Moza v1.2.1 is now rolling out.

This update is focused on making budgeting more structured, more connected, and significantly faster to use across the app.

🧩 Allocation Planning (new)

You can now allocate money to categories upfront and track what’s available to spend.

With income allocation & rollovers for future months.

👥 Shared Groups (new)

You can now group related financial items together.

Useful for organizing budgets, goals, and recurring items that belong to the same context, so Moza feels less like separate tools and more like one connected system.

⚡ Instant Input + Quick Input Updates (major improvement)

Editing feels significantly faster now.

• Inputs respond instantly
• Quick changes don’t feel “blocked” anymore
• Updates sync in the background without interrupting flow

The goal here is simple: making financial adjustments feel immediate, not delayed.

📊 Budgeting now connects across Moza

Your allocations now flow through the rest of the product:

• Dashboard cards
• Category insights
• Forecasts
• Monthly reviews
• Moza AI conversations

So instead of budgeting living in isolation, it becomes part of how Moza understands your financial situation overall.

🧠 Financial Memory improvements

Moza better retains context around:

• goals
• planned expenses
• financial intent

This helps insights and suggestions become more relevant over time, instead of treating each session independently.

📱 iOS update note

iOS is slightly delayed until next week due to final improvements and stability work.

Android remains on track. As always, this is still early.

A lot of this direction comes directly from feedback here, especially from people coming from.

If you try it, I’d genuinely love to hear what feels right, and what still feels missing. It's free, on moza.so

I've been heads down building Moza over the past week and wanted to share a progress update, especially since a lot of the feedback here has been around budgeting.

One thing I kept hearing is that people don't budget the same way. Some want full envelope budgeting, while others just want spending guidance without assigning every dollar.

So instead of forcing one approach, Moza now supports two planning styles:

Allocation Planning

• Envelope-style budgeting
• Assign money to categories each month
• Track Assigned, Spent, and Available
• Move money between categories when priorities change
• Overspending carries into the next month unless covered

Flexible Planning

• Monthly spending targets without assigning cash upfront
• Better if you prefer awareness over strict envelopes
• Easier to maintain if your income or spending changes often

I've also been polishing a lot of the budgeting workflow:

• Bulk add categories instead of adding them one by one
• Cleaner budget table with customizable columns
• Better status indicators and recommended actions
• Faster assign/move money flow
• Lots of mobile UX improvements to make it feel more native

I'm trying to build something that sits somewhere between YNAB and apps like Copilot or Monarch. I actually uses flexible planning, but I also know it's not for everyone, so I wanted both approaches to exist without making either feel like a second-class experience.

Still a lot to build, but it's finally starting to feel like a budgeting workflow I'd actually want to use every day.

As always, I'd love to hear what you'd change or what still feels missing! Give it a try, it's free.

Update 6/22/2026: you can try the demo here.

Hi everyone,

I'm the founder of Moza, and after seeing a number of discussions here about YNAB alternatives, I thought I'd introduce what we're building.

First, I don't think there's a single "best" YNAB alternative. Different apps solve different problems.

If you're evaluating options, here's how I generally see the landscape:

• YNAB > Zero-based budgeting and intentional spending
• Actual Budget > Open-source and privacy-focused
• ZeroSum > Envelope budgeting with a modern experience
• Liquid Budget > Budget-first workflow
• Monarch > Household finance and net worth tracking
• Copilot > Beautiful transaction analysis and insights
• Simplifi > Cash flow and spending management
• Lunch Money > Flexible budgeting for power users

Moza takes a different approach.

Instead of focusing primarily on budgeting, we're building what we call a financial workspace.

Alongside transaction tracking and net worth, Moza includes:

• AI-powered financial analysis
• Natural language financial conversations
• Receipt & bank statement scanning
• Multi-currency support
• Financial journaling
• Scenario planning
• Decision support tools

The goal isn't just to answer "Where did my money go?"

It's to help answer:

• Why am I spending this way?
• What happens if I make this decision?
• What patterns should I pay attention to?

If you're interested to see the comparison page of YNAB vs Moza, here it is.

We're still growing and shipping updates constantly, so I'd genuinely love feedback from people here, and will build in public, listen to your requests and implement it.

As a thank-you, I'm happy to give anyone from this community 3 months of Moza Pro for free ✨. Just create an account and DM me your email or user ID and I'll activate it manually.

And I'm planning to release the iOS and Android App at the end of the month.

Happy to answer any questions, including tough ones! 😊

Just want to share for people out there to not give up.

As you can see I was posting this 5 days ago: About to launch my first SaaS after 10+ years in e-commerce : r/SaaS

Before that, I was already invited some people into the beta, it turns out some of them are seeing the value and wanted to lock in the special price I gave them. However, it's only for one day, and I thought it will stay still, got my hopes down, until today.. Another annual subscriber came in!

If you believe in your product, then people will see it too. As long as you talk to users to fix everything and give what people wanted, then for sure you will be in the right direction.

I started this as a hobby project that I can use for my e-commerce business, but it's so fun talking to users and turns out I don't know what I needed.

It has been too long being a silent reader in this community. Sooo I'm planning to launch my first SaaS next week after spending decade running e-commerce businesses.

It's called Moza, a financial workspace app, will be available in iOS and Android as well!

I know it's a crowded category, but I built it because I never found an app that matched how I actually think about money. Most finance apps seem heavily focused on budgeting and transaction categories.

I was more interested in questions like:

• How has my net worth changed over time?
• Where is my money actually going?
• What financial decisions worked out well?
• Which ones didn't?

So I started building one.

One thing that was important to me from the beginning was making data entry as painless as possible. I don't want to spend 20 minutes categorizing transactions just to keep my finances up to date.

Right now you can track accounts and assets across multiple currencies, scan receipts and transactions, track your net worth, and keep a journal of financial decisions so you can look back and see what actually worked (or didn't).

One thing I'm currently experimenting with is combining tracking, journaling, and AI insights in the same place. The goal isn't just to record what happened, but to better understand why it happened.

For those of you who use personal finance apps:
What's the biggest thing they still get wrong?

I'd genuinely love any feedback, criticism, or feature ideas!

If you want to try it:
moza.so

The app is still in beta, and honestly, I'm figuring things out as I go.

There's a free plan, but if you'd like to try Pro, send me a DM with your registered email and I'll give you 3 months free.