Monipal is a personal finance wellbeing app that helps users understand their current money situation and turn it into a clear, achievable goal. It starts with a guided onboarding questionnaire (income, savings, debt, confidence, investing interest, and other context) and explains why each question matters, so users feel informed rather than interrogated. Based on the answers, users choose a financial goal and get an easy-to-read snapshot of their progress plus a practical recommended allocation of their income, presented visually.

To keep motivation high, Monipal combines education with gamification: users can read finance-focused articles and earn coins/points for positive actions like completing onboarding, selecting a goal, finishing profile sections, and reading content. A simple ranking/progression system and a clean home dashboard highlight what’s done, what’s left, and what to do next—making financial improvement feel structured, rewarding, and approachable.