Private finance app

See where your money goes. No bank login required.

Log your expenses or import your bank's file. MOY IQ shows where your money goes, what you owe and what's left, with an IQ Score from 0 to 100 that explains every number.

Start free Try the demo with sample data
First time? Check your financial health in 30 seconds, no sign-up →
Free account, email only No card, no bank connection Your transactions stay on your device
0
bank
connections
0
tracking cookies
or ads
100%
on your
device
Left this month
+$1,951
+$2,096 vs. September
Income minus recorded expenses · 22 days left
Spending too fast
Still planned −$692
Income
$4,783
+5% vs. September
Expenses
$2,832
−40% vs. September
Expenses by category
Oct 2026
$2.8KTOTAL
  • Housing46.3%
  • Transportation25.2%
  • Utilities10.4%
  • Food9.4%
  • Other4.4%
  • Entertainment4.2%

In the US, Pro includes Tax Savings for your 401(k).

100% private Your personal finances,
only on your device.
Free to start Core features at no cost.
Pro: $39.99/yr or $4.99/mo.
5 modules Expenses, debts, goals,
budget and more.
Real support We usually reply
within 1 business day.
Your country, your rules

There's a tool for where you live.

Each country gets its own tool, built on its real tax and economic rules. Pick your country and it shows up in your menu.

USA · 401(k) tax savings
How much federal income tax you save with Traditional 401(k) contributions, using 2026 brackets and limits.
MEXICO · Afore tax savings
How much income tax (ISR) you save with voluntary retirement contributions, using the SAT's 2026 table and the 5 UMA cap.
CHILE · APV simulator
How much the government adds (regime A) or how much tax you cut (regime B) when you save for retirement. Uses the day's UF and UTM.
COLOMBIA · AFC and voluntary pension
How much income tax you save contributing to an AFC account or a voluntary pension, with the current UVT caps.
PERU · 3 UIT deduction
What you spend on restaurants, doctors and rent can lower your tax. The app takes it from your daily records.
ECUADOR · Personal expense credit
A tax reduction of 18% of your health, education and food spending, based on your dependents (official SRI table).
SPAIN · Pension plan
How much income tax (IRPF) you save by lowering your taxable base with a pension plan (€1,500 cap).
PORTUGAL · PPR simulator
The income tax (IRS) benefit for contributing to a PPR retirement savings plan, with age-based caps and a projection to retirement.
ARGENTINA · Inflation adjustment
What money from months ago is worth today, using INDEC's official, up-to-date CPI series.
VENEZUELA · Multi-currency panel
Your net worth in bolívars and US dollars with an editable exchange rate, and how exposed you are to the bolívar.
GERMANY · Taxes and work expenses
Payroll deductions (pension, health insurance, solidarity surcharge, church tax by state) and work expenses vs. the flat allowance, with 2026 figures (BMF).

Included in the Pro plan · Educational estimates, not tax advice

Income · Expenses · Debts · Goals · Advisor Mode

What you see
in 30 seconds.

No setup. No tutorial. Open it and start.

Month’s expensesOct 2026 · USD
Income$4,783
Total outflows$2,832
  • Apartment rentHousing · Oct 01Recurring−$1,312
  • Car paymentTransportation · Oct 03Recurring−$389
  • Electricity and waterUtilities · Oct 05Recurring−$146
  • GroceriesFood · Oct 06−$118
  • Movie nightEntertainment · Oct 07−$42
One-time and recurring expenses in one place
Debts and goalsOct 2026 · USD
Debts
  • Car loan$14,862
    Installment $389/mo37.8% paid
  • Credit card$3,140
    Installment $120/mo21.5% paid
Savings goals
  • Emergency fund23%
    $2,100 of $9,000Attention
  • Holiday trip75%
    $1,350 of $1,800On track
Visual progress on every debt and goal
Advisor ModeProfessional view
70/ 100 Healthy situation3 healthy · 1 attention · 1 risk
Financial traffic light
  • Savings rate40.8% — above the 20% minimumHealthy
  • Monthly net flowPositive flow this monthHealthy
  • Debt load47.6% of annual incomeAttention
  • Budgets3 categories over the limitRisk
PDF report for the meetingDiagnosis, alerts and notesReady
Pro plan only · Advanced analysis and reports
Quick check · free

Put a number on your finances.

Four questions and you have your IQ Score from 0 to 100 in 30 seconds. The math runs in your browser. If you want the full breakdown, we ask for your email.

Get my score
How it works

Get started in under 5 minutes.

Free account, no card. No bank connection.

01
Start free
Starter is free and doesn't ask for a card. If you want more, move to Pro whenever you like.
02
Open the app
With Starter, open the app in your browser or install it on your phone and create your free account. With Pro, you subscribe from that same account and it turns on there.
03
Start logging
Add transactions by hand or import your bank's file. No required tutorial. Your transactions are stored on your device.
Try it before you buy →
Why MOY IQ

From this to this.

No apps watching you. No juggling spreadsheets. No paying for features you don't use.

Task
Without MOY IQ
With MOY IQ
Seeing my spending
3 spreadsheets
✓ 1 visual dashboard
Spending categories
No idea what I spend
✓ Totals by category
Debt tracking
On a scrap of paper
✓ Visual progress
Financial health
Not sure I save enough
✓ Status signals
Privacy
Apps with access to my data
✓ Only on your device
An honest comparison

MOY IQ vs. bank-sync apps.

Popular budgeting apps such as YNAB, Monarch, Copilot and Rocket Money pull in transactions by linking your bank accounts. Here's what changes with MOY IQ, including the part they do better.

Bank-sync apps
MOY IQ
Brings in transactions on its own
✓ Yes, from linked accounts
You add them, by hand or from your bank's CSV, Excel or PDF file
Access to your bank accounts
Yes, once you link them, usually through a third-party data aggregator
✓ Never — it doesn't connect to your bank
Where your financial data lives
On the provider's servers
✓ On your device · optional sync is encrypted on your device first
Price
Varies by app and plan
Starter free forever · Pro $39.99/yr or $4.99/mo
Country-specific tax tools
Varies by app
✓ 11 countries: United States, Mexico, Chile, Colombia, Argentina, Peru, Ecuador, Venezuela, Spain, Portugal, Germany

This compares the category, not each app feature by feature. Some of these apps also let you add accounts by hand. Features and prices change, so check each provider's site before deciding.

Walter La Madriz, founder of MOY IQ
The founder

Built to solve a real problem.

I'm Walter La Madriz. I built MOY IQ because I wanted to get my finances in order without connecting my bank and without handing my financial data to a platform I don't control. I couldn't find a simple, private tool that adapts to each country — your currency, your taxes, your categories — so I built one.

MOY IQ doesn't replace financial, tax or legal advice. It's a tool to organize, visualize and better understand your own numbers.

✓ Free to start ✓ Cancel Pro anytime ✓ Financial data stays local ✓ Direct support by email ✓ Installable PWA
Pricing

Pick a plan. Start free.

Which one is for you?
Starter — free forever: track your income, expenses, debts, budget and goals.
Pro — subscription: Advisor Mode, PDF reports, multi-currency and your country's tax tools.

Start free — upgrade to Pro when you want, cancel when you want.

Technical guarantee No bank access Pro turns on in your account
Starter
To organize your own finances
Best if: you want to track your budget, spending, debts and goals in a visual alternative to spreadsheets, without paying.
Free
Free forever · No card · No time limit
  • Automatic monthly budget
  • Income and expense tracking by category
  • Debt tracking with visual progress
  • Custom savings goals
  • Private app — data on your device
  • Import your bank's CSV, Excel or PDF file
  • Export a backup anytime and restore it on any device
  • Installs as a PWA
Start free →
Create your free account with email or Google. No card.
✓ Free forever — no catch, no credit card.
Most complete
Pro
For full control
Best if: you want Advisor Mode, PDF reports, multi-currency and your country's tax tool.
$3.33
/mo
14 days free, then $39.99 a year · Cancel anytime
  • Everything in Starter
  • Advisor Mode: a diagnosis that flags imbalances in your finances
  • PDF reports of your balance, debts and goals
  • Your country's tax tool: deductions, retirement savings and more
  • Debt simulator and a cash-flow projection for the coming months
  • Multi-currency: accounts in more than one currency
Try 14 days free →
First you create your free account (or sign in to yours), then pay by card from there. First charge on day 15; cancel before and you pay nothing. Pro turns on in your account and the key also arrives by email.
✓ Support and a 14-day technical guarantee — if something doesn't work and we can't fix it, full refund.

Prices in US dollars (USD). Pro renews automatically every month or year until you cancel; you can cancel online anytime and keep Pro until the end of the paid period (terms). In the European Union the price is final, VAT included; elsewhere, taxes may apply depending on your location. Advisor Mode and the tax tools are educational and are not financial or tax advice.

MOY IQ Invest beta

Do you invest too?

MOY IQ Invest tracks your portfolio and sizes the risk of each trade with your own rule. Every price shows how current it is.

Free during the beta, in Spanish for now. It's not a broker and it gives no recommendations.

Open Invest (free beta) →
Let's be honest

Is it for you?

It's not for you if…

You want your bank connected automatically. MOY IQ doesn't do that and won't — it's the basis of its privacy, not a missing feature.

You need personalized financial, tax or legal advice. The tools are educational — they don't replace a professional.

You expect Pro to be free too. Starter is free forever; Pro is a subscription at $39.99 a year or $4.99 a month.

It's for you if…

You want your finances in order without handing your bank data to a third party.

You live somewhere with its own tax rules — the US, Mexico, Spain, Germany and more — and want a tool that knows them.

You'd rather enter transactions yourself than give bank access to an app you don't control.

Privacy and access

Your bank isn't in this app.
Neither is your data.

MOY IQ doesn't connect to your bank or ask for bank passwords. You add transactions by hand or import your bank's file, and they're stored on your device. If you turn on sync between devices, your device encrypts the copy before uploading it (details in the privacy policy).

✓ Free account, no card or bank details
✓ Your financial data is stored locally on your device
✓ Manual backups from Settings
✓ Installs as an app on any device
FAQ

Straight answers.

No. MOY IQ Starter and Pro run in your browser or install as an app on your phone. You create a free account with email or Google, with no card and no technical setup. In under 5 minutes you're entering your first transactions.
The account only stores your email and your plan. It gives you access to Starter or Pro, lets you restore Pro on another device and, if you turn it on, powers the encrypted sync between devices. Your transactions are not uploaded to our servers unless you turn on sync. Details in the privacy policy.
Your transactions are stored in your browser or on your device (IndexedDB). If you turn on optional sync between devices, your device encrypts the copy before uploading it; how the key works is explained in the privacy policy. MOY IQ doesn't connect to your bank.
No. MOY IQ never asks for bank passwords or connects to your bank. You add transactions by hand or import the CSV, Excel or PDF file you download from your bank, so your bank credentials never pass through the app.
Choose Starter (free forever) to track income, expenses, debts and savings goals. Choose Pro ($39.99 a year, which works out to $3.33/mo, or $4.99/mo) for Advisor Mode, PDF reports, multi-currency and your country's tax tools. If you're not sure, start with Starter and upgrade whenever you want.
From Settings you can export a full backup of your data. Import that file on any device or browser and everything is back. You can also turn on optional sync between devices, which is encrypted.
MOY IQ adapts to the United States, Mexico, Chile, Colombia, Argentina, Peru, Ecuador, Venezuela, Spain, Portugal and Germany: local currency, adapted categories and tax tools for where you live (401(k) tax savings in the US, APV in Chile, PPR in Portugal, German payroll taxes and more). It's available in English, Spanish, Portuguese and German.
Yes. MOY IQ is a PWA (Progressive Web App). Open the site in your phone's browser, tap "Add to Home Screen", and it works like a native app. No App Store or Google Play needed.
Yes. Starter is free forever. You can also explore the full demo at demo.moyiq.app: enter your name and email and you're in. No card, no purchase, and it runs on sample data so you can see every feature before deciding.
Pro comes with support and a 14-day technical guarantee, counted from the first charge. If something doesn't work and we can't fix it, you get a full refund. Write to support@moyiq.app.
Yes. MOY IQ doesn't assume a fixed salary. You record income as it comes in, month by month, set a flexible budget, and your diagnosis reflects what you actually earned. Starter covers all of this for free.
MOY IQ doesn't connect to your bank and works offline. Unlike apps such as YNAB or Monarch Money, your transactions are stored on your device; if you turn on optional sync, only a copy that your device encrypts before uploading it travels. Starter is free forever; Pro is an optional subscription you can cancel anytime.
Yes. MOY IQ is an offline-first PWA. Once it's installed, it works without a connection: your data is stored locally, so you can record expenses, view reports and check your diagnosis offline.
No. MOY IQ is the personal finance app (expenses, debts, budget and goals) and remains active. MOY IQ Invest is a separate tool to track your portfolio and size the risk of each trade; it is in a free public beta (in Spanish). It is not a broker and gives no recommendations.
Still deciding?

Try MOY IQ free.
No card, no purchase.

The demo asks for your name and email, then you're in. No card, no purchase; it runs on sample data.

Open demo →

Want tips by email? Take the free score check and tick the box; we ask you to confirm by email. See our privacy policy.