AI budget planner
Ask better questions about your money.
Mossy turns transactions, budgets, subscriptions, and net worth into plain-language AI insights you can actually act on.
Most money apps show charts. Mossy lets you ask what the charts mean. You can review spending changes, identify subscriptions, understand budget pressure, and get clear explanations from an AI financial copilot.
The goal is not to replace your judgment. It is to make the information easier to read, faster to review, and more useful when you are making everyday decisions.
What AI adds to budgeting
AI is most useful when it has context. Mossy can connect your budget, transactions, balances, recurring charges, and net worth into explanations that are easier to act on.
- Ask why spending changed this month.
- Spot categories that are moving faster than usual.
- Find unused or duplicate subscriptions.
- Summarize financial health signals in plain language.
Built around your full financial picture
Mossy is not only a chatbot. It is a budgeting and personal finance app with structured tools behind the AI experience.
- AI-powered budgeting and money insights
- Category budgets with live spending progress
- CAD spending and net worth tracking
- Recurring subscription detection
- Household money sharing
- Read-only bank connections through Plaid
- 30-day free trial with no credit card required
Mossy snapshot
Budgets, net worth, subscriptions, households, and AI in one app.
Frequently asked questions
Is Mossy a budgeting app?
Yes. Mossy is a budgeting app, budget planner, spending tracker, net worth tracker, and AI money manager built for people who want one clear place to understand their finances.
How much does Mossy cost?
Mossy costs $12.99 per month on a monthly plan, or $9.99 per month when billed annually at $119.88 per year. Every account starts with a 30-day free trial.
Does Mossy move money from my bank account?
No. Mossy is not a bank and cannot move money from connected external accounts. Account connections are read-only where supported.
Is Mossy financial advice?
No. Mossy provides software tools and informational insights. It is not a bank, broker, investment adviser, tax adviser, or legal adviser.