Hello from Moola

I built Moola because I wanted to answer one question without opening six tabs: how am I actually doing?

Not "did I overspend on takeout this month." I knew the answer to that. I mean the bigger one. Everything I own, minus everything I owe, and whether that number was moving the right way. For years the honest answer was "probably fine?" followed by a spreadsheet I updated twice a year and never trusted.

Every app I tried wanted me to budget first. Set a limit for groceries, feel bad in week three, stop opening the app. None of them led with the number I cared about. So I made one that does.

What Moola is

Moola is a net-worth app. You connect your bank accounts, add the things that don't connect (a house, a car, a loan from a family member, cash in a drawer), and it shows you one number and how it's been moving. That's the center of it.

Around that number it keeps the things that explain it: your transactions, a financial-health score that tells you what to fix first, goals you're saving toward, and, if you want, a shared view for your household that doesn't require sharing a login.

It's free to use. There's a paid plan if you want more than one linked bank, but the core of it doesn't cost anything, and I'd like to keep it that way.

A few things I decided early

Moola can never move your money. Bank connections are read-only, full stop. There is no button, and no setting, that changes anything at your bank. I wanted to be able to say that plainly.

Your data is yours. Sensitive fields are encrypted with a key that belongs to your account. You can export everything, or delete your account and all of it, from Settings, any time. No email to support, no waiting period.

No ads, nothing sold. The business is the subscription. That's it.

I'll write more about each of these, because I think they're the parts worth being careful about, and I'd rather show you how they work than ask you to trust me.

What this blog is for

I'm going to write here when I have something worth saying: what shipped and why, how I think about money and the numbers that describe it, and the occasional honest post about something I got wrong. Not on a schedule. Not to fill space.

If you want to see Moola before signing up, the demo runs on sample data and doesn't need an account. The docs explain every feature. And if you'd rather just hear from me when there's something new, there's an RSS feed.

Thanks for reading. Go find your number.