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AI for money management

See all your money.
Understand your patterns.
Manifest your
dreams.

MoneyYogi brings your whole financial life, personal and business, into one clear place. It surfaces your patterns and tracks the actions that build a healthier financial future.

Connect with Plaid in two minutes · Read-only · Bank credentials never stored

Personal · July

Last sync 6 minutes ago

Cash flow

  • Money in
    $9,140
  • Money out
    $7,062
  • Net cash flow
    $2,078

Net worth

$284,600

Recurring · 9 tracked

$412/mo

  • Adobe Creative Cloud$59.99
  • Gym — auto-renew$89.00
  • + 7 more you'd stopped noticing

Financial intention

Own the building by 2029.

What to do next

  • Review 14 new transactions
  • Split $740 of personal charges off the business card
  • Cancel two subscriptions you stopped using in March
  • Move $560 into the October fund
Unreviewed transactions: 0 — ready for reports.
01The problem

Most people carry their money in their head.

Scattered across a few banks, a couple of cards, a business account, and a list of bills you hope you remembered. You're not bad with money — you're operating without information. So you guess, and guessing feels like failing.

Right now

Five apps, two banks, and a rough feeling about the balance.

With MoneyYogi

Accounts linked through Plaid, refreshed daily, with a last-sync stamp so you know it's current.

Right now

Business and personal money blurred into one blur.

With MoneyYogi

A context toggle that keeps the two sets of books completely separate — and lets you flag or split any transaction between them.

Right now

A 47-point plan that made you feel worse and never got finished.

With MoneyYogi

One weekly Money Checkup and one to three tasks. That's the whole ask.

02Awareness · Understanding · Manifest

Anxious, then clear,
then confident.

Nothing changes until you're willing to look at it plainly. So the app is built in that order — and it won't rush you to step three.

01Awareness

"Know where you stand."

  • Banks, cards and loans linked through Plaid — or added by hand when a bank isn't supported
  • Business and personal kept in separate workspaces, one toggle apart
  • Net worth tracked over time, with your business as a single asset on the personal side
  • A file vault, so statements and documents live with the numbers instead of in a drawer
02Understanding

"Make sense of it."

  • Transactions sorted on arrival; fix one and the rule remembers the merchant forever
  • Recurring charges tracked in their own view, with a monthly total
  • Money in, money out, debt, savings and net cash flow — where you already are
  • Ask a question in your own words and get an answer built from your numbers
03Manifest

"Do something about it."

  • Budgets by Fixed, Flexible and Non-monthly — targets against what actually went out
  • Goals with a suggested monthly contribution and a real date attached
  • An always-on checklist that stays one to three items long
  • Share with a spouse, your accountant or your advisor — scoped to exactly what you choose
03The weekly ritual

The Money Checkup.

Fifteen minutes, once a week or once a month — your choice. Four steps, always the same four — the MoneyYogi method that turns review into a rhythm instead of a decision. If you are starting from scratch, our guide on how to track your expenses walks through the setup.

  1. 01

    Review what came in

    New transactions, already sorted. Confirm, split, or flag business versus personal. Usually a two-minute job.

  2. 02

    See what moved

    Money in, money out, net worth, and what changed since last time — with the reason it changed, not just the number.

  3. 03

    Adjust the plan

    Nudge a budget target, move a goal date, retire a goal you've outgrown. Plans are meant to be edited.

  4. 04

    Pick one to three tasks

    Never more. They land on your checklist with reminders, and they're waiting for you next time.

04Everything in the app

Everything in the app.

Built for the hardest version of this problem — a business and a household run out of the same brain. If you only have the household, you get a tool engineered for a harder case than yours.

01

Business / Personal toggle

One control at the top. Two sets of books that never commingle.

02

Accounts, linked or manual

Plaid for banks, cards and loans. Manual entry when a bank won't play.

03

Transactions & splits

Bulk edit, split one charge across both books, tag anything.

04

Rules & merchant memory

Correct a merchant once; every future charge lands in the right place.

05

Fixed / Flexible / Non-monthly

Budgeting that survives an irregular month, with targets against actuals.

06

Recurring tracker

Every repeating charge in its own view, with a monthly total.

07

Insights where you are

Money out, debt, savings and net cash flow views — not a separate report.

08

Net worth over time

A real timeline, plus manual assets and debts with last-updated badges.

09

Goals & intention

A target, a date, a suggested monthly amount — under one written intention.

10

Always-on checklist

One to three tasks with due dates and reminders. Never a wall of them.

11

File vault

Statements, receipts and documents kept beside the accounts they belong to.

12

Shared spaces

A spouse, an accountant, your advisor — each seeing only what you allow.

05Beyond the software

Want to work with a human advisor?

Josh works one on one with a limited number of clients through Money Holistics, a Texas registered investment adviser.

MoneyYogi is software. Planning and investment advice happen at Money Holistics, a separate firm.

Josh works one on one with a limited number of clients through Money Holistics, a Texas registered investment adviser. MoneyYogi LLC provides software only and does not provide investment advice.

06Book a demo

Book a demo.

Thirty minutes, on your calendar. A guided walkthrough of the product (accounts, transactions, budgets, and net worth), plus answers to your questions about how it works.

  • A live tour of the personal and business views, side by side
  • How connecting accounts, categories, and rules actually work
  • Straight answers about setup, security, and pricing

A product walkthrough, not a sales pitch. If MoneyYogi isn't right for you, I'll say so.

Joshua Humada, Founder of MoneyYogi

Joshua Humada

Founder, MoneyYogi

Pick any open slot on my calendar for a product walkthrough.

30 minutes · Video or phone · Free product walkthrough

07Pricing

One plan. Everything included.

No commissions, no products sold to you, no minimums. Cancel any month.

MoneyYogi

$20/ month

The system and methodology to organize your accounts, budgets, and net worth on your own.

  • The MoneyYogi system and method
  • Unlimited accounts and transactions
  • Shared personal and business spaces
  • Budgets, goals, and net worth snapshots
  • Read-only sync and 2FA security
Start 14-day free trial

14-day free trial.

See full pricing →

MoneyYogi is not an investment platform. We don't manage portfolios, sell securities, or take commissions — we help you see and run your own money.

08Getting started

Ten minutes to the whole picture.

Link an account and MoneyYogi does the rest — sorted transactions, recurring charges found, a first task waiting. Nothing to import, nothing to reconcile by hand.

  • Read-only Plaid connection — bank credentials are never stored
  • Encrypted in transit and at rest, with your own data export any time
  • Delete your account and everything in it, whenever you want

Create your account

14-day free trial · Cancel anytime during the trial and you won't be charged.

or

Step out of the illusion.
Into the known.

Once you can see where you stand, your picture starts telling you things so that you can change your money story.

14-day free trial · Cancel anytime during the trial and you won't be charged.