How MyMoneyConcierge works

Add an entry from the home screen in a couple of taps. Type or say it the way you'd say it out loud — "42.60 groceries, Visa" — and the app works out the account, the category, the amount and the balancing side, then shows you the proposed entry before anything is saved. You always confirm.

Everything else is there when you want it: splits (one purchase across several categories), tags, notes, and receipt attachments. Receipts are read on your device.

Editing never destroys anything. Change an entry and it keeps its history, so you can fix a mistake without losing the record of what it used to say — which matters when you're reconciling against a statement months later.

Moving $200 from chequing to savings isn't spending — you still have the $200. Record it as a transfer and the app books both sides at once: out of one account, into the other, netting to zero. It won't appear in your spending totals or eat into a budget.

This is the single most common source of wrong numbers in other money apps, where a transfer often lands as an expense on one side and income on the other, quietly inflating both.

Add any account you want to track — chequing, savings, cash, credit cards, loans. Each one is either manual (you keep it up to date) or connected (imported automatically, on the Connected plan).

Manual is not a degraded mode. Every feature — budgets, goals, forecasting, reports, reconciliation — works identically either way. Connecting a bank saves you typing, and nothing else.

You can switch an account between connected and manual at any time without losing a single entry. If a bank stops working, or you decide you'd rather not be connected, your history stays exactly where it is.

On the Connected plan you can link up to five accounts. The connection is made through Plaid: you sign in to your bank inside Plaid's own screen, and your bank username and password never pass through MyMoneyConcierge.

Once linked, transactions import automatically. The app matches pending entries to their posted versions as they settle, so a purchase doesn't appear twice, and it prevents duplicates when the same transaction arrives more than once.

Imported data is never the last word. Bank descriptions are kept exactly as sent, but anything you've written yourself — your own description, category or notes — is never overwritten by an import.

You can disconnect a bank whenever you like: that removes the connection at Plaid and destroys the stored access key. Connections are also removed when your subscription ends. You can reconnect any time.

Categorise entries as you go, or let the app propose one and confirm it. An instruction you give always outranks a guess the app makes — correct a category once and it won't quietly re-categorise it back.

Budgets are set per category and per period, with rollovers if you want them. Because budgets are funded from money that actually exists in your ledger rather than from a target you typed, "what's left" is a real number rather than an aspiration.

A goal sets money aside before it's spendable. Put $200 a month toward an emergency fund and that $200 stops counting as available — which is the point.

That's what makes safe to spend different from your balance. It's what's left once everything already committed between now and your next payday — bills, recurring transfers, goal contributions — has been accounted for. It's the number most people actually need and almost never have.

The forecast projects your balance forward from your own recurring income, bills, transfers and goals. It names the tightest day in the period and tells you why it's tight — usually a large bill landing before a payday.

You can try a change before you commit to one: move a payment a few days and see whether the dip clears. Nothing is modified until you say so.

These are projections, not predictions. They're arithmetic on what you've recorded, so they're only as good as what's in the ledger — and real life will differ.

Reconciliation is the step that turns a rough tally into records you can rely on: tick entries off against a bank or card statement until the two agree, and mark the period reconciled.

After that, the app treats a bank restatement of an already-reconciled period as something that needs your review rather than something to apply silently — because a number you've already verified shouldn't change behind your back.

Bring history in from CSV, OFX or QFX files — the formats banks and other money apps export. Imported files are checked so the same file can't be loaded twice by accident, and everything arrives labelled as imported so you can always tell where a figure came from.

Export goes the other way: Reports → Take your data with you → Export as CSV, or Export full archive (transactions, budgets, goals, tags, rules and receipts in an open format, with CSV inside). A report can also be exported as a PDF.

To move phones, make an encrypted backup in Settings → Backup and restore, protected by a passphrase you choose, and restore it on the new phone. A forgotten backup passphrase can't be recovered by anyone, including us.

Every number in the app comes from ordinary, tested code: balances, totals, budgets, forecasts, projections. AI Insights put a summary of your figures into plain words, only when you tap Generate Insights or Refresh Insights. Generating them does not change your records.

Cloud AI needs your consent in the Privacy Centre. What is sent is a summary prepared on your phone — totals by account type, monthly income and spending, top categories with totals, debt balances, rates and minimum payments, and merchant names with totals. Individual transactions, descriptions, dates, account names, bank names and account numbers are not sent. See the security page for where it goes.

Each Generate or Refresh uses one AI Action: 25 a month on Personal, 100 on Connected. They don't roll over. Ordinary calculations don't consume any.

Your ledger is stored only on your device, in an encrypted database whose key is held in the iPhone Keychain or Android Keystore. There's no account holding your finances on our servers.

The app can require Face ID, Touch ID or your fingerprint to open your records, where your phone supports it. After the app has been in the background for five minutes, it asks again.

Reminders are local notifications and never show an amount, a payee, an account or a goal's name. The full policy is the Privacy Policy.

Every new install includes a 14-day free trial of the Personal features — no card, nothing to cancel. Bank connections are not part of the trial. After that, a plan is required: Personal is $7.99/month (or $79.99/year) and Connected is $10.99/month (or $109.99/year). Connected adds bank connections for up to five accounts and a larger AI allowance; every other feature is identical on both.

Billing is handled by Apple or Google — manage or cancel from your device's store account settings, and use Restore Purchases in the app if you reinstall or switch phones. Step-by-step cancellation instructions are on the support page.

If your trial ends or your subscription lapses, nothing is deleted. The app is locked until you subscribe, but from the locked screen you can always export or delete your data.

Open Settings → Delete everything on this device. This disconnects your banks at Plaid, ends the app's sessions with our server, destroys the encryption key and deletes your records from the phone.

It's immediate and irreversible, and we can't recover it for you, so export first if there's any chance you'll want your history later. Full detail, including bank disconnection and what's kept, is on the delete your data page.

Recording, editing, budgets, goals, reports, forecasts and export all work with no internet at all. The core app doesn't depend on our servers to do its job — which is also why an outage on our side can't stop you using it.

Only three things need a connection: bank sync, the optional cloud AI tier, and checking your subscription.