Budgeting apps
A budgeting app should do more than record transactions.
Mossy helps you build budgets, track spending, monitor net worth, catch recurring charges, and ask an AI copilot what changed in your money.
Many budgeting apps stop at categorizing transactions. That is useful, but it still leaves you doing the hard work of understanding what changed, what is safe to spend, and where money is leaking.
Mossy is built around the full money picture: budgets, balances, cash flow, net worth, recurring subscriptions, household context, and plain-language AI insights.
What strong budgeting apps should include
The best budgeting apps make it easy to see what happened, decide what to do next, and stay consistent without rebuilding spreadsheets every week.
- Fast account connection and automatic transaction tracking.
- Category budgets that show progress clearly.
- Recurring charge detection for subscriptions and bills.
- Net worth visibility across assets and liabilities.
- Simple explanations instead of raw charts alone.
Where Mossy fits
Mossy combines everyday budgeting with a broader financial dashboard, so your budget is connected to cash flow, debt, savings, household goals, and long-term progress.
- 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.