Track together. Split fairly. Stay private. AI receipt scanning, multi-currency, and spending insights — no subscription, no data harvesting.
A clear picture of your spending. No bloat.
Point your camera at any receipt. AI reads the merchant, amount, currency, date, and category instantly. Auto-fills structured notes with line items, tax breakdown, and payment method. Duplicate detection warns you if you've already scanned the same receipt. Works with photos and PDFs.
Link with your partner. See shared expenses side by side. Split with custom ratios (60/40, 70/30, any split), go 50/50, or just share visibility. Your personal spending stays yours.
18 emoji categories ranked by total spending. Tap any to expand and see every transaction sorted by amount, with dates and currency badges.
CAD, USD, GBP, and INR with live exchange rates. Color-coded flag badges. Summaries and exports keep each currency separate.
Month-by-month and year-by-year charts. Proportional bars with totals and percentage change badges. Green is down, red is up.
A GitHub-style activity grid for your wallet. See daily spending intensity at a glance. Spot patterns, streaks, and quiet weeks instantly.
Multi-tab spreadsheet with Transactions, per-currency Summaries, and Monthly breakdown. One click to download.
| Category | Total | % | # Txns |
|---|---|---|---|
| 🏠 Housing | $7,222 | 68.0% | 4 |
| 🛡️ Insurance | $895 | 8.4% | 4 |
| 🍴 Food | $841 | 7.9% | 18 |
| 🚗 Transport | $612 | 5.8% | 9 |
Search by description, category, or notes. Results update as you type.
Set monthly targets per category. Get notified at 50%, 80%, and when you exceed. Anomaly detection flags unusual spending.
Follows your system preference. Toggle manually anytime.
Import bank statements (CSV) or spreadsheets (XLSX) with auto-categorization and smart column mapping.
Built for phones. Works on any screen.
Real-time CAD to USD, GBP, EUR, and INR rates. Always current.
Save together for vacation, a car, or anything. Track contributions and celebrate milestones.
"What was this $80 charge?" Ask right on the expense. Emoji reactions and flag-for-review built in.
AI reads receipts and PDFs. Auto-fills merchant, amount, date, category, and structured notes.
GitHub-style activity grid for your wallet. See daily spending intensity at a glance.
Search by description, category, or notes. Results update as you type.
The features that matter. No fine print.
| Moiety | YNAB | Monarch | Copilot | |
|---|---|---|---|---|
| Price | Free | ~$15 USD/mo | ~$15 USD/mo | ~$12 USD/mo |
| AI Receipt Scanning | ✓ | ✕ | ✓ | ✓ |
| Multi-Currency | ✓ | ✕ | ✕ | ✕ |
| Couples Tracking | ✓ | ✕ | ✓ | ✕ |
| No Tracking, No Ads | ✓ | ✕ | ✕ | ✕ |
| Smart Budget Alerts | ✓ | ✕ | ✕ | ✕ |
Your financial data belongs to you.
Passwords are bcrypt-hashed. We never see them.
Each user's data is fully isolated.
HTTPS encrypted in transit.
No tracking, no analytics, no ads.