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
Mocy app showing a budget gauge with category breakdown bubbles
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 gauge and category bubbles Budget strategy picker Spent per category overview
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
A M J S
Choose your budgeting strategy for a shared event
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, an expense tracker that respects my time. The voice input is a game-changer — I log a coffee before it's even cold."
S
Sarah M.
Designer · uses Mocy daily
★★★★★
"Event mode saved my sanity during our group vacation. Everyone knew exactly what they owed by the time we landed."
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 got the categories right almost every single 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 monthly charts showed me I was spending $200 on takeout I didn't even remember. Eye-opening."
J
James W.
Marketing lead
★★★★★
"My partner and I share a budget now. No more 'who paid for what' arguments at the end of the month."
A
Aisha K.
Architect
★★★★★
"Switched from a $9/month app and don't miss a thing. Mocy does more and gets out of my way."
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