Develop your ritual for
financial wellness.
Connect your accounts, automate your budgeting, and reach your goals together. A flexible financial platform built for families.
Flexible by design.
Designed for focus.
A calm, fast interface for you.
Universal Web App
Works seamlessly on iOS, Android, and Desktop.
Flexible Budgeting
Use strict envelope budgeting or simple tracking. Your choice.
Zen Mode
A distraction-free interface to categorize transactions in seconds.
Designed for focus.
A calm, fast interface for you.
Universal Web App
Works seamlessly on iOS, Android, and Desktop.
Flexible Budgeting
Use strict envelope budgeting or simple tracking. Your choice.
Zen Mode
A distraction-free interface to categorize transactions in seconds.
Open for extension.
Raw access for your agents and scripts.
Native MCP
Connect Claude or ChatGPT to ask questions, forecast runway, or audit spending using natural language.
Data Freedom
Your data isn't trapped. We auto-sync your transactions to Google Sheets every night and you can always export your data.
Programmable API
Read, write, and extend. Build your own tools on top of your financial data.
Track every dollar, debt, and dividend.
Net Worth
Watch your wealth grow and debt shrink
VTI
Total Stock
$12,450
+12.4%
BND
Total Bond
$4,200
+2.1%
VXUS
International
$3,800
+8.7%
Remaining to Spend
Safe to spend today
Recurring
Smart Alerts
Net Worth
Watch your wealth grow and debt shrink
Remaining to Spend
Safe to spend
Recurring
7 subscriptions
Smart Alerts
The daily ritual.
We find the patterns.
Smart rules catch your subscriptions and recurring bills automatically. The system learns your habits, so the repetitive work happens in the background.
Then, find your flow.
For the transactions that need attention, enter Zen Mode. No distractions, just a focused interface to sort through them quickly.
Stay in the loop.
No need to check the app constantly. We'll send a summary digest or a gentle nudge if you drift off course.
I'll create a categorization rule for Netflix transactions.
We find the patterns.
Smart rules catch your subscriptions and recurring bills automatically. The system learns your habits, so the repetitive work happens in the background.
I'll create a categorization rule for Netflix transactions.
Then, find your flow.
For the transactions that need attention, enter Zen Mode. No distractions, just a focused interface to sort through them quickly.
Chase Sapphire
WHOLE FOODS MARKET
-$127.43
Stay in the loop.
No need to check the app constantly. We'll send a summary digest or a gentle nudge if you drift off course.
Weekly Budget Digest
matcha.money
How we compare.
| Feature | Matcha Money | YNAB | Monarch | Tiller |
|---|---|---|---|---|
| Platform | Universal PWA (All Devices) | Native App (Store) | Native App (Store) | Browser Only |
| Budgeting | Flexible Envelope | Strict Zero-Based | Monthly Limits | Spreadsheet Rows |
| LLM Integration | Native MCP (Open) | Built-in (Closed) | ||
| Data Freedom | Daily Export + API | Manual Export | CSV Download | Auto-Sync |
| Ownership | Self-Funded / Indie | Private / Established | VC Backed | Private / Self-Funded |
| Cost | Starts at ~$36/year | ~$109/year | ~$100/year | ~$79/year |
Sustainable software,
funded by you.
No ads. No VCs. Just a secure, automated hub for your finances. All for less than the price of a latte.
Leaf
The essential blend. Automated syncing and reports.
Billed annually at $35.88/year
- 5 Data Streams (Cash, Credit, Investments, Loans)
- Daily Bank Sync
- Smart Alerts (Budget & Balance)
- Email Reports
- Everything in Seed
Estate
The complete experience. Multi-user access for families.
Billed annually at $69.99/year
Save ~17%
- 15 Data Streams
- Real-Time Sync
- Family Sharing (Multi-User)
- Custom Alerts (Advanced Logic)
- Everything in Leaf
Leaf
The essential blend. Automated syncing and reports.
Billed annually at $35.88/year
- 5 Data Streams (Cash, Credit, Investments, Loans)
- Daily Bank Sync
- Smart Alerts (Budget & Balance)
- Email Reports
- Everything in Seed
Estate
The complete experience. Multi-user access for families.
Billed annually at $69.99/year
Save ~17%
- 15 Data Streams
- Real-Time Sync
- Family Sharing (Multi-User)
- Custom Alerts (Advanced Logic)
- Everything in Leaf