MoneyOwl: AI Financial Analyst

See where every dollar flows with AI-powered insights. Get instant alerts for unusual charges via SMS, WhatsApp, or Telegram. All your money, one beautiful view.

MoneyOwl is your home base for complete financial clarity. Bring all your accounts (checking, crypto, investments, and real estate) into one beautiful view, visualize where every dollar flows with interactive Sankey diagrams, and get instant alerts when something needs your attention.

Getting started is simple. Connect your accounts and MoneyOwl's AI will auto-categorize your finances, giving you actionable insights in minutes. Your dashboard shows your net worth, spending flows, upcoming bills, and portfolio performance, all in one clear, visual view.

MoneyOwl makes it easy to understand your money today and build better habits for tomorrow, all in one intelligent financial tool.

Track

• Connect your accounts and see everything in one place so you can get a clear view of how your money is moving and track progress on your net worth.
• Visualize your complete financial picture with interactive Sankey flow diagrams that show exactly where income goes and how spending moves between categories.
• Always know what's around the corner with bills and subscriptions tracked in one easy view and notifications delivered via SMS, WhatsApp, or Telegram so you don't miss a payment.
• Get instant alerts when AI detects unusual activity like duplicate charges, spending spikes, or potential late fees.
• Search for any transaction across all of your accounts. No shuffling between apps to find charges or refunds.

Analyze

• Let AI do the work. MoneyOwl automatically categorizes transactions and learns your patterns to get smarter over time.
• View beautiful reports for quick insights on spending trends, category breakdowns, and portfolio performance.
• Track your complete net worth across checking, investments, crypto, and real estate in one unified dashboard.

Budget

• Set spending limits and see visual progress bars that keep you on track without feeling restrictive.
• Get notified when you're approaching budget limits, delivered to your preferred channel.
• Customize your categories and groups to match how you think about money.

Plan

• Create and track progress toward your financial goals.
• Watch your savings grow over time with clear visual tracking.

Stay Informed

• Choose how you want to be notified: SMS for urgent alerts, WhatsApp for daily summaries, Telegram for detailed reports, or email for monthly analytics.
• Get alerts that matter: duplicate charges, unusual spending patterns, and bill reminders.

A Membership With You in Mind Our focus is on building a product that transforms your relationship to money, bringing clarity and confidence to your financial life. As a MoneyOwl member, you'll get access to all the new features we build. We create with our community's feedback in mind.

No Ads MoneyOwl is not supported by advertisers and is designed with the sole purpose of making it easy and intuitive for you to manage your finances. That means we will never interrupt your experience with ads or try to sell you another financial product you don't need.

Private and Secure MoneyOwl uses bank-level encryption, and we never store your financial credentials. Our platform is read-only, so there is no risk of your money moving. We take your privacy seriously and will never sell your personal or financial information to third parties.

MEMBERSHIP DETAILS MoneyOwl is free to start. Upgrade to MoneyOwl Pro for unlimited transaction syncing, advanced AI reports, and priority support.

Privacy Policy: https://moneyowl.app/privacy Terms of Use: https://moneyowl.app/terms