AI money tracker · Free to download

Stop guessing.
Start controlling your money.

Log expenses with a single sentence. Snap any receipt. Let AI categorize, learn your habits, and surface the truth in beautiful charts — all in your pocket.

Download on the App Store Get it on Google Play
★★★★★ 4.8 · Loved by savers worldwide · No ads, no trackers
The Mocy home screen: budget left to spend, a 50/30/20 strategy card and a month of spending
Voice input
Snap receipt
AI categorize
On-device
10k+ active savers 4.8★ average rating 0 ads or trackers iOS & Android · offline-first
Effortless input

Log expenses in seconds, not minutes

Three ways to capture spending — pick whichever feels easiest in the moment.

Talk to it

"Spent $12 on coffee" — that's it. Mocy parses the amount, category, and merchant automatically. Works offline.

Snap any receipt

Point your camera. The on-device OCR + AI pulls out totals, line items, taxes, and dates. Edit once — never again.

AI that learns you

The more you log, the smarter the categories. Mocy spots patterns, flags overspend, and suggests next moves. Local-first — your data stays on your device.

See it in motion

A full money OS in your pocket

Track everything

Stay on track at a glance

Real-time budget gauges show exactly where you stand. Tap any category to see what made the dent — bubbles scale by spend so the biggest leaks jump out.

Visualize spending

Charts that tell the truth

Daily, weekly, monthly views. Pick the budget strategy that fits your life — 50/30/20, envelopes, pay-yourself-first, or 60%. Your data, your story.

Plan together

Plan together, spend smarter

Shared budgets for couples, families, or roommates. Event Mode tracks group trips and splits the bill — no spreadsheets, no awkward math. Never miss a single transaction across the group.

Budget left to spend, with the 50/30/20 gauges beneath it Spending broken down by category for the month Shared budgets with member avatars on each budget
Proven budgeting

Pick a method that actually works

Four professionally designed strategies, ready to start in one tap.

For beginners

50 / 30 / 20 Rule

Split your after-tax income: 50% needs, 30% wants, 20% savings. The default for a reason.

Discipline

Envelope System

Digital envelopes for each category. When it's empty, it's empty — no more category overspend.

Savers

Pay Yourself First

Move savings before anything else. Mocy automates the transfer so you can't accidentally spend it.

Flexible

60% Solution

Live on 60% of gross. The rest is split between retirement, long-term, short-term, and fun.

AI inside

Smarter every single tap

On-device intelligence parses your voice, reads your receipts, and predicts categories. Private by design — your spending never leaves your phone.

Voice → transaction in < 1s

listening…
"Spent $12.50 on coffee with Sarah"
FOOD & DRINK $12.50 just now

Receipt scan → line items

MARKET ST GROCERY
Bananas 1lb$1.20
Oat milk$4.99
Sourdough$5.50
Tax$0.97
Total$12.66
On your home screen

Check in without opening the app

Pin the numbers you actually look at. They refresh in the background, and the quick-add buttons log an expense straight from the wallpaper.

A widget showing 50/30/20 progress: Needs 61%, Wants 70%, Savings 81%
Your strategy, live
A widget showing $1,648.50 left of a $5,200.00 budget, with 17 days left in the month
What's left this month
A widget listing the last three transactions, above quick-add buttons for voice, typing and camera
Last three, plus one-tap logging
A widget counting down to the next subscription renewal: Netflix tomorrow, Spotify in 6 days, iCloud+ in 12 days
Before it charges you

7 widgets on Android · 4 on iOS · tap any one to jump straight to that screen

A M J S
Event mode: ongoing events on a timeline, each with its own dates
Event mode

Plan events without overspending

From group trips to housewarming parties, Mocy tracks who paid, splits the bill, and shows everyone exactly where things stand. No spreadsheets. No awkward IOUs.

  • Real-time settle-up calculations
  • Smart split (even, weighted, item-by-item)
  • Works without an internet connection
  • Share a summary link with the group
Why people switch

Built around real money habits

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Active savers
0
Average rating
0
Ads or trackers
0%
Of your data, stays yours
Real stories

Loved by people taking back control

★★★★★
"Finally, a tracker that respects my time. The voice input is a total game-changer."
S
Sarah M.
Designer · uses Mocy daily
★★★★★
"Event mode saved my sanity on our group trip. Everyone knew exactly what they owed."
M
Mike T.
Travel blogger
★★★★★
"The streak feature turned budgeting from a chore into a habit. 100 days and counting!"
L
Lisa K.
Software engineer
★★★★★
"Snapped a year of receipts in an afternoon — the AI nailed the categories every time."
D
David R.
Freelance photographer
★★★★★
"The 50/30/20 view finally made my paycheck make sense. I'm saving without even thinking about it."
P
Priya N.
Grad student
★★★★★
"No ads, no nagging pop-ups. It just stays out of the way and lets me track. Refreshing."
T
Tom B.
Small-business owner
★★★★★
"Works perfectly on the subway with zero signal. Everything syncs the second I'm back online."
E
Elena F.
Nurse
★★★★★
"The charts showed me I was blowing $200/month on takeout I didn't even remember."
J
James W.
Marketing lead
★★★★★
"My partner and I finally share one budget. No more 'who paid for what' arguments."
A
Aisha K.
Architect
★★★★★
"Switched from a $9/month app and don't miss a thing. Mocy does more, for less."
M
Marco D.
Product manager

Your money. Your rules. Today.

Download Mocy and join thousands who replaced anxiety with insight. Free to download. Premium when you're ready.

Download on theApp Store Get it onGoogle Play