Your whole financial life.
One app. Eleven trackers.
Eleven trackers in one place — budget, subscriptions, debt, net worth and the rest — plus a shared household budget, pocket money for the kids, and trips split fairly with friends. Everything saves on your phone the moment you type it, offline included.
Free plan, no account needed to start. Paid plans from $19.99 a year.
Goals that fill like the real thing.
Every savings goal in the app is a jar that fills as you save — money in, the level rises, a full jar means you made it. Live in the app today.
Your money stays on your phone.
Type what you spend, scan a receipt, or let it read the payment alert your bank already sends you. However it gets in, it is written to your device — not to somebody's server for safekeeping.
📱On your device
Your numbers are written to the phone as you type them. Sharing with a household is the one thing that syncs, and only what you share.
✈️Works with no signal
Everything is saved on the device as you type. A plane, a basement, a dead zone — it behaves the same.
🧠The coach runs on-device
Ask it where your money went and it answers from your own numbers. Nothing is sent anywhere to do it.
Everyone else
✕Link your bank to start
✕Your data on their servers
✕Ads and usage tracking
Money HQ
✓No bank login, ever
✓On your phone by default — sharing is the one thing that syncs
✓No ads. No usage tracking. Nothing sold.
Sharing money with the people you live with is not the same as splitting a trip.
So they are two different things in the app, and neither one is a compromise.
One household, one budget
For the people you actually live with — a budget you both see, bills that repeat, and a space for each kid.
- ›Both of you see the same numbers change
- ›Regular payments that repeat, with reminders you can snooze
- ›Kids get their own space — chores that pay, pocket money, savings jars
- ›Anything shared rolls up into one line on your own budget
Trips, roommates, the group chat
For everyone else. A group per trip or per flat, and the fewest payments that get everyone even.
- ›Scan the receipt and split it line by line
- ›Split evenly, by share, or by who ate what
- ›It works out the fewest transfers to settle up
- ›Anyone joins with a short code — or just scans the group's QR
Real screens, not mockups.
Every one of these is the app running, on a phone.
Eleven trackers.
Turn on the ones you want.
Your home screen shows only what you've switched on — most people run three or four.
❤️Money health score
Savings rate, emergency fund, debt load and budget adherence, scored out of 100 — with the one change that would move it most.
📸Scan a receipt Android app
Photograph it and the lines come out itemised, ready to split or file. In the browser you can still attach the photo and type the amount.
💳Reads your payment alerts Android app
When your bank or wallet pings you, it catches the amount and holds it until you say where it goes. Nothing is ever saved on its own. Reading notifications is something only the installed app can do.
Each tracker, in depth — plus search across all eleven at once, and a "Coming up" timeline of everything due
💰Budget
Every dollar, planned and paced.
- 50/30/20 plan with targets
- Spending pace & projection
- Duplicate catcher
- Income & bills by month
- Categories, tags & methods
- Budget rollover · Pro
- Excel export · Pro
🔁Subscriptions
Renewals, trials, and the truth about yearly cost.
- Trial watch — warned before it ends
- Price-hike alerts
- Flag-to-cancel savings
- All renewals with due dates
- Monthly · daily · yearly views
💳Debt Payoff
A plan you can actually follow to zero.
- Balance-transfer optimizer · Pro
- Interactive extra-payment slider
- Debt-free date & interest saved
- Snowball or avalanche
- Per-debt payoff order
📈Net Worth
Own minus owe, tracked over time.
- Future-you projection
- Assets minus liabilities, snapshotted
- Growth chart & milestones
- Cash, property, pensions
📊Portfolio
Every holding, honestly valued.
- Rebalancing hints
- Tax-loss ideas
- Live prices built in
- Cost basis & return
- Allocation & concentration
💸Dividends
Your payout calendar, month by month.
- Which months actually pay
- Yield on cost
- Per-holding income
- Annual & monthly averages
🎯Trading Journal
Know which setups actually make you money.
- Streaks & discipline card
- Max drawdown
- By-market · long vs short · by-day
- Win rate · profit factor · expectancy
- Setups & notes
📚Business Books
The side hustle, on a clean profit line.
- Invoices owed
- Business income & expenses
- Category reports
- Tax set-aside
🛡️Insurance
The safety net you forget until you need it.
- True yearly cost of cover
- Renewal reminders before lapse
- Home · auto · life · health
- Policy numbers & documents
➗Split & Settle
Group money, without the spreadsheet.
- Settle up in one tap
- Group runs in its own currency
- Receipt photos & chat
- Anyone can join — not just family
🧒Kids & Teens
Pocket money that teaches something.
- No child account, ever
- Chores, goals & wishlist
- Parent-approved requests
- PIN-gated both ways
A score, a grade, and
the one thing to fix.
Most money apps hand you charts and leave you to work out whether you're doing well. Money HQ scores seven habits into one number out of 100 and tags the weakest one 🎯 start here
- ›One number, one letter. A ≥ 85 · B ≥ 70 · C ≥ 55 · D ≥ 40.
- ›Nothing hidden. Every habit shows its own score, its target and how far off you are.
- ›Only what you use. A habit counts towards the score once its tracker is switched on and has data — so an empty tracker never drags you down.
- ›Worked out on your phone. No bank connection, no signal required.
The seven habits behind the score — and what each one is worth
And the patterns underneath it — Insights, in the same app
📅Your spending calendar
Every day of the month, shaded by what you spent. The pattern shows itself.
📊By day of the week
Which weekday quietly costs you the most, totalled across everything you've logged.
🏬Top places you spend
Your money by merchant, biggest first. Revealing straight after a bank statement import.
🧾Biggest this month
Your five largest single purchases, ranked — usually one or two explain the month.
🌿No-spend days
Current streak, best streak and the month's tally, counted automatically.
🪙Round-up savings
What rounding every purchase up to the nearest $1 or $5 would have set aside.
📈Your health over time
The score is logged once a day and charted, so progress is visible rather than felt.
💸This week's spending
The last seven days as one number, measured against the seven before it.
Ask it anything.
It stays on your phone.
It reads every tracker on your device and answers in plain language — no account behind it, nothing transmitted, and it works with no connection at all.
- ›Not a chatbot service. There is no server on the other end.
- ›"What's due this week?" · "Who owes whom?" · "Am I saving enough?"
- ›Your health score and every projection are computed on-device too.
- ›Five questions a day free, unlimited on Pro.
The details are the product.
Every one of these is in the app today — nothing on this page is a roadmap.
🎯Trades land in your Budget
Log a trade or a dividend and that month's Budget shows each as its own labelled line. A losing month honestly lowers your safe-to-spend — it never hides.
⚡Bills pay themselves
Mark a bill as autopay and on its due day it's marked paid and deducted from your budget — once per cycle, never twice.
🧮Safe to spend
One number for the month. Tap it and see the exact arithmetic behind it: income − bills − subscriptions − insurance − spent − savings.
🏷️Auto-categorize
Your own "contains X → category" rules, plus one-tap starter sets for Canada and the US. Tap any category to see the expenses behind it.
📄Statement import
Open your bank's CSV or PDF statement. It's read on your phone — nothing uploaded — you review every row, and repeating bills are spotted for you. Free includes one import.
🔁Budget rollover Pro
Unspent grocery money doesn't evaporate at midnight on the 31st — carry what's left of a category into next month.
➗Settle into Budget Pro
Settle with a Split & Settle group and your share posts straight into your personal Budget, so it counts in your spending. Joining stays free — show the group's QR, they scan it with the camera, they're in, receipts split line by line.
🔥Debt toolkit Pro
Snowball vs Avalanche with a live extra-payment slider, your exact payoff order, amortization schedules, a what-if simulator and a balance-transfer optimizer.
🛡️Subscription Guard Pro
Trial-ending watch, price-hike alerts, spend trend, and subscriptions auto-detected from your imported statements.
📗Google Sheets sync Pro
One spreadsheet in your own Google Drive, a tab per tracker. Your numbers go straight from your phone to Google — never through our servers — and Google's drive.file permission means the app can touch that one sheet and nothing else in your Drive. Data moves only when you tap Sync.
📅Cash-flow forecast Pro
Give it your balance and how you're paid, and it projects your bank account day by day — paycheques in, bills and subscriptions out — and flags the low point before you're in it. With it: a month calendar of every due date, and your year in one table.
🧾CSV & Excel exports
Your numbers are never trapped here. Transactions and trades export to CSV free, any time — and Pro turns every tracker into one Excel workbook, charts and filters included, that opens in Excel or Google Sheets.
💱47 currencies, live rates
Pick your home currency from 47 — live rates when you're online, a rate you set by hand when you're not. Moving countries? It converts everything you've ever logged, keeps a backup, and gives you an undo.
🔒Biometric & PIN lock
Put a passcode on the app, and a borrowed or lost phone shows nothing. In the Android app your fingerprint or face unlocks it, with the passcode as the fallback — checked on your device, like everything else.
The parts that don't fit
on a feature list.
The things people actually use every week. All already in the app.
📜One activity stream
Every expense, payment, trade, snapshot and kid's chore in one chronological feed. When you can't remember whether you logged something, this is where you look.
🎉Year in review
What you earned, spent and saved across the year, and which categories actually took the money. The annual look-back you never quite get around to doing in a spreadsheet.
💬Message anyone in a group
Nudge one person privately, or talk to the whole household. Group chat and 1:1 threads live in the same place as the money. Pro for full threads; free gets one-line notes.
📚Money lessons
Plain-language guides written into the app — 50/30/20, snowball vs avalanche, credit utilisation, compound interest, emergency funds, beating subscription creep. No jargon, no upsell.
🔔Told before, not after
A free trial ending tomorrow. A subscription that quietly went up. A bill due Friday. Someone adding a shared expense. The alerts are about money leaving your account — not about the app wanting attention.
🔁Regular payments, once
Rent, gym, insurance — set them once and they're in every month's budget without retyping. Shared ones get tagged so the household knows who paid.
🏆Family achievements
Earned together, shown the same on everyone's phone. A no-spend streak or a cleared debt is worth more when the household sees it.
🎨Make it yours
Light or dark, your own background photo, a reorderable dashboard, and a currency picker that covers the world — not just dollars.
No bank login. Not ever.
Every big money app is built on a bank feed — you hand over your credentials, they pull your transactions, and you pay $75–$199 a year mostly for that pipe. We refuse the pipe entirely, and everything good about Money HQ follows from it.
🔐Nothing to leak
We never ask for your bank credentials, so we can't lose them. Statements you import are read on your phone and never uploaded. On the Individual plan, your data simply never leaves your device.
🔌Nothing to break
The most common complaint against the big apps is bank sync breaking — re-login loops, months of categories wiped. We have no feed, so there is nothing to reconnect, ever.
💸A different price lane
They charge $75–$199 a year, largely for the feed and the servers behind it. With neither, $19.99 a year is a real business — not a teaser.
| App | Price per year | Free tier | Bank login |
|---|---|---|---|
| YNAB | $109 | No — 34-day trial | Optional |
| Monarch Money | $99.99 – $199 | No — 7-day trial | The core design |
| Copilot Money | $95 — no Android app | No | Effectively required |
| Rocket Money | $84 – $168, + 35–60% of negotiated savings | Limited | Effectively required |
| EveryDollar | $79.99 | Manual-only | Sync is the paywall |
| Goodbudget | $80 | 20 envelopes | Optional |
| PocketGuard | $74.99 | Dropped — trial only | Optional |
| Greenlight (family) | $71.88 – $239.76 | No | It is a bank |
| Splitwise Pro | $39.99 — one person, splits only | ~3 expenses a day | None |
| Money HQ | $19.99 – $39.99 | Real — all 11 trackers | Never |
Competitor prices re-verified August 2026 against each vendor's published pricing page or App Store listing. Our Family plan covers five people — $8 per person, per year.
Free is a real plan.
The paid ones are for households.
Paid plans are billed yearly — no trial to forget about, no card needed to start. And for launch month only, there's a lifetime option.
Lifetime access. Pay once, keep it forever.
For one month from launch, you can buy your plan once and never pay again — every feature of the yearly plan, no renewals, ever. This is temporary launch pricing: when the month is up, these prices are gone and the yearly plans below are the deal.
Lifetime — instead of $19.99 every year.
Lifetime for two — instead of $29.99 every year.
Lifetime for the household — instead of $39.99 every year.
Open the app and pick your plan to claim it. Limited-time launch offer — valid for one month.
All eleven trackers on one phone, for as long as you like — with light daily caps (3 expenses + 1 income a day).
Every tracker, the coach, and the whole of Insights.
Two grown-ups, one shared budget, both seeing the same numbers.
Five seats, plus a private on-device space for each kid — chores, pocket money and savings jars.
Start in ten seconds.
Open it in your browser, or install the Android app. Nothing to sign up for until you want to share with someone.