Meet Mochi,
your money buddy
A cute, simple expense tracker for iPhone. Log a spend in seconds, see where your money goes, and stay on budget every month.
Free to download. No account needed.
Tap Mochi to log a spend
Mochi Money is an expense tracker and budget app for people who found spreadsheets and bank-linked apps too much. Type what you spent. Mochi takes care of the rest.
Small app, whole picture
Four screens cover it: logging, insights, budgets and your home screen.
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Track money in seconds
Tap +, type the amount, pick a category. Mochi says “Logged!” and you’re back to your day.
- Log by voice: “Hey Siri, log an expense in Mochi Money.”
- Put Quick Log on the Action Button or Back Tap to log without opening the app.
- Rent, phone bills and subscriptions repeat on their own once you set them up.
- Payday counts too. Income shows up as “Money in!”
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See where your money goes
Insights turns your month into a ring of categories, so it’s obvious that groceries were 29% and eating out crept up again.
- See this month against last month on a single line.
- Tap any category to see every spend inside it.
- Flip back through past months, or pick your own date range.
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Stay on budget every month
Set one number for the month or give each category its own limit. The gauge shows what’s left and how many days you have to go.
- Every category gets a progress bar and a “left this month” amount.
- Mochi gives you a gentle heads-up when a spend tips you over budget.
- A daily reminder, if you want one, so logging becomes a habit.
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Check in from your home screen
Two small widgets keep the numbers that matter where you’ll see them every time you unlock your phone.
- Spent shows this month’s total and how it compares with last month.
- Left shows your remaining budget and the days left to stretch it.
- Running more than one budget? Choose which one each widget follows.
Cheers you on. Never judges.
Mochi reacts to what you do in the app. It’s there to make tracking feel lighter, not to scold you about a latte.
Hello!
Says hi the first time you open the app.
Logged!
A happy little nod for every spend you save.
On it
Walks you through your plan and Quick Log.
Over budget
A gentle heads-up when a spend tips you over.
Zzz
Naps on the budget tab until you set one.
All set!
Celebrates when your plan is ready to go.
Your money stays yours
No accounts, no ads and no server full of your spending.
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No account, ever
No sign-up, email or password. Open the app and start logging.
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No bank login
You add spends yourself, so nothing connects to your bank. Typing each one in is what makes the habit stick.
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Synced through your iCloud
Your data lives on your device and in your own iCloud, and syncs between iPhone and iPad. We can’t see it.
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Works offline
Log on a plane or on the subway. Everything syncs when you’re back online.
Free to start. Pay once for Pro.
No subscription. Mochi Money Pro is a single purchase that’s yours for good.
Free
$0
Everything you need to start tracking
- Log as many expenses and income as you like
- Monthly budgets with category limits
- Insights for your two latest months
- Home screen widgets, Siri and Quick Log
- iCloud sync between iPhone and iPad
- One account, one wallet and two subscriptions
Mochi Money Pro
$12.99
Pay once. Yours forever.
- Everything in Free
- More insights and your full spending history
- Create your own categories
- Unlimited wallets and accounts
- Unlimited subscription tracking
- Export and import your data as CSV or JSON
US price shown. The App Store shows the price in your country’s currency.
Questions, answered
Is Mochi Money free?
Yes. Download it free and log as many expenses as you like. Mochi Money Pro is an optional one-time purchase ($12.99 in the US) that adds more insights, your own categories, unlimited wallets and accounts, unlimited subscription tracking, and data export and import.
Is there a subscription?
No. Pro is a single purchase. Pay once and it’s yours, with nothing to renew or cancel.
Do I need to create an account?
No. There’s no sign-up, email or password. Open the app and start logging. Here’s why we think that matters.
Does Mochi Money connect to my bank?
No. You add spending yourself, which takes a few seconds. Nothing in the app asks for bank logins, and many people find that typing each spend in is what makes the habit stick.
Where is my data stored?
On your device and in your own iCloud account, through Apple’s CloudKit. It syncs between your iPhone and iPad, and we never see your transactions. The privacy policy has the details.
Does it work offline?
Yes. Logging, budgets, insights and widgets all work without a connection. Changes sync to your other devices when you’re back online. More in how to track expenses without internet.
Which devices does Mochi Money work on?
iPhone and iPad running iOS 26.2 or iPadOS 26.2 or later.
Can I log an expense with Siri?
Yes. Say “Hey Siri, log an expense in Mochi Money.” You can also put Quick Log on the Action Button (iPhone 15 Pro and later) or Back Tap, so logging never needs the app open.
Can I use my own currency?
Yes. Pick your currency when you set up and change it any time in Settings.
Which languages does it support?
English and Japanese.
Can I export my data?
Yes, with Pro. Export to CSV for Excel or Google Sheets, or to JSON as a full backup, and import it again later.
From the blog
Plain-spoken notes on budgeting, privacy and tracking money on iPhone.
- Budgeting
How to set a monthly budget on iPhone that actually sticks
Start from last month, keep it to five categories, and cut 10% where it counts.
Read the guide - Privacy
Expense trackers that don’t ask for an account
Why “sign up to start tracking” is a red flag, and what to look for instead.
Read the post - Offline
How to track expenses without internet
What offline-first really means, and why most apps fail the test.
Read the post
Start tracking
in seconds
Free on the App Store for iPhone and iPad.