One app to track expenses.Yours, and your family's.
Fast enough to actually keep up with.
- Add an expense in seconds on your phone — cash, card, any currency
- See where the month went on a proper screen, not a list of rows
- Share it with a partner or the whole household, with real limits on who sees what
- Web
- Mobile web
- iOS & Androidsoon
The problem
Right now, you're guessing.
A banking app, a notes app, a few screenshots, and whatever you happen to remember. None of it adds up to a number.
Bank app
Three weeks behind
Notes app
“coffee 4.20”
Screenshots
Never opened again
Cash
Gone, unrecorded
Messages
“did you pay for it?”
A spreadsheet
Abandoned in March
Receipts
In a drawer
Memory
Optimistic
One ledger
Every account and every currency in a single running total, converted as you go.
One picture, shared
Everyone you share money with sees the same month — as much of it as their role allows.
A month you can read
Not a list of transactions. A savings rate, a trend, and what actually took the money.
Track
Know where it actually goes.
Four accounts in three currencies is normal. A partial picture is worse than none.
Savings rate
26%
of income kept in March
Tracked this month
€4,730.93
across 55 transactions
Net worth
€16,136.98
4 accounts, 3 currencies
- Housing€1,722.0036%
- Food€904.6219%
- Family€641.6014%
- Transport€369.008%
- Utilities€328.507%
- Health€322.307%
- Subscriptions€90.972%
- €EUREurobase—
- $USDUS Dollar1.0850ecb auto
- £GBPPound Sterling0.8420ecb auto
- CHF CHFSwiss Franc0.9380manual
Every currency, properly
Live European Central Bank rates with the euro as the pivot, and a manual override for the day your card gave you a worse rate than the market did.
Summarised, not just recorded
Savings rate, fixed commitments, cash buffer, spending trend, category concentration — computed from your ledger, not typed into a spreadsheet.
Transfers stay neutral
Moving money to savings is not spending. It never counts as either, which is the single most common way a finance app overstates both sides.
The predictable half, handled
Rent, insurance and subscriptions post themselves on a schedule — or ask first, if you would rather confirm.
Anywhere
Add on the go. Sort it out later.
Add on the go
Sort it out later
The server owns the truth, not a file that syncs between devices.
Sign in on a second device and everything is already there.
Every signed-in device is listed, and any of them can be signed out.
Trust
Trust is specific.
“Bank-level security” means nothing. Here is what actually happens, in enough detail to check.
- iPhone 15This deviceiOS · MoneyUp app · Active now
- MacBook AirSafari · Web · 12 minutes agoSign out
- Pixel 8Android · MoneyUp app · YesterdaySign out
- Windows PCChrome · Web · 6 days agoSign out
Passwords and refresh tokens are both hashed
Argon2id for both — not just the password. A stolen database gives up neither.
Every request re-checks the session
Not only the token. The device session and your membership of the workspace are both revalidated on each request, so revoking access takes effect immediately.
Sign-in is rate limited per action
Sign-in, sign-up, password reset and token refresh each have their own limit, keyed on a hash rather than the raw identifier.
Devices are listed and revocable
See everywhere you are signed in and sign any of them out — including one you no longer have.
A PIN lock over the top
Four to six digits, on opening and after five minutes in the background, with Face ID or fingerprint on native. A privacy layer over the account, not a replacement for it — and we would rather say so.
Your data leaves with you
Export the entire workspace as versioned JSON whenever you want, and load that backup straight back in. A format you can read yourself, not one only we can open.
What you get
The things this actually lets you do.
Open any one.
Pricing
Free on your phone. Always.
Capture is what you use every day, so it never sits behind a paywall.
Everything is free while MoneyUp is in beta. These are the prices when it leaves.
Free
Track your own spending, properly.
- Unlimited transactions, on mobile and web
- Unlimited accounts and categories
- Multi-currency with live daily rates
- Recurring rules, posted automatically
- PIN lock and Face ID
- Web is capture and review only — no stats or dashboards
- Just you — no shared workspaces
- One backup export a month
Plus
See what your money is actually doing.
- Everything in Free
- Full stats and dashboards on every device
- Category drill-down, trends and period comparison
- All eight computed insights — savings rate, cash buffer, fixed commitments and the rest
- Share with one other person
- Unlimited backups and restores
Family
For a household that shares money.
- Everything in Plus
- Up to 5 people in one workspace
- Owner, Partner and Contributor roles
- Per-person breakdown of every month
- More than one workspace
- Priority support
Prices in euro, VAT included. Cancel whenever — and your data stays exportable on every plan, including Free.
Full product, any browser.
Same account, built for a phone.
Native apps in testing.