Personal & family finance

You earn money.But are you getting richer?

Your money is scattered across cards, cash, deposits and different currencies — and no one sees the whole picture. ExtMoney pulls it into one living net-worth dashboard: what you really have, where it all goes, and whether you're growing month to month. Log entries by voice, receipt photo or statement import — no manual routine.

Start freeSee the demo

Free forever · no card required · 2-minute setup

No adsYour data stays yoursMulti-currency
ExtMoney transactions dashboard with monthly income, expenses and tagged entriesExtMoney transactions dashboard with monthly income, expenses and tagged entries
Switching from another app? Bring your history.
MintYNABMonarchCopilotCSV import

Earning well, yet never quite ahead?

The money is there. The clarity isn't. Four reasons the picture never adds up:

Scattered everywhere
Cards, cash, deposits, a couple of currencies — no single place shows what you actually own.
Trackers you quit
Notes, spreadsheets, an expense app — they work for two weeks, then the manual routine wins.
Shared-budget chaos
One family spreadsheet, endless “where did the money go?” — and no one really knows.
Where's your data going?
Mint shut down, apps leave whole regions, histories vanish. Trusting them with your money feels risky.

One clear picture of your capital

Everything scattered money needs to become one living net-worth view — accounts, currencies, planning and reports in one place.

Transactions
Income, expenses, transfers, lent & borrowed debts. Keyboard-first entry.
5 account types
Cash, bank accounts, credit cards, deposits with compound interest, loans with annuity or differentiated payments.
Multi-currency
Unlimited currencies, automatic rates, correct date-based conversion.
Family budget
Workspaces with roles. Shared accounts — each person sees their own and the common pool.
Planning
Recurring transactions — daily, weekly, monthly, yearly. Auto-posted on schedule.
Goals & tags
Savings goals and groups. Tags for anything you want to track.
Reports
Overview, period comparison, charts by account and tag.
ZenMoney import
Via Bearer token: accounts, tags, transactions — one pass.
Data export
Export everything in one click — CSV/JSON, GDPR-ready, no vendor lock-in.
Net worth, not an expense tracker

See what you're actually worth

Multi-currency accounts with live rates roll up into one net-worth figure — and its trend. Stop guessing and finally see the real bottom line.

Every currency, converted at live and historical rates
Net worth over time — are you growing month to month?
Currency exposure with ±10% / ±20% risk scenarios
Balance and net-worth reports, not just a stream of expenses
ExtMoney reports screen showing net worth and balances over timeExtMoney reports screen showing net worth and balances over time
AI assistant

Log expenses by voice or photo

In the iOS & Android apps

Say it out loud or snap a receipt — ExtMoney drafts the transaction and you just confirm. It understands English, Russian, German, Spanish and French.

Voice input
Speak naturally — a multi-provider engine transcribes and structures the amount, category and account.
Receipt scan
Photograph a receipt and the amount, date and merchant are read automatically.
You always review and confirm — the AI never writes to your books on its own.
Workspaces

Family budgets without arguments

Create a workspace, invite your partner or the whole family. Each person has their own login and shared accounts. You see who spent what and who contributed to the common pool.

Roles: owner, editor, read-only
Private and shared accounts in one feed
Edit history — see who changed what
One subscription for the whole workspace
The Carter Family
J
James
Owner
active · 2 min
E
Emily
Editor
active · 1 h
G
Grandma
Read-only
active · 3 d
Invite up to 2 more people
Privacy

Private by design

We make money from subscriptions — never from your data. No ads, no tracking, no resale.

No ads, ever
No banners, no sponsored insights, no attention games.
Never sold or shared
Your financial data is yours. We don't sell it or hand it to third parties.
Encrypted end to end
TLS 1.3 in transit, AES-256 encrypted off-site backups.
Export anytime
Download everything in open formats whenever you want.
Delete for good
Erase your account and all its data — a real, permanent delete.
Granular consent
You decide what voice, receipt OCR, AI and marketing may do — and can withdraw anytime.

How it works

01
Sign up
Email and password. No card required, no fake free trial.
02
Add accounts
Cash, bank accounts, cards, deposits, loans. Or import from ZenMoney in one click.
03
Log operations
Manually in 2 seconds, or on a schedule. Salary and subscriptions post themselves.
04
Analyse
See where your money goes. Compare months. Set goals and reach them.

An interface you don't drown in

Dense but readable. We don't hide your numbers behind decorative cards.

AccountsAccounts
Accounts
Every account, card and loan on one page
ReportsReports
Reports
Where your money goes
ScheduledScheduled
Scheduled
On mobileOn mobile
On mobile
Savings goals
Mobile apps

Take your net worth everywhere

Native iOS and Android apps, with instant offline access to your ledger.

Download on the App StoreGet it on Google Play

The price is the same on the web and in the apps — no store markup.

Your money deserves clarity. Start seeing all of it — today.

Stop guessing whether you're getting richer or poorer. Bring every account, card and currency into one picture and finally answer “how much do I actually have?”

Create a free account

Free forever · no card required · 2-minute setup · data protected (EU, GDPR)

Already on Mint, YNAB or Monarch? Import your history in a couple of clicks and pick up right where you left off.

Transparent pricing, no hidden fees

A plan for every budget

Start free. Upgrade when you need more — teams, AI, or advanced reports.

Free
$0/mo
forever
Members per team: 1
Teams: 1
Accounts: 5
Transactions / month: 200
AI credits / month: 50
Plus
$4.08/mo
$49 billed yearly
Everything in Free, plus:
Members per team: 2
Accounts: 20
Transactions / month: ∞
AI credits / month: 600
Net worth
Most popular
Family
$8.25/mo
$99 billed yearly
Everything in Plus, plus:
Members per team: 6
Teams: 3
Accounts: ∞
AI credits / month: 2500
Custom dashboards
Business
$20.75/mo
$249 billed yearly
Everything in Family, plus:
Members per team: 25
Teams: ∞
Auto-backup: 1h
Enterprise
Custom
Everything in Business, plus:
Members per team: ∞
AI credits / month: 100000
Net worth
Custom dashboards
FX exposure
Honest web price — no app-store cut

These are the web prices: you pay only the plan, with no App Store or Google Play commission added. Subscribing here on the web is the cheapest way — in-app purchase prices on mobile are higher because the stores take 15–30%.

AI Insights add-on

Math watches your money — AI explains and advises

Anomaly detection is free and statistical. Add AI to get a plain-language explanation of what changed and what to do next.

AI Insights
$2.99/mo
or $29.90/yr
150 AI analyses per month

Plain-language explanations of flagged anomalies plus a weekly AI digest. Works on every plan.

AI Insights Pro
$5.99/mo
or $59.90/yr
500 AI analyses per month

Everything in AI Insights with a higher monthly allowance and a daily digest. Requires the Family plan or higher.

Not sure which plan fits?

Start on Free — upgrade or downgrade anytime, your data always comes with you.

Start free

Frequently asked

TLS 1.3 in transit, AES-256 at rest. Daily backups to a separate region. Two-factor authentication. No telemetry.

Get in touch

We reply within one business day.

hello@extmoney.com
Telegram channel: @extmoney_app
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