rights workflows. Forecasts, transactions, coach answers, opportunities and connected accounts remain demo experiences. Goal management uses records saved to your authenticated account.
Review the full product status →Questions before you join
Straight answers, before account creation.
Does TMonie connect to my bank?
Not in the current private beta. Connected-account screens use a clearly identified demo provider.
Is this financial advice?
No. TMonie currently provides planning and educational beta outputs. You remain responsible for every decision.
How is my information used?
Your profile supports calculations you request. Optional personalization and communication choices are separated, and authenticated users can export data or request deletion.
Does the beta cost anything?
No price is currently advertised. Pricing and wider availability will be communicated before any paid service is introduced.
Private beta
Test a decision with clearer boundaries.
Use estimates, inspect the assumptions and decide for yourself.
Create your account