mooola: Budget & Spend Tracker

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About this app

Track spending and set budgets without linking your bank.

mooola is a private budgeting and expense tracker built around bank statement files. Import a supported statement to review spending, categories, recurring payments and accounts.

Your statement is processed on your device. mooola does not connect to your bank or ask for your banking username, password, PIN or other banking credentials.

BUDGETS AND SPENDING

• Set custom spending limits and assign payments to budgets
• Compare recorded spending with your limits
• Reset budgets monthly, every three or six months, or never
• Track income and expenses from your imported statements
• Explore monthly spending and category breakdowns
• Search and review your transaction history
• Identify subscriptions and other recurring payments
• See activity across multiple imported accounts
• Customise payment names, icons and categories
• Get optional reminders for expected recurring payments and fresh statement imports

OPTIONAL GOOGLE WALLET CAPTURE

On Android versions that support capture, enable notification access to save supported Google Wallet purchases on your device. Capture works in the background, including while mooola is closed. Android grants access to notifications across your device; mooola reads only Google Wallet payment details.

Purchases are added when you next open mooola and can be matched to later statement imports. Capture is optional and can be disabled in Settings or by revoking Android notification access. Wallet notification contents are not uploaded to mooola.

IMPORT YOUR OWN BANK STATEMENTS

Choose your bank, select a supported statement file and let mooola process it locally on your device.

mooola currently supports selected statement formats from:

• Absa
• African Bank
• Capitec Bank
• Discovery Bank
• FNB
• GoTyme Bank
• Investec
• Nedbank
• Standard Bank
• Woolworths credit cards managed by Absa

Support applies to specific statement formats and not every document produced by a supported bank will necessarily import.

Statements from different supported banks, or multiple accounts from the same bank, can be imported and viewed together. mooola also checks overlapping imports to help prevent duplicate transactions.

PRIVATE BY DESIGN

Your banking data stays under your control.

• Statements are processed locally on your device
• Imported transactions and financial records are stored on your device
• No mooola account or login is required
• No banking credentials required
• No remote sync of your financial records
• No advertising identifiers or financial profiling

Optional activity sharing links onboarding choices, features, settings and import outcomes to mooola plan purchases, prices, renewals and cancellations using a generated reference. These records are pseudonymous. Disable in Settings; subscription changes sync when connected. Essential purchase processing is separate. Import diagnostics and feedback are separate choices. No bank records or recordings are collected. We do not sell this data or use it for targeted advertising. Privacy and deletion: mooola.co.za/privacy.

WHAT MOOOLA DOES — AND DOESN'T DO

mooola is a personal finance organisation and expense tracking tool. It presents information from statements you choose to import and supported Wallet payment notifications you choose to capture.

mooola does not provide banking services, connect to or operate your bank accounts, hold or move funds, initiate payments or transfers, provide loans or credit, offer investment services, or provide personalised financial advice.

GROWING STATEMENT SUPPORT

Developed in South Africa and open to more countries. Download availability does not guarantee support for your bank. Optional sanitised import reports help us improve coverage. See mooola.co.za/countries for guidance.

Bank and wallet names identify compatible features. mooola is not affiliated with, sponsored by, or endorsed by any supported bank or wallet provider.

What’s new

Setup now separates optional app activity sharing from import diagnostics, with clearer explanations and controls in Settings. Improvements to onboarding and reliability reporting, without sharing your banking records or recording your screen. Improved imports for selected Absa cheque statements.