Multi-currency · no bank linking

Multi-currency finance.
Ask it anything.

One private ledger for every account and currency you hold — with an AI that answers from your data. No bank linking. Bring your own AI key. Install on any device.

Free to start · CSV import · multi-currency from day one · Watch the 41-second intro

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 · 41-second intro

See MoneyHome in 41 seconds. No bank linking, the AI assistant, and reports, all in one quick tour.

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

Every account, one searchable ledger.

Bank accounts, savings, credit cards, cash and loans, imported or added by hand. Search across all of it at once, in your own currency.

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.

Understand where it goes.

Income, spending, and net for any period, broken down the way you'd explain it to a friend. Export anytime you need the raw numbers.

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

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
iPhone Android Mac Windows

Install free, no App Store needed. It runs on desktop, tablet and phone.

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.

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.

No bank linking, ever

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

Install anywhere, synced

Add it to any device in a tap, no App Store required, and your finances follow you everywhere.

Import in seconds

Bring your history in from a CSV. Deduped automatically, with transfers matched.

No ads, no data selling

Your spending isn't the product. Export or delete everything, anytime.

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.

Same AI convenience. Without handing over your bank.

 
Cloud finance apps
MoneyHome
Requires linking your bank
Cloud appsRequired
MoneyHomeNever
AI chat over your finances
Cloud appsIn their cloud
MoneyHomeOn your own key
Works with no bank connection
Cloud appsNo
MoneyHomeYes
Install on phone + desktop, synced
Cloud appsVia app stores
MoneyHomeAny device, no store
Your spending used for ads/upsell
Cloud appsOften
MoneyHomeNever

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 your questions are answered by your own AI account, not our hosted assistant.
Yours to take. Export or permanently delete everything, anytime.
Encrypted in transit and at rest, and isolated to your own private account.

Start free. Upgrade when it earns it.

Free is a real tier, not a trial — it does not expire and never asks for a card. Premium lifts the limits and adds the AI assistant.

Prices in USD, billed securely via Stripe. Cancel a subscription any time and you keep access to the end of the period you paid for.

FREE FOREVER

Free

$0

The whole ledger, up to two accounts. No card, no expiry.

  • Manual entry + CSV import
  • 2 accounts, budgets, synced everywhere
  • One currency
  • Core reports, and export anytime
  • No AI assistant — Premium and above
Create free account
MOST POPULAR

Premium

$8/moor $72/year — save $24

Everything, with no limits and the AI assistant included.

  • Unlimited accounts, synced everywhere
  • Full reports: net worth, trends, drill-downs
  • DIY report builder + dashboard & forecast
  • Multi-currency + daily rates
  • AI assistant included — 40 questions/day, or bring your own key
  • Budgets, splits & recurring
Get Premium

Choose monthly or annual at checkout.

ONE-TIME PASS

Founding Supporter

$149 once

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

Early supporter pricing - limited

  • Everything in Premium
  • The app you get today, yours forever
  • AI assistant included — 20 questions/day, or bring your own key
  • Locked founder rates on future add-ons
  • Numbered founding-member badge
Get Founding Supporter

The AI assistant is included on Premium and Founding, with a daily allowance of hosted questions. You can also bring your own API key (Gemini, OpenAI, Anthropic, OpenRouter or DeepSeek), which we do not meter, because those questions go to your own AI account at your own cost.

Premium renews automatically until you cancel. Cancel any time and you keep access to the end of the period you have paid for. Founding Supporter is a one-time payment of $149 — it does not renew and there is nothing to cancel; major future add-ons may be offered separately at locked founder rates.

Prices in USD, billed securely via Stripe. Tax is calculated at checkout where it applies, and the total is shown before you confirm. See our Terms for refunds and what “lifetime” covers.

Your money, on your terms.

Create a free account and start tracking in a couple of minutes. No card, no bank linking, and your data is exportable from day one.

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No bank linking · no ads · free to start Create free account