01
Your money. All under control.
From everyday spending to what you're saving for.
Where does your money go?
Log your spending and income in one place. See what you spend on and how much is left.
No installation · Connecting a bank is optional
reef
Balance24 850 ₴
todayYour money for everyday life
Recent transactionsSeptember
GroceriesToday−₴580
CoffeeToday−₴95
SalaryYesterday+₴42 000
Add an expense — see it in your history.
02
Connect monobank
Card transactions flow into Reef automatically. Less manual entry, a clearer view of your spending.
03
Reef, right on your phone
Add Reef to your home screen. No app store download needed.
A few answers before you start
How can I manage my budget in Reef?
In Budget, record income and expenses by category, check your current balance and review your transaction history. Add transactions manually, import a statement or connect monobank. Plan your spending, track debts and explore detailed statistics.
What is the Capital section for?
Capital helps you track savings separately from your everyday budget, including an emergency fund, savings goals and investments. You can create separate savings pots, record contributions and follow your progress towards a goal. Reef keeps track of your records: your money stays in your own accounts, and nothing is automatically transferred into savings.
Do I need to install anything?
Reef works in your browser. You can also add it to your phone’s home screen.
Do I have to connect a bank?
No. Add transactions manually, import a statement or connect monobank — choose what works for you.
How do I recover my account?
Sign in with your email and password. If you forget your password, request a reset link by email.
Start with one expense.
Log your spending and income and build a clear picture of your money.
Start for freeNo installation · Connecting a bank is optional