Your money. Finally understood.
Bring in your transactions and MoneyOS tells you, in plain English, where your money went, what’s quietly costing you more, and what to do about it. Ask it anything.
Early access opens soon. No bank login needed to start.
You’ve spent $2,081 so far. At this pace you’ll finish about $350 over what you planned.
Three things worth a look
- Spotify quietly raised its price. That's $5 more every month.
- Cloudline charged you twice on Oct 3. Worth a look.
- Your $79 refund from Nordway still hasn't arrived. We're watching for it.
Can I afford to spend $500 this weekend?
MoneyOS Yes, if you ease up on eating out. That’s where the room is this month.
Click the card to flip it. Illustrative example, not real account data.
See the whole picture. Not just the transactions.
Spending by month, by category, and by merchant, with recurring charges pulled out and this month set against last. No statements to read line by line, no spreadsheet to keep alive.
Every purchase tells you something. MoneyOS connects the dots.
Spent
$2,081
Recurring
$214
9 subscriptions
Versus last month
+4%
| Category | Amount | Change from last month |
|---|---|---|
| Groceries | $612 | +3% |
| Dining out | $438 | +18% |
| Shopping | $341 | −9% |
| Utilities | $290 | 0% |
| Subscriptions | $214 | +5% |
| Transport | $186 | −2% |
Find the money you didn’t know you were losing.
Recurring charges hide in plain sight. MoneyOS reads every statement line and tells you which ones have quietly grown, which ones you may have forgotten, and which refunds still haven’t arrived.
Find forgotten subscriptions
Recurring charges are grouped by merchant so you can see how long each one has been running and what it has cost.
Peloton App
$12.99
- Since
- Aug 2025
- Charges
- 14
- Total so far
- $181.86
No matching activity in six months. Still want this one?
Spot unexpected price increases
The same merchant’s charges are compared over time, so a quiet bump shows up the month it happens.
- Mar 1Spotify Premium$12.99
- Apr 1Spotify Premium$12.99
- Oct 1Spotify Premium$17.99
Up $5.00 a month since March. About $60 a year.
Keep track of your refunds
Returns are matched to the original purchase, and a refund that should have posted by now gets flagged.
- Sep 24Nordway Outfitters$79.00
- Oct 2Return accepted in store$79.00
Refund expected by Oct 8. Not posted yet. We'll tell you when it lands.
Your money deserves a second set of eyes.
Stay ahead of surprises with intelligent alerts that highlight what deserves your attention. MoneyOS learns what normal looks like for you, then speaks up when something is different.
Alerts are informational. MoneyOS points things out, and you decide what to do. It isn’t fraud protection and doesn’t replace your bank’s.
Two identical charges on the same day
Cloudline Hosting charged $49.00 twice on Oct 3. Could be a retry, could be a mistake. Worth checking before it posts.
A bill that's higher than usual
Your electricity bill is $212, about 40% above your usual $150. It may be seasonal, but it's a change.
A budget you're close to
Dining out is at $438 of your $500 for the month, with twenty days to go.
An unusually large charge from a familiar place
Trader Joe's charged $312 on Oct 9. Your usual trip is around $85.
Ask your money anything.
Your financial history is full of answers. Instead of filters and reports, just ask. MoneyOS reads your own transactions and replies in plain language, with the lines it used.
- Where did most of my money go last month?
- Which subscriptions have increased in price?
- Find duplicate charges from the past 90 days.
- What expenses might be tax deductible?
- How much am I projected to spend this month?
- Summarize my biggest financial changes this week.
MoneyOS can also write you a weekly summary, explain a spending pattern that changed, and suggest where there’s room to save.
You
MoneyOS
You
MoneyOS
Don’t overlook expenses that could matter at tax time.
MoneyOS spots transactions that look like business expenses, sorts them into categories, and keeps a running report you or your tax professional can review. Built for freelancers, consultants, and anyone who works for themselves.
MoneyOS flags possible deductions for review. Whether something is deductible depends on your situation and the rules that apply to you. It isn’t tax advice.
Software subscriptions
- Adobe Creative Cloud$59.99
- Notion$10.00
Professional services
- Hale & Ortiz Accounting$350.00
Business travel
- United Airlines$412.60
Equipment
- Keychron$189.00
Know where your money is headed.
MoneyOS looks at what you’ve spent so far, the bills still to come, and how your months usually go, then shows where this one is likely to land against your target.
You’re projected to spend $4,250 this month, about $350 above your target.
Forecasts are estimates. They update as new transactions arrive, and an unusual week can move them.
Financial clarity in three steps.
No long setup and no spreadsheet to maintain. Start with a file you already have, and let MoneyOS do the reading.
- Step 1
Connect or import
Upload a transaction file from your bank or card, or securely connect supported accounts through an authorized provider as we add them.
- Step 2
Let the intelligence work
MoneyOS categorizes every transaction, groups recurring charges, learns your normal, and writes its notes in the margin.
- Step 3
Take smarter action
Review what it found, ask questions, set budgets and alerts, and decide what to change with the full picture in front of you.
Your financial data should stay yours.
Money is the most private thing most people own. MoneyOS is built around transparency and your control, not slogans.
- Start without a bank login
- Import a transaction file and see everything MoneyOS can do before you connect anything.
- Delete everything, any time
- One action removes your transactions, your notes, and every insight built from them.
- Know what the AI sees
- Every answer shows the transactions it used. Nothing is inferred from data you can't see yourself.
- The full security model, in writing, before launch
- How your data is stored, who can access it, and how account connections work will be published before MoneyOS holds a real account. We'd rather show you than promise you.
Make every dollar make more sense.
One place to understand your spending, discover savings, spot unusual activity, and plan what comes next. Early access opens soon.
Questions, answered plainly.
Which banks and cards work with MoneyOS?
At launch you can import a transaction file (CSV) from any bank or card, which nearly every institution lets you download. Direct connections through an authorized financial-data provider are planned, and we'll list supported institutions as they're added rather than before.
Can I use it without connecting a bank account?
Yes. Importing a file gives you every feature on this page. Connecting an account is optional and only there to save you the download.
How much does it cost?
MoneyOS is free during early access. Pricing will be announced before any paid plan exists, and people on the waitlist hear first.
How is my financial data protected?
You can start without a bank login, delete all your data at any time, and see exactly which transactions the AI used for every answer. The full security model, including storage and access, will be published before MoneyOS holds a real account connection.
How accurate is the AI?
Answers are computed from your own transactions, and every answer shows the lines it used so you can check it. Merchant names are messy, so a category or match can occasionally be wrong. You can correct it, and MoneyOS remembers the correction.
Does MoneyOS give tax advice?
No. It flags transactions that look like business expenses and organizes them for review. Whether something is deductible depends on your circumstances and applicable rules, which is a question for you or your tax professional.
How do spending forecasts work?
They combine what you've spent so far, recurring charges still to come, and how your past months have gone. They're estimates, and they update as new transactions arrive.