MoneyStyle is a completely free personal finance tracker that shows you exactly where every dollar goes. All 30 features are free — forever. Want AI powers like receipt scanning and Money Pilot? Just bring your own OpenAI API key, or let us set it up for you.
This month
$2,847
-12%
Receipt scanned
5 items · $23.76
You check your bank, see the balance, and have no idea what happened this month.
Paper receipts pile up. You promise yourself you'll review them. You never do.
You buy the same groceries every week but never know which store is actually cheaper.
The numbers don't lie — and most people don't track them.
$7,951
average credit card debt per U.S. household
Federal Reserve, 2024
32%
of Americans maintain a household budget
Gallup, 2023
20%
more saved per month by people who track expenses
NBER, 2022
“Tracking every dollar isn't about restriction — it's about awareness. When people see exactly where their money goes, they naturally make better decisions.”
Sources: Federal Reserve, Gallup, NBER
Log transactions, scan receipts with AI, and get real-time dashboards with spending heatmaps, category breakdowns, and trend predictions.
Take a photo of any receipt — AI extracts every line item, categorizes it, and logs the transaction. Works with English, Arabic, and Farsi.
Build a shopping list and AI compares prices across every store you've ever shopped at — from your own data. Split across stores for max savings.
See how it worksNo setup. No complexity. Just sign up and go.
Sign up in 10 seconds. No credit card, no subscription. All 30 features are yours — completely free.
Add a transaction manually or snap a receipt — AI extracts everything. Import bank CSV for instant history.
Set your own OpenAI API key in Settings to unlock receipt scanning, Money Pilot, and more. Or message us — we'll set it up for you.
See how AI-powered finance tracking compares to manual methods.
| Feature | MoneyStyle | Spreadsheet | Basic App |
|---|---|---|---|
| AI Receipt Scanning | Yes | No | No |
| Price Comparison | Yes | No | No |
| AI Money Pilot | Yes | No | Limited |
| Multi-Currency | Yes | Manual | Limited |
| Budget Alerts | Yes | No | Yes |
| Investment Tracking | Yes | No | No |
| Subscription Detection | Yes | No | No |
| Developer API | Yes | No | No |
| Free to Start | Yes | Yes | Varies |
Everything you need to manage your money — and then some.
Real-time overview with spending heatmaps, category breakdowns, trend charts, and expense predictions.
Log every transaction with categories, tags, line items, merchants, and multiple accounts.
Snap a photo of any receipt and AI extracts all line items automatically.
Set monthly limits per category with alert thresholds. Get alerts before you overspend.
Set savings targets with deadlines, track progress visually, and stay motivated.
Track cash, gold, crypto, stocks, ETFs, bonds, and more. Know your net worth at any time.
Manage loan payments and recurring bills with progress tracking and due-date reminders.
Define income sources with deposit schedules, record deposits, and link to transactions.
Connect bank transactions to installment, bill, and income records automatically.
Compare prices across merchants and track your personal inflation rate.
Build shopping lists and find the best store for each item — or the whole basket.
Split expenses with friends and family, track who owes whom, and settle debts.
AI-generated weekend plans based on your preferences, city, budget, and companion type.
Weekly meal plans based on what you actually buy. AI generates recipes and shopping lists.
Full support for multiple currencies with automatic conversion across everything.
Payment reminders, budget alerts, and monthly reports — all delivered via Telegram.
Parse bank SMS messages with custom regex patterns to auto-create transactions.
Import bank CSV statements or Telegram chat exports to bulk-create transactions instantly.
Manage multiple accounts — bank, wallet, exchange, cash — each with its own color and icon.
Your annual spending recap — top categories, biggest expense, favorite merchant, and trends.
AI analyzes your bills and recurring expenses to find subscriptions to cancel and costs to reduce.
Monthly calendar showing income, bills, and expenses day by day with projected balance chart.
Chat with your finances — ask questions like "how much did I spend on food?" and get instant answers.
AI-powered financial growth plan with exact amounts, platforms, and timelines tailored to your finances.
Track stocks, ETFs, and bonds with live prices from Yahoo Finance. See gain/loss and portfolio performance.
AI auto-detects recurring payments from your transactions — Netflix, Spotify, gym — with monthly totals.
Create a household, invite your partner or family, and see everyone's spending in one place.
Full REST API for transactions, categories, and accounts. Build automations and custom integrations.
Personalized tips based on your real data — budget warnings, savings rate, emergency fund status, and more.
Not generic tips — real insights based on your actual spending, income, and habits.
Receipt Scanner
Photo to line items
Money Pilot
Investment tips from data
Item Grouping
Auto-normalize names
Weekend Plans
Based on your taste
Meal Plans
Recipes from purchases
Shop Optimizer
Best store for basket
We treat your financial data like our own — with maximum security and zero compromises.
Your financial data is encrypted at rest and in transit. Always.
No ads. No data brokers. No third-party tracking. Period.
All 30 features are free. AI features use your own OpenAI key — or we can set it up for you.
Join 10,000+ users who track their spending with MoneyStyle. Every feature is free — no subscriptions, no hidden fees. AI features use your own OpenAI key, or we can set it up for you.
Free forever. AI features need an OpenAI key — see pricing details