The AI Powered Financial Wallet

Quickly automate your bills and savings goals with envelope budgeting and earn rewards

Featured by Leaders of the Finance Community

Why Mooch?

We’re revolutionizing the relationship people have with their personal finances. Through the Envelope Budgeting Method, Mooch is here to help you achieve your financial goals, one envelope at a time.

Take Control of your Budgeting and Saving

Earn Rewards everytime you save money

Free Financial Resources and Guides

Grow with Mooch


We put your bills on autopilot. The cash for each month's expenses is taken out of your paycheck and divided into budget envelopes. Like rent, loans, car payment, and groceries.


Build automatic savings in envelopes. We make saving for goals easy by automatically putting away cash from your paycheck towards your savings goals.


Along the way, we send you money back from envelopes to pay bills when they are due. Each time you complete an envelope, we send you a cash back bonus!

Mooch Guides

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Housing Cost Calculator

Use our calculator to figure out how much house you can afford based on your salary.

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Debt Pay Off Guide

Find out how to pay off loans faster with this template.

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Mini Budget Sheet

Visualize your monthly spending and saving habits.

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This app is awesome!! I haven't budgeted for years and Mooch is actually making it fun.

Sharon T.

San Diego, CA

The best FREE budgeting app, period.

Matthew S.

Miami, FL

I’m pretty bad at managing my spending habits and savings. I love the auto budget idea!

Eric N.

New York, NY

It helps me stay disciplined without a lot of effort.  And I get paid to budget at the same time.

Amanda P.

Austin, TX

Get Started with
Mooch Today

Join thousands of people who automate their budget with Mooch