An intelligent personal finance platform that combines proactive budgeting, complete financial visibility, and AI-powered insights to help people plan, spend, save, and grow their wealth with confidence.
Budgeting apps make you do the work
Zero-based budgeting works — but manually entering every transaction gets old fast, and most people quit within weeks.
Tracking apps don't make you plan
Auto-sync apps show you where money went — but showing isn't the same as helping you decide where it should go next.
MOAM does both
Auto-categorized imports feed a real budget, so your money has a job without the manual grind.
Covers 4.2 months of expenses
Past, future, and right now
Wealth Monitor
See exactly where your money went.
- Import CSV statements from any bank, card, or wallet — no manual entry
- Transactions categorized automatically and searchable the moment they land
Budgets
Decide where the money you have right now should go.
- Zero-based budgeting — give your money a job before you spend it
- Plans that flex with you as the month changes
You
Know exactly where you stand, right now.
- Real-time position against your budget — on track or off
- Shared missions — budget together with a partner or family
Everything you need, in one app
Unified dashboard
Every account — banking, cards, investments, loans — in one screen. No more logging into five different apps to check where you stand.
Goal-based budgeting
Give your money a job before you spend it. Plan first, spend second — not the other way around.
Cash flow forecasting
See your balance days and weeks ahead. Catch a shortfall before it happens, not after.
Savings goals
Turn "save for a house" into a real target — amount, date, and visible progress toward it.
Net worth & investments
Assets minus liabilities, tracked over time, plus portfolio performance — so you know if you're actually getting wealthier.
Smart automation
Auto-categorize by merchant, split shared expenses, route income into budgets. Set the rule once, forget it.
Reports & insights
Spending by category, merchant, or time — with month-over-month comparisons that show what actually changed.
Debt management
Track every loan and card in one place, simulate payoff strategies, and see your debt-to-income ratio automatically.
AI financial assistant
Ask questions in plain language. Get proactive nudges on overspending and rising subscriptions before you go looking.
Built to be trusted with your money
Encrypted at rest
Bank-grade encryption protects your data at rest and in transit — always on, by default, not an add-on.
Any currency, anywhere
Track and budget in whatever currency you earn, spend, or save in — global support from day one.
Open by design — REST API & MCP
Import, manage, and export your data through a REST API or MCP — connect spreadsheets, scripts, and AI engines directly to MOAM.
How it works
Import
Upload a CSV statement from any bank, card, or wallet. MOAM categorizes every transaction automatically.
Give it a mission
Assign your money a category and a purpose — rent, savings, that trip you're planning.
Track & adjust
Watch the plan stay in sync with reality, and rebalance in a couple of taps when life changes.
Be first when MOAM launches
No spam, just one email when early access opens.