For households, individuals & learners

Know your
flow.

The money app the whole household uses. See where every dollar goes, share only what you choose, and help your students build habits that last.

New accounts are paused while we finish setting things up.

The MoMoFi dashboard on a phone, with a financial health score of 74 and a reminder that a bill is due soon.
28 days free with no card
Two-factor sign-in built in
Export your data anytime

One app for the
whole household

Share budgets, lists and goals, keep private whatever you'd rather not share, and on the Family plan, let students earn their allowance, all of it or on top of a base amount.

Parent

Post a chore with a bounty

Set the dollars. Assign it, or leave it up for grabs.

Student

See only what's theirs

Other students' chores stay hidden.

Student

Mark it done

It lands in your approval queue.

Money

Approve, and it's on the books

Recorded in their account, only ever once. You hand over the cash your usual way.

MoMoFi keeps the record, not the money. It never moves funds between accounts.

Made for where you are

MoMoFi starts you on a step-by-step journey that fits your situation, so there's never a blank dashboard to stare at.

Your first $500 cushion

Four checkpoints to an emergency buffer most people never get to.

✓

Add your first account

✓

Sort a month of spending

→

Set a savings rule

4

Reach $500 in your emergency fund

Household foundations

Shared accounts, shared budgets and a working chore loop, toward a $1,000 household buffer.

✓

Add everyone's accounts

✓

Set up shared budgets

→

Approve your first chore

4

Reach a $1,000 household buffer

Your first $100 saved

Small milestones for a first job or an allowance: $25, $50, then $100.

✓

Add a savings account

✓

Mark your first chore done

→

Save your first $25

4

Reach $100 saved

A safe drawdown plan

A predictable income from your savings, and a runway that doesn't depend on a good market year.

✓

Add your investments and cash

✓

Set a monthly drawdown

→

Build a three-month runway

4

Reach a six-month runway

A score that
explains itself

Nine parts of your money life, from your safety net to your debts. Each one shows what it's worth, what you've earned and what to do next.

Point at a slice to see its share.Tap a slice to see its share.

Visibility: 13 of 15 pointsVisibility13/15Income tracking: 8 of 10 pointsIncometracking8/10Expense tracking: 8 of 10 pointsExpensetracking8/10Budgeting: 7 of 10 pointsBudgeting7/10Emergency fund: 8 of 15 pointsEmergencyfund8/15Debt management: 6 of 10 pointsDebtmanagement6/10Investing & growth: 3 of 5 pointsInvesting& growth3/5Goals & retirement: 3 of 5 pointsGoals &retirement3/5Cash flow & net worth: 16 of 20 pointsCash flow& net worth16/2074out of 100

Your money
at a glance

Where your money went, what took the most, which months ran tight, and when you'll be debt-free. Pick one to explore.

$6,200.00 in totalSalary — $5,400.00 (87%)Freelance — $800.00 (13%)Salary$5.4kFreelance$800Housing — $1,850.00 (30%)Groceries — $720.00 (12%)Transport — $460.00 (7%)Utilities — $310.00 (5%)Dining Out — $290.00 (5%)Insurance Premiums — $260.00 (4%)Healthcare — $140.00 (2%)Other (2) — $105.00 (2%)Left over — $2,065.00 (33%)Housing$1.9kGroceries$720TransportUtilitiesDining OutInsurance PremiumsHealthcareOther (2)Left over$2.1k
Where last month's income went, from each paycheck to each category.
Housing - $1,850 (44.7%)🏠 Housing$1,850 · 44.7%Groceries - $720 (17.4%)🛒 Groceries$720 · 17.4%Transport - $460 (11.1%)🚗 Transport$460 · 11.1%Utilities - $310 (7.5%)⚡ Utilities$310 · 7.5%Dining Out - $290 (7.0%)🍽️ Dining Out$290 · 7.0%Insurance Premiums - $260 (6.3%)📋 Insurance Premiums$260 · 6.3%Healthcare - $140 (3.4%)🏥 Healthcare$140 · 3.4%Gym - $60.00 (1.5%)🏋️ Gym$60.00 · 1.5%
Your biggest spending categories, and the share of the month each one took.
$0$3.8k$7.5kOct - income $6,200Oct - expense $4,310$6.2k$4.3kOctNov - income $6,200Nov - expense $4,520$6.2k$4.5kNovDec - income $6,900Dec - expense $5,350$6.9k$5.4kDecJan - income $6,200Jan - expense $4,480$6.2k$4.5kJanFeb - income $6,200Feb - expense $3,780$6.2k$3.8kFebMar - income $6,450Mar - expense $4,210$6.5k$4.2kMarApr - income $6,200Apr - expense $4,120$6.2k$4.1kAprMay - income $6,200May - expense $4,390$6.2k$4.4kMayJun - income $7,400Jun - expense $4,600$7.4k$4.6kJunJul - income $6,200Jul - expense $4,180$6.2k$4.2kJulAug - income $6,200Aug - expense $4,240$6.2k$4.2kAugSep - income $6,300Sep - expense $4,020$6.3k$4kSep
Income against spending for the past year, so the tight months stand out.
The MoMoFi budget page, with each category's spending filling toward its limit.
Each budget fills as you spend, and changes colour if you're getting ahead of the month.
$21.6k$14.4k$7.2k$0May 26Oct 26Mar 27Aug 27Jan 28todayMay 2026: $21,600.00 remaining (actual)Jun 2026: $20,780.00 remaining (actual)Jul 2026: $19,960.00 remaining (actual)Aug 2026: $19,140.00 remaining (actual)Sep 2026: $18,320.00 remaining (actual)Oct 2026: $17,500.00 remaining (actual)Nov 2026: $16,680.00 remaining (projected)Dec 2026: $15,846.00 remaining (projected)Jan 2027: $14,998.00 remaining (projected)Feb 2027: $14,136.00 remaining (projected)Mar 2027: $13,260.00 remaining (projected)Apr 2027: $12,370.00 remaining (projected)May 2027: $11,466.00 remaining (projected)Jun 2027: $10,548.00 remaining (projected)Jul 2027: $9,616.00 remaining (projected)Aug 2027: $8,670.00 remaining (projected)Sep 2027: $7,710.00 remaining (projected)Oct 2027: $6,736.00 remaining (projected)Nov 2027: $5,748.00 remaining (projected)Dec 2027: $4,746.00 remaining (projected)Jan 2028: $3,730.00 remaining (projected)Feb 2028: $2,700.00 remaining (projected)Mar 2028: $1,656.00 remaining (projected)Apr 2028: $598.00 remaining (projected)May 2028: $0.00 remaining (projected)Half paid off by Aug 2027half by Aug 27Debt free in May 2028debt free May 28
When you'll be debt-free, with each paid-off debt freeing money for the next.

Finance without
the finance degree

Turn on Beginner mode and MoMoFi swaps the jargon for plain words and walks you through each step. Try the switch, and turn it off whenever you like.

Beginner mode

Plain language, step-by-step guidance

Net worthWhat you own minus what you owe
ReconcileCheck that your records match the bank
Budget envelopeA spending limit for one category
Cash flowMoney coming in vs. money going out

Try everything.
Decide after.

Every signup starts with 28 days of the full Family plan, no card. After that, keep Free or pick a plan. Nothing you've recorded is ever lost.

Free
Run your money by hand, free for as long as you like. Your partner can follow along, and nothing you record is ever lost.
$0  forever
Signups paused
  • Accounts, budgets & a health score that explains itself
  • Paychecks and bills that record themselves, taxes and deductions included
  • Debt payoff plan, forecast & monthly calendar
  • Goals you break into parts and tick off as you go
  • A partner who can see everything you share
  • Receipts (up to 100) & statement import
  • 3 months of charts, 2FA, passkeys & CSV export
Individual
Connect your bank and run it together. Transactions, balances and bills stay current without the typing, and you and your partner both make changes.
$ 11.99/ month 99.99/ year
Signups paused
  • Everything in Free

  • Bank sync for up to 6 banks: transactions arrive on their own, already sorted
  • Your partner makes changes too, with their own private accounts
  • A read-only seat for an advisor or accountant
  • Balances, interest rates & minimum payments that stay current
  • Bills that mark themselves paid when the payment clears
  • A monthly money review, in the app and by email
  • Email alerts for a low balance or a payment coming up
  • 2-year trend charts & custom scoring
  • Unlimited receipts, a year-end tax summary & your device history

Change plan whenever you like. Nothing you've recorded is ever lost: on a smaller plan, anyone it doesn't cover is paused, not removed, and comes back when you move up again.

Built for money.
Held to a higher standard.

🔒

Your data, walled off

Each household, and anything a member keeps private, is protected at the database itself.

🛡

Strong encryption

Bank connections and sign-in secrets are encrypted, with the keys kept apart from the data.

📱

Two-factor, built in

Authenticator apps and passkeys, with backup codes. No text-message codes.

📤

Leave anytime, with everything

Export all of it in one step, or delete your account with a short grace period.

🚫

You're not the product

We earn from subscriptions. No ads, no trackers in the app, no selling your data.

Read the full security overview.

The best time to start
was last month.
The second best is now.

New accounts are paused for the moment. If you already have one, sign in and carry on.

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