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 a regulated aggregator: you authenticate with them and your bank, never with us, and we never receive your banking username, password or two-factor codes.

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.

Connections you stop using are disconnected automatically after a period of inactivity, with a warning first. An open link to your bank that nobody is using is a risk with no upside. 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, and it's complete: an encrypted archive of everything, protected by a passphrase you choose. It's the file you'd hand to an accountant, keep for a mortgage application, or use to move phones.

We hold no recovery key for it. That's what makes it genuinely yours — and it means a forgotten export passphrase can't be recovered by anyone, including us.

Every number in the app comes from ordinary, tested code: balances, totals, budgets, forecasts, projections. The assistant's job is to put those results into a sentence, and to propose things — a category, an entry from something you typed, a figure read off a receipt.

It has no way to write to your ledger. That isn't a rule it's asked to follow; there is no code path from the assistant to your books. It proposes, you confirm.

The everyday intelligence runs on your device. The optional cloud tier is off by default, and when it's on, requests are cut down to things like totals, category names and date ranges — never account numbers, balances or a dump of your transactions. See the security page for exactly what may and may not leave.

AI Actions meter that work: 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 generated on your phone and held in its secure hardware. There's no account holding your finances on our servers.

Set an app passphrase, and optionally add Face ID, Touch ID or a fingerprint on top for convenience. Anything destructive or exfiltrating — exporting, deleting your data, changing your privacy settings — always asks for the passphrase, never just a fingerprint. The app also locks itself after a period of inactivity.

Notifications carry no financial content: the words are composed on your device after it's unlocked, so a lock screen never shows an amount, a merchant or a balance. The full policy is the Privacy Policy.

There's a 14-day free trial of the complete Personal plan. After that, 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 subscription lapses, nothing is deleted. New entries and bank sync stop, but everything you've recorded stays readable and exportable — indefinitely.

Open Settings → Privacy & Security → Delete all my data. This permanently erases the on-device ledger, your attachments and settings, and purges the encryption keys — which also makes any leftover encrypted copy unreadable rather than merely hidden.

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.