🔒 No bank linking, ever · Private by design

Ask your money anything. On every device you own.

A private personal finance app with a built-in AI assistant. No bank linking, no ads. Install it anywhere, synced.

Join the early-access list See how it's different
📱 iPhone🤖 Android💻 Mac🪟 Windows · install free, no App Store needed
No credit card · We only email you at launch
See it in action

Your whole financial life, in one private app.

Every account in one place, an AI you can ask anything, and reports that actually make sense. In your browser or installed on any device.

MoneyHome · Transactions
MoneyHome transactions screen: all accounts in the sidebar and a searchable transaction list

Every account, one searchable ledger. Checking, savings, cards, investments, crypto, imported or added by hand.

MoneyHome · Dashboard
MoneyHome dashboard showing net worth, liabilities and cash at a glance

Net worth at a glance. Live totals across every account and currency you hold.

MoneyHome · Reports
MoneyHome reports showing income, expenses and net for the selected period

Understand where it goes. Income, spending and net for any period. Export anytime.

Screens shown with sample data.

Take it anywhere.

Install MoneyHome from the browser onto your laptop, tablet, and phone. No App Store, and it syncs as you go.

MoneyHome running on a tablet
MoneyHome running on a phone

Early build. Mobile and tablet layouts are actively being polished.

The AI finance apps you know all want your bank login.

Monarch, Copilot, Cleo, even ChatGPT's new finance mode. Every one makes you link your bank through a third party and streams your transactions to their servers. MoneyHome doesn't ask for any of that.

🔒

No bank linking, ever

We never ask for, or touch, your bank login. Import a CSV or add transactions as you go. Your credentials stay yours.

💬

An AI that knows your money

Ask in plain language ("am I on track for the deposit?", "what changed this month?") and get answers grounded in your real numbers. Bring your own API key and it runs on your AI account, not ours.

📲

Install anywhere, synced

iPhone, Android, Mac, Windows: add it to any device in a tap, no App Store required, and your finances follow you everywhere in real time.

🌍

Built for multi-currency lives

Track accounts across currencies with real historical rates. Made for expats, travellers, and anyone whose money doesn't live in one country.

⌨️

Import in seconds

Bring your history in from a CSV (MoneyWiz, YNAB, your bank, a spreadsheet). No screen-scraping, no fragile connections that break.

🙅

No ads, no data selling

Your spending isn't the product. We don't run ads, we don't sell or share your data, and you can export or delete everything anytime.

Same AI convenience. Without handing over your bank.

 
Cloud finance apps
MoneyHome
Requires linking your bank
Required
Never
AI chat over your finances
In their cloud
On your own key
Works with no bank connection
No
Yes
Install on phone + desktop, synced
Via app stores
Any device, no store
Your spending used for ads/upsell
Often
Never

Straight answers about your money data.

No dark patterns, no fine print. Here's exactly how MoneyHome handles the most sensitive data you have.

  • ✓No bank linking. We never see or store your bank credentials. Full stop.
  • ✓Synced across your devices through your private account, in real time while you're online.
  • ✓Never sold, never advertised against. Your transactions are not a product we monetise.
  • ✓AI runs on your key. Bring your own API key and questions go to your own AI account, never through our servers.
  • ✓Yours to take. Export or permanently delete everything, anytime.
On the roadmap: end-to-end encryption, so not even we can read your data.
Simple, fair pricing

Pick a plan when we launch.

Track your money free forever. Add the AI assistant when you want it. Early-access members lock in founder pricing. You won't be charged now.

Free

$0

Everything you need to track your money, on every device.

  • Manual & CSV import
  • Budgets & reports
  • Unlimited accounts
  • Single currency ($)
  • Sync up to 3 devices
  • AI assistant
  • Multi-currency
FOUNDER PRICE

Premium

$5/moor $39/year (save 35%)

The full app plus your AI money assistant.

  • Everything in Free
  • AI chat · 300 questions/mo*
  • Need more? AI credit packs
  • Or bring your own key (unlimited, free)
  • Multi-currency + live rates
  • Sync up to 5 devices
LIMITED · 500 SEATS

Founding Supporter

$249 once

Fund private, no-surveillance finance, and own today's app for life.

  • Everything in Premium
  • The app you get today, yours forever
  • Unlimited devices
  • Unlimited AI on your own key
  • Locked founder rates on future add-ons
  • Numbered founding-member badge

* Premium includes 300 AI questions per month (fair use) on our hosted AI, plenty for everyday use. Need more? Top up with an AI credit pack. Or, for maximum privacy, bring your own API key (OpenAI, Anthropic or Gemini) for unlimited AI at your own cost, free from us, so your data goes only to your AI account. The Free plan doesn't include the AI assistant. Founding Supporter is limited to 500 seats and covers today's app forever; major future add-ons may be offered separately, always at your locked founder rate. Prices in USD, billed securely via Stripe.

Early access

Be first in line.

Drop your email and we'll let you know the moment MoneyHome opens up, with founder pricing reserved for early-access members.