Your Money, Finally Organized.Not Just Tracked — In Control.
MoneyOps 360 brings your accounts, cards, income, expenses, transfers, bills, and what people owe you into one place — then tells you what it all means before you spend, not after.
Everything about your money, in one place
Chequing, savings, cash in your wallet, and the credit card you would rather not think about. Add each one with its real balance and the total is finally a number you can act on.
- Credit cards are treated as money you owe, not money you have
- Card utilisation tracked against the limit, not just the balance
- Transfers between your own accounts never count as spending
- One base currency, formatted the way you actually read it
Know where your money actually goes
Six months of income against expenses, split by the categories you chose yourself. Not a pie chart you glance at once — the view you check before deciding what this month can take.
- Housing is 38% of your spending — and you can see it in one look
- Compare any month against the last, category by category
- Every chart has the underlying transactions one tap away
Never lose track of who owes what
The thing every other expense tracker forgets. Lend a friend money, split a dinner, cover a bill for family — it stays on the books with a running balance per person until it is actually settled.
- $1,240 owed to you, $195 owed by you — both counted
- Settle in parts; the balance follows along
- Debts feed into your real position, not a separate note on your phone
- Hannah2 open · since Aug 14+$620
- Marcus1 open · since Sep 2+$380
- Sophie1 open · since Sep 9+$240
- Daniel1 open · since Sep 5−$120
- Emma1 open · since Sep 12−$75
Ask before you spend, not after
“Can I afford this?” is a question about your bills, your budgets, and your goals — not just today's balance. The assistant reads all three before it answers.
- Every figure comes from your ledger — the model explains, it never calculates
- A monthly read on what changed, written in sentences rather than charts
- A first budget drafted from what you have actually been spending
Can I afford a $450 phone this month?
Yes — but it is tighter than it looks.
After the 3 bills still due ($1,663.99) you have $2,190 spendable. The phone leaves $1,740 for 11 days, about $310 below your usual pace.
It also pushes your Emergency fund goal back by roughly three weeks.
- 4 account balances
- 3 upcoming bills
- Sept budgets
- Emergency fund goal
Eight surfaces, one ledger underneath
Each of these reads from the same numbers, so they can never disagree with each other.
Smart dashboard
Every balance, this month's income against its spending, what is already committed, and the one or two things that need attention — answered on a single screen before you have scrolled.
Goals
Name it, set the amount and the date, and the app works out what it takes per month — then tells you honestly whether you are on pace or drifting.
Bills
Rent, utilities, and every subscription you forgot about, scheduled ahead — so what is left is genuinely yours to spend.
Categories
Your own labels, not a fixed list someone else wrote. Every budget, report and insight is built on them, so they follow how you actually think about money.
- Housing
- Groceries
- Transport
- Eating out
- Subscriptions
- Other
Cash flow
Every day of the month, income against everything that left — switchable to weeks or months when you want the trend rather than the detail.
Install it
Add it to your home screen on iPhone or Android and it opens like any other app — own icon, full screen, no address bar, no app store in the way.
Three minutes to set up. Seconds a day after that.
An app you abandon in week two tracks nothing, so the daily path is the one built to be fastest.
Add what you have
Every account you actually use, with its real balance right now. Three minutes, no bank login, no credentials to hand over.
Record as you go
Amount, category, account — a few taps on your phone. Transfers and debts have their own kinds of entry, so the totals stay honest.
Let it tell you things
Budgets warn you while you can still act. The monthly read explains what changed. The assistant answers before you spend.
Start with today's spending
Add your accounts, record one transaction, and you will already know more than your bank app tells you. Free while we are in beta — no card, no sales call.