How it works

Three minutes to set up. Seconds a day after that.

No bank connection, no credentials to hand over, and no six-month import to babysit before the numbers mean anything.

Good afternoon,

Alex

Here's your financial overview for September 2026.

This month
Income vs expenses
Spending by categoryWhere your money goes this month

Total spent

$4,210.00

↓ 5%

vs last month

  • Housing38%$1,600.000%
  • Groceries21%$884.006%
  • Transport14%$589.0011%
  • Eating out12%$505.0018%
  • Subscriptions8%$337.0015%
  • Other7%$295.00

Housing is 38% of spending this period.

Recent transactions
View all
  • 16 SepSalarySalary · Chase Checking+$4,210.00
  • 15 SepWhole FoodsGroceries · Amex Gold−$126.40
  • 15 SepChase Checking → Ally SavingsTransfer · Chase Checking$1,000.00
  • 14 SepLent to HannahTransfer · Chase Checking$240.00
  • 13 SepUberTransport · Amex Gold−$24.80
Budget overview
View all
Total budget
$3,200.00
Spent
$2,315.00
Remaining
$885.00
  • Groceries$884.00 / $950.0093%
  • Eating out$505.00 / $600.0084%
  • Transport$589.00 / $700.0084%
  • Subscriptions$337.00 / $300.00112%
The MoneyOps 360 dashboard: $8,420 of income and $4,210 of expenses in September, $23,050.18 across accounts with $1,845.60 owed on cards, a weekly written summary, an income-versus-expenses chart, spending split by category, recent transactions, budget progress, upcoming bills, and savings goals.
01

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.

02

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.

03

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.

Step one, in detail

Add what you have right now

Open each account, read the balance, type it in. That balance is the opening position — it is never counted as income, so your first month's figures are not distorted by money you already had.

Net worthAssets minus what you owe
$21,204.58$23,050.18 assets · $1,845.60 owed
Chase CheckingChecking$8,240.18Available $8,240.18
Ally SavingsSavings$14,500.00Emergency fund + goals
Amex GoldCredit card−$1,845.6023% of $8,000 limit
23% used
WalletCash$310.00Cash on hand
Step two, in detail

Record as it happens

Amount, category, account. Transfers between your own accounts are their own kind of entry, so moving money never inflates your spending — the single most common way a tracker starts lying to you.

Recent transactions
View all
  • 16 SepSalarySalary · Chase Checking+$4,210.00
  • 15 SepWhole FoodsGroceries · Amex Gold−$126.40
  • 15 SepChase Checking → Ally SavingsTransfer · Chase Checking$1,000.00
  • 14 SepLent to HannahTransfer · Chase Checking$240.00
  • 13 SepUberTransport · Amex Gold−$24.80
The usual objections

Answered before you ask

These are the three reasons people give up on a money app. Each one is a design decision here.

No bank login, ever

You enter balances yourself. There are no banking credentials in this system to leak, and no aggregator sitting between you and your money. That is a deliberate trade: a few seconds of typing for one fewer thing that can go badly wrong.

No history to backfill

Start from today's balances. The numbers are correct going forward from the moment you finish setup — you do not owe the app three months of receipts before it becomes useful.

It lives on your home screen

Install it like an app on iPhone or Android and recording a coffee takes about as long as paying for it. The daily path is the one built to be fastest, because an app you abandon tracks nothing.

Give it three minutes

Add your accounts, record one transaction, and you will already know more than your banking app has ever told you.

Read the FAQ