MoCo - Money with Confidence

MoCo - Money with Confidence

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About this app

MoCo – Money with Confidence

MoCo is your personal finance coach, built to help you take real control of your financial life. Whether you're budgeting for the first time or building serious wealth, MoCo gives you the tools, tracking, and guidance to make it happen — all in one clean, easy-to-use app.
Stop guessing where your money goes. Start knowing.

WHAT YOU CAN DO WITH MOCO
💰 Budget Planner - Set a monthly budget by category and see exactly where every dollar is going. Track your income, plan your spending, and stay on top of your finances month after month.
📋 Expense Tracker - Log every transaction in one place. See your full spending history, spot patterns, and identify where you can save — without digging through bank statements.
📊 Credit Score Tracker - Manually log and track your credit scores across all bureaus — Equifax, TransUnion, Experian, and FICO. Record your scores over time and watch your progress as you build better habits.
🎯 SMART Goals - Set savings goals that actually stick. Whether it's an emergency fund, a vacation, or a down payment — define your target, set a deadline, and track your progress every step of the way.
🤖 Ask MoCo — AI Financial Coach - Get personalized financial guidance 24/7. Ask anything about budgeting, saving, debt, credit, or investing. MoCo gives you clear guidance — like having a financial coach in your pocket.
🗓️ Bills Tracker - Add all your recurring bills in one place — rent, utilities, insurance, subscriptions, loans, and more. See your total monthly obligations at a glance so nothing catches you off guard.
🏆 Vision Board - Visualize your financial goals. Add images of what you're working toward — a home, a car, a dream vacation — and keep your motivation front and center every time you open the app.
📚 Financial Education - Learn the fundamentals of personal finance at your own pace. From budgeting basics to building credit to understanding investments, MoCo teaches you what schools never did.
📈 Net Worth Tracker - Add your assets and liabilities to see your true financial picture. Track your net worth over time and watch it grow as your financial habits improve.

PLANS FOR EVERY STAGE
MoCo offers four flexible plans so you can start where you are and grow as your goals do:
Basic — Core budgeting and expense tracking to get started
Starter — More tools to build real financial habits
Plus — Includes Ask MoCo AI
Premium — The full MoCo experience with everything unlocked

Every plan includes a 7-day free trial. No commitment. Cancel anytime.

BUILT FOR REAL LIFE
MoCo was designed with everyday people in mind — not accountants, not Wall Street. The interface is clean, the language is plain, and the focus is always on helping you move forward.

No confusing charts. No financial jargon. No fluff. Just clarity, confidence, and a real plan for your money.

WHO MOCO IS FOR
People who want to stop living paycheck to paycheck
Anyone who's tried budgeting apps and given up
People building credit from scratch or repairing it
Savers working toward a specific goal
Anyone who wants to finally understand their finances

Download MoCo today and start your journey to financial freedom.

Your money. Your confidence. Your future.

What’s new

CSV export, improved PDF import, and enhanced stability and performance