Frequently Asked Questions
Do I need to connect my bank account?
No. MoneyPeas is fully manual, so you enter your income and expenses yourself. Most budgeting apps start by asking for the credentials to your bank, which means a third party holds a key to your account for as long as you use the app, and when one of them shuts down or changes hands, that key is part of what changes hands. MoneyPeas never asks, because it has no use for it: there is no connection to authorise, no permissions screen, and no credentials of yours for us to lose. The iPhone app goes further, with no account at all and nothing that leaves your phone. For the long version, including what to do instead of bank syncing, read how to budget without linking your bank accounts.
Is MoneyPeas really free?
Yes. Tracking your money is free and stays free: unlimited income and expense entries, custom categories, your monthly dashboard, your history and your savings goals. No ads, and no card required to sign up. There is an optional one-time upgrade if you want extras like budget limits and fixed expenses, but you never have to buy it.
Does it work on mobile?
Yes, two ways. There is a native iPhone app on the App Store, and the web app works in any mobile browser, including on Android, where you can add it to your home screen.
What is the difference between the iPhone app and the web app?
The iPhone app needs no account at all. No email, no password, no sign in, and nothing sent to us: your entries stay on the phone and back up to your own iCloud. The web app needs an account because it stores your data for you, but it works on any device including Android, and it is the one with email reminders. They are separate apps and they do not sync with each other. The iPhone app page compares them line by line.
How many categories are there?
Seventeen expense categories and six income categories out of the box, and you can add your own with your own icons. Every entry gets a category, which is what makes the dashboard and the insights useful later.
Can I set a savings goal?
Yes, and it is free. Set a monthly goal and the dashboard shows a progress ring against what you have actually put aside, so you can see how the month is going without doing the arithmetic.
Does Pro transfer between the iPhone app and the web app?
Not automatically, because the App Store and our web checkout are separate payment systems. But if you have bought Pro on one and want it on the other, email moneypeas@proton.me with your receipt and we will set it up for free. Nobody should pay twice for the same thing.
Is my data secure?
On the web app your data is stored securely and you can switch on two-factor authentication for extra protection. We do not sell or share your information, and we never hold a bank login for you because we never ask for one. On the iPhone app the question does not arise: nothing leaves your device.
Why not just use a spreadsheet?
Spreadsheets are great if you enjoy maintaining one. MoneyPeas gives you the same manual control with a faster interface, categories that are already set up, and a dashboard you do not have to build.
What is in Pro?
Pro adds fixed expenses, budget limits, advanced insights and CSV export. It is for people who want to plan the month ahead rather than only record what they have spent.
Is Pro a subscription?
No. Pro is a single payment and it is yours permanently. MoneyPeas has never had a subscription and is not going to get one.
Can I get my data out?
Your entries are yours. Pro includes CSV export, and if you are on the free plan and want your data, email us and we will send it to you.
