"Can't I just use a spreadsheet?"
You can. Here's the difference.

A spreadsheet stores numbers. Moneydy keeps them alive, and does the maintenance for you.

Your spreadsheet

Moneydy

Stock & crypto prices

Typed in by hand, stale by lunch

Refresh themselves with live quotes

Charts & reports

You build and fix every chart

Draw themselves as you spend

Staying on budget

Re-check formulas at month-end

Budgets count down in real time

Where it lives

One file on one computer

Phone, tablet and laptop, always in sync

Getting started

Starts empty, stays manual

Bring a whole month in at once with the template (CSV/Excel)

Knowing when to act

You remember to check. Or you don't.

Price alerts watch your targets for you

And unlike bank-sync apps: no bank login, ever. You decide what goes in, and your data stays yours.

Everything you need to
master your money

Twelve powerful tools working together to give you complete financial clarity.

Dashboard

Get a complete financial overview with interactive charts and real-time visualizations of your spending patterns.

Transactions

Log every income and expense effortlessly. Filter, search, and understand exactly where your money goes.

Accounts & Net Worth

Everything you own and everything you owe, in one place — bank, savings, investments, your home and the loan against it. Balances update themselves from your transactions, and your net worth is tracked month over month.

Budgets

Set monthly budgets and get clear visibility into your spending limits. Never overspend again.

Budget Alerts & Summaries

Moneydy tells you when a budget hits 80%, and again at 100%. Every Monday it emails you a summary of the week. No dashboard-checking required.

Savings

Track your savings goals and watch your progress over time. Build the financial cushion you deserve.

Investments Beta

Stocks and crypto in one portfolio, with prices that refresh themselves. See returns over any period, sector allocation, dividend yields, 52-week ranges and the next earnings date, without touching a formula.

Price Alerts

Set a target on any stock or crypto, whether you own it or not. Moneydy checks prices hourly and tells you the moment one hits, in the app or by email.

Support Tickets

Get help whenever you need it. Submit support tickets directly from the app and our team will assist you every step of the way.

Import & Export

Import in bulk from a spreadsheet. Download the template, fill it in (handy when moving over from a bank export), and Moneydy brings every transaction in at once. Export back to CSV or Excel anytime.

Goals

Define financial goals like a new car, a trip or an emergency fund, and track your progress with clear milestones until you get there.

See the full picture
at a glance

This is what your money looks like after one import: every screen below answers a question you're already asking.

app.moneydy.com/dashboard

"Where do I stand?" Income, spending, what's left and where it went, on one screen.

"Can I still spend this month?" Your budget counts down with every expense.

"What's eating my paycheck?" Spending sorted into categories you define.

Don't take screenshots' word for it

Open the live demo: a real account pre-filled with three months of sample data. No signup, no email, nothing to type. See exactly what you'd get before you enter a single number.

Try the Live Demo

Investment Portfolio Tracking

Beta

Monitor stocks and crypto side by side: live prices, returns over any period, sector allocation and price alerts on the tickers you care about.

app.moneydy.com/stocks

Stock Portfolio

app.moneydy.com/crypto

Crypto Portfolio

Three money questions.
Three answers.

Setup takes about 3 minutes: just an email, no credit card, no bank login. Here's what you get for it.

"Where does my money actually go?"

Download the template, paste in your bank's export, and a whole month lands at once, sorted into categories you control, or add entries in a couple of taps. Either way you instantly see the split: housing, groceries, that subscription you forgot you had.

"Can I afford this right now?"

Set a monthly budget once. Every expense counts it down in real time, so you see what's actually left to spend today, and find out before you overspend, not at the end of the month.

"Am I actually getting ahead?"

Spending, savings, stocks and crypto roll up into one live number, with prices that refresh themselves. Watch it month over month and know, not guess, that you're moving forward.

Want the answers before entering anything? Open the demo with sample data \u2192

IRS sem dores de cabeça.

Your capital gains and dividends already laid out by the boxes on the Portuguese IRS return, with no midnight spreadsheet on 30 June.

FIFO worked out for you

Every sale is matched against the purchases behind it, oldest first. One sale that eats three purchases becomes three lines, each with its own acquisition date.

Converted at the transaction-date rate

Bought in dollars and sold months later? Each leg is converted at the rate of its own day, in euros, not at today's rate, which would give a different number.

Anexo J and Anexo G, ready

Acquisition value, disposal value, expenses and source country, kept apart the way the form asks. Dividends under Q8A. Exports to Excel.

Stocks only. Not tax advice: check the figures before you submit.

Start free, grow when ready.

Basic tools free forever. Unlock everything with Premium for less than a coffee.

Monthly Annual Save €16

Free

€ 0 /month

Everything to get started.

Up to 30 transactions/month
2 accounts
20 categories
12 monthly budgets
Up to 5 savings entries
Basic dashboard
Up to 3 investments

Get Started Free

Spending, savings, and investments.
One number.

The free personal finance app, in your language and your currency

"Can't I just use a spreadsheet?"
You can. Here's the difference.