Stop guessing where your money goes
You know you're spending too much.
You just don't know where.
moedas.app is a monthly budget planner. Set your income, split it across categories, track what you actually spend — and get a WhatsApp report on the 25th of every month.
No credit card required · 14-day free trial
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09:00"Where did all the money go this month?"
You're not bad with money. You just never had a system. Without a plan, expenses silently expand to fill every euro you earn — and you only notice when it's too late.
The spreadsheet you abandoned
You started one in January. Opened it twice. It's somewhere on your Desktop.
The 'next month' trap
Every month you say the same thing. Next month never comes with a plan.
Blind spending
Your bank balance tells you nothing about what you can actually spend.
Set it up once. Then just live.
Three minutes at the start of the month. That's all it takes.
Set your income
Enter your monthly take-home pay. Choose EUR, MZN, or USD.
€1.800 / mêsChoose your split
Pick 50/30/20 or drag sliders to match your life.
40% neces. · 20% lazer · 40% poup.Log expenses
Add expenses from the app or via WhatsApp. See real-time progress.
Renda €650 · Netflix €5 · Ginásio €25Log expenses from WhatsApp
Send 'Spent €45 at the supermarket' to WhatsApp. The expense is logged instantly. On the 25th of every month, you receive a full budget summary.
Everything you need. Nothing you don't.
Built for people who want a budget that actually sticks.
Smart budgeting
Set your income, choose a template, and instantly see how to split your money across 7 categories.
Expense tracking
Log expenses and see real-time comparisons. Red means over budget. Green means on track.
WhatsApp logging
Send a receipt photo or quick text. Expenses are logged without opening the app. Zero friction.
Household groups
Share a budget with your partner or housemates. Everyone sees the same plan and can add expenses.
Multiple scenarios
Normal month, holiday month, saving mode. Create different plans and switch instantly.
Secure by design
Your financial data is encrypted. Only you can see it. Always.
What our users say
"Finally I know where my money goes. The WhatsApp feature is a game changer — I just send a message and it's done."
Pota
Portugal
Simple. Fair. No surprises.
Cancel anytime. No hidden fees.
Free
Forever free
- Full dashboard & expense tracking
- 7 budget categories
- 2 budget plans (scenario)
- 1 household group
- Unlimited plans & groups
- WhatsApp auto-logging
Monthly
Cancel anytime
- Everything in Free, plus:
- 📱 WhatsApp expense logging
- 📊 Unlimited budget plans
- 👥 Unlimited household groups
- 📅 Monthly report on the 25th
No charge until trial ends
Annual
Billed yearly
- Everything in Free, plus:
- 📱 WhatsApp expense logging
- 📊 Unlimited budget plans
- 👥 Unlimited household groups
- 📅 Monthly report on the 25th
No charge until trial ends
Free plan includes 2 budget plans and 1 group — enough to manage your personal finances. Upgrade for unlimited planning, sharing with more people, and WhatsApp convenience.
The next argument about money
doesn't have to happen.
Start with a plan. Know where your money goes. Actually save.
No commitment · Cancel anytime · 14-day free trial