For owner-operated businesses — services, trades, freelancers and merchants
You did the work.
Get paid.
Know what you made.
Built for people who sell, serve and build—and don’t have a back office doing the rest. From Day 1, MOMONIE runs the jobs, orders, invoices and expenses, and shows you what you actually made.
Good morning, Jordan
Sample activityToday
AED 850
earned
AED 650
paid
AED 200
waiting
Updated now · sample data
MOMONIE noticed
You're earning 22% more per hour on weekend jobs.
This month
AED 14,250
You kept
AED 10,940
30 days freeNo card needed to startCancel any time
Quote
Kitchen tap replacement
AED 900
Sent by link · accepted
Book
Thursday 09:00
2h 40m
No clash with your other work
Get paid
Payment request
AED 900
One tap, sent to the customer
See profit
Gross profit
AED 740
Margin 82%
Product demonstration using sample figures, shown in your market's currency.
The connected system
Everything you do becomes one financial record.
Nothing is retyped and nothing is guessed. Activity arrives, MOMONIE attributes and reconciles it, and only confirmed information becomes your financial picture.
Plug and play. Business in your pocket. On the go.
Business activity
- Customers
- Quotes
- Jobs and orders
- Time
- Expenses
- Invoices
- Payment transactions
- Banks and cards
- Commerce activity
MOMONIE
The financial spine
- 01CapturesActivity arrives once, in its original form.
- 02AttributesEvery item is tied to the job, order or customer.
- 03ReconcilesMoney seen is matched to work done.
- 04ConfirmsOpen questions wait for your answer.
- 05Builds one governed financial recordOnly confirmed information is posted.
Reconciliation queue
Card charge AED 120 · matched to Kitchen tap replacement
1 question waiting for your confirmation
Outcomes
- Job and order profit
- Outstanding payments
- Cash position
- Profit & Loss
- Balance Sheet
- Cash Flow
- Maria's plain-language explanation
- Financial DNA
For people who sell, serve and build
However you make your money, MOMONIE helps you understand it.
Hairdresser & Barber
Chair rent, back-to-back appointments, products and regulars.
E-commerce Merchant
Products, orders, fees, customers and what you actually kept.
Restaurant Owner
Menu sales, customers, costs, campaigns and what makes you money.
Food Truck Operator
Sales, locations, busy hours, costs and repeat customers.
Plumber
Calls, quotes, materials, payments and what each job actually made.
Electrician
Jobs, materials, labour, customers and profitable work.
Lawn Care
Routes, recurring customers, fuel, equipment and what each stop earns.
Tutor
Sessions, bookings, payments and the students who come back.
Tow Operator
Call-outs, fuel, truck upkeep and what a night's work leaves you.
Professional Cleaner
Regular homes, travel between jobs, supplies and steady income.
Independent Contractor
Material runs, helpers you pay, milestones and job profit.
Photographer
Shoot days, gear, deposits and the bookings worth repeating.
Creative Freelancer
Project rates, small expenses and tax-ready records.
Swipe, drag or use the arrow keys to move through the professions.
Maria
Say it once.
Check it. Done.
Maria listens or reads, works out what you meant, and shows you a structure to check. She prepares and explains — you confirm before anything consequential is saved.
Voice input uses your browser's own speech recognition where it is supported, and typing always works.
Voice or text
“I worked three hours, used AED 85 in materials and drove 12 business miles.”
Maria structures it
- Job
- Kitchen tap replacement — Thursday
- Time
- 3h 00m
- Materials
- AED 85
- Mileage
- 12 business miles
- Estimated financial effect
- Direct cost AED 160 · gross profit AED 740
Job costing updated
Financial record prepared
Product demonstration — sample figures in your market's currency.
MOMONIE noticed
It tells you things you'd never sit down and work out.
Plain sentences, built from your real jobs and payments. Never invented numbers — if there isn't enough history yet, MOMONIE says so.
Quoting
You quoted 18 jobs this month. 11 were accepted.
Unpaid
AED 1,850 is still waiting to be collected.
Profitability
Saturday jobs earn 31% more profit per hour.
Customers
Seven regular customers haven't booked again yet.
Illustrative examples using demonstration data.
The operating loop
From booked job to real profit—in one place.
One job, followed all the way through. No re-entry, no separate bookkeeping evening, no guessing what it earned.
- Quoted
- AED 900
- Actual direct cost
- AED 160
- Gross profit
- AED 740
- Margin
- 82%
Product demonstration using sample figures — not customer traction.
Step 01
The job is scheduled
Thursday · 09:00 — Kitchen tap replacement, Dubai
Overlaps are flagged before you promise a time.
Step 02
Time is captured
Timer 2h 40m · confirmed voice entry, 3h logged by hand
One active timer at a time, with a full edit history.
Step 03
Materials and mileage land on the job
Materials AED 120 · mileage AED 40
Costs attach to the job, not to a pile of receipts.
Step 04
The customer is invoiced
Payment request for AED 900 — link ready to send
Send the link through MOMONIE, WhatsApp, email or text.
Step 05
Activity is reconciled
1 question to confirm before it counts
Nothing enters your statements until you have answered.
Step 06
Maria explains what happened
“This job kept 82% of what you charged. Materials were your only direct cost.”
Built only from what you confirmed.
One spine, many ways of working
However you earn it, the same governed record adds it up.
Activity is attributed by
Job
Every hour, material and mileage lands on the job, so you see the margin per job.
Business activity
Kitchen tap replacement, Dubai
Timer 2h 40m · materials AED 120 · mileage AED 40
Financial outcome
Gross profit AED 740 · margin 82%
Same ingestion, same reconciliation, same statements — only the thing you attribute to changes.
Product demonstration using sample figures.
How MOMONIE works
Watch one job become a
complete financial picture.
Run the work. Know the money. One request, followed the whole way through — quote, calendar, time, costs, invoice, reconciliation and profit.
Product demonstration — sample figures, shown in your market's currency.
01
Customer request
“Kitchen tap is leaking — can you come Thursday?”
02
Maria prepares the quote
Kitchen tap replacement · AED 900 · ready for your review
03
Job enters the calendar
Thursday 09:00 — no clash with your other work
04
Time and costs captured
2h 40m · materials AED 120 · mileage AED 40
05
Invoice and payment activity
Payment request sent for AED 900
06
Reconciliation
One question to confirm before it counts
07
Profit and statements
Gross profit AED 740 · margin 82%
Marketplace
Need something done?
MOMONIE is first about running and understanding your own business. Find is the extra part: customers can search for verified independent workers and merchants near them, or post what they need and get quotes. Posting a job is free.
Jordan's Towing
Vehicle towing · Al Quoz, Dubai · 2.4 km · Available now
Speaks English, Arabic · identity checked
Gulf Road Recovery
Roadside recovery · Deira, Dubai · 5.1 km · Available today
Speaks English, Hindi · identity checked
Share quotes and payment links through MOMONIE, or send the link by WhatsApp, email or text.
Verified by the work itself
Trust you can point to.
Every badge on your profile comes from something that actually happened inside MOMONIE — a booking, an invoice, a payment, a customer.
Verified profiles
Identity checked, contact confirmed, payment account connected.
Verified jobs
Job counts come from real bookings completed inside MOMONIE.
Verified reviews
Only customers from a real job can leave a review.
Identity documents are stored privately and are never shown on a public profile.
MOMONIE’s verification layer expands as the platform grows. Some verification signals and trust features roll out progressively by market and account.
Continuous financial care
Business happens every day. Financial understanding should happen every day—not only at tax time.
Ask the ordinary questions when they occur to you: what did that job keep, what is still unpaid, can I afford this van, why was last month thinner than it felt.
Maria answers from confirmed records and explains the why, so there is no January reconstruction of a year you already lived through.
When something needs a professional — a filing question, a structure decision — MOMONIE says so plainly instead of pretending to be your accountant.
MOMONIE helps you create a W-9, organise 1099-ready income and expenses, and keep reconciled Schedule C-ready records together for tax preparation. You remain in control of the records you review and share. MOMONIE does not file taxes on your behalf.
Pricing
Pick the plan by what you want it to do.
Annual is approximately one month free.
MOMONIE Start
Run the work.
Everything you need to quote, schedule, invoice and get paid.
$49.99/ month
- Business profile and public storefront
- Customers, quotes and jobs
- Calendar and scheduling
- Time tracking
- Invoices and payment requests
- Expense capture
- Earnings and cash visibility
- Maria operational assistance
- English and Spanish
- Support requests with photo evidence
Most chosen
MOMONIE Pro
Know every job.
Job costing, reconciliation and profitability on the work you do.
$99.99/ month
Everything in Start, plus
- Full time tracking with edit history
- Complete job costing
- Estimate versus actual
- Materials, mileage and subcontractor attribution
- Bank and card statement import
- Commerce ingestion for Shopify
- Reconciliation and exception queue
- Business and personal allocation
- Advanced profitability intelligence
MOMONIE CFO
See the whole picture.
Statements, Financial DNA and Maria's plain-language CFO reading.
$149.99/ month
Everything in Pro, plus
- Profit & Loss
- Balance Sheet
- Cash Flow
- Period comparisons and CSV/PDF downloads
- Maria CFO intelligence
- Financial completeness and readiness
- Financial DNA
- Capital-readiness tools
Special founding prices are available to the first 500 paying businesses. View terms and conditions.
*Available initially in selected EU countries. More coming soon. All plans include a 30-day free trial. Taxes and third-party charges may apply where applicable.
MOMONIE product demonstration
Watch MOMONIE work.
See how MOMONIE connects the entire business cycle—from customer request and quote to job, time, invoice, payment, reconciliation and profit.
Watch the demonstration, then explore the working product for yourself.
Open the interactive demoYou did the work.
Know what you made.
Business made stupidly simple.™—from the first quote to the full financial picture.