Your all-in-one personal finance platform that connects with ChatGPT, Claude, Cursor, Gemini, or OpenClaw.
Read-only financial connections · Two-factor authentication · Local desktop option · No bank login credentials stored
The last personal finance platform you’ll ever need.
Here’s what we can do for you:
You know what — just check out our demo. A demo is worth 1,000 bullet points, as they say.
Try the demoWe get it. This is seriously sensitive data.
We’re talking about your entire personal financial life. So yes — we needed to get this right if this was going to be our mission.
The safest option is the local desktop app. Your financial life lives in a database on your computer, not on our servers. You unlock it with Touch ID or a password, and it can run fully offline.
Want Moat on the go, in the web app or on iOS? Then your data needs a home in the cloud. Here’s how we keep that safe:
If you want to learn more, feel free to peruse our security page.
This is where things get special.
I don’t want big margins on any user. But I also can’t run a charity. Start free for 30 days, then there are two paths.
Free
$0 forever if you import transactions or add accounts by hand. Manual accounts can even auto-update — like a fixed monthly contribution.
Account-based
$0.75 per account to sync automatically. Checking, credit, investment — all the same. Ten accounts is $7.50/month, or $6.00 on annual.
Want the full breakdown? See every pricing example below, including 10-account setups and annual billing.
Your AI assistant can reason, calculate, compare options, and explain tradeoffs. But it cannot give truly useful financial advice unless it understands your actual financial life.
Most tools only see part of the picture: spending, budgets, investments, or subscriptions. Others require you to trust a large cloud provider with deeply sensitive financial context.
Moat Finance gives you a complete, structured financial profile that can be used by you, your apps, and your personal AI assistant.
Instead of guessing, your agent can reason from your actual income, spending, investments, insurance coverage, debt, goals, and family context.
Moat Finance gives your agent the data. Your agent gives you the insight.
Your budget is only one part of your financial life. Real financial decisions depend on the whole picture.
Choose how much convenience or control you want. Either way, Moat Finance is designed to be the structured financial profile your AI assistant can use.
Secure access from anywhere
Moat Finance Cloud keeps your financial profile available wherever you are. Connect your accounts, view your budgets, track your net worth, and let your personal AI assistant answer questions using your up-to-date financial context.
Premier privacy on your computer
Moat Finance Local is for people who want their financial life to stay on their own computer. Your data is stored in a local SQLite database and can run fully offline. No cloud database. No remote account storage.
| Feature | Moat Finance Cloud | Moat Finance Local |
|---|---|---|
| Web access | Yes | No |
| iOS access | Yes | No |
| Desktop app | Optional | Yes |
| Offline mode | Limited | Yes |
| Local SQLite database | No | Yes |
| Automatic Plaid sync | Yes | Optional |
| Multi-device access | Yes | No |
| AI assistant connection | Yes | Yes |
| Data location | Secure cloud | Your computer |
Most AI financial advice is generic because the agent does not know your real financial life. Moat Finance changes that.
Moat Finance organizes your accounts, transactions, budgets, investments, insurance, debt, goals, and forecasts into a financial profile your personal AI assistant can securely query through an MCP server.
These are not just budgeting questions. They are full-picture financial questions.
Compare health insurance plans with your actual health costs and tax situation.
Tag deductibles throughout the year so filing is organized, not last-minute.
Model how changes to contributions affect your projected net worth over time.
Compare payoff strategies against your cash flow and savings goals.
See the real impact of a car, home, or major expense on your financial picture.
Know exactly how many months of expenses you can cover at any moment.
Understand gaps in life, health, auto, and disability coverage in context.
"Can we afford another child?" answered with your real numbers.
Most personal finance apps make you clean up your finances by hand. Moat Finance gives you a powerful rules engine so your financial data gets cleaner over time.
Create rules that automatically categorize transactions, tag expenses, identify tax-related spending, organize income, and keep your budget accurate.
The more rules you create, the smarter your financial profile becomes.
Most budgeting apps charge the same price whether you connect one account or twenty. Moat Finance is different.
with manual accounts
Start free for 30 days. Don’t want accounts to sync automatically after that? Import your transactions and don’t pay anything. It is also simple to add accounts by hand and have them auto-update over time — like if you contribute a fixed amount every month.
per synced account
It is really nice not to have to worry about that. Checking, credit, and investment are all the same price. Mix with free manual accounts anytime.
| What you connect | Monthly price | Annual (effective monthly) |
|---|---|---|
| 1 account Starter | $0.75/mo | $0.60/mo |
| 3 accounts | $2.25/mo | $1.80/mo |
| 5 accounts | $3.75/mo | $3.00/mo |
| 7 accounts | $5.25/mo | $4.20/mo |
| 10 accounts | $7.50/mo | $6.00/mo |
Manual accounts are free. Accounts you add yourself, import, or keep local do not change your price. Only accounts synced through a supported financial data provider count.
Financial clarity should not cost $15/month just because you have a simple setup. You only pay more when Moat Finance has more banking infrastructure overhead to support.
See how Moat Finance stacks up against Monarch Money, YNAB, ChatGPT Personal Finance, and building your own solution.
| Feature | Moat Finance | Monarch | YNAB | ChatGPT | Build Your Own |
|---|---|---|---|---|---|
| Starts under $5/mo | Yes | No | No | No | Maybe |
| Transparent per-account pricing | Yes | No | No | No | Yes |
| Budgeting | Yes | Yes | Yes | Yes | If built |
| Net worth tracking | Yes | Yes | Limited | Yes | If built |
| Investment tracking | Yes | Yes | Limited | Yes | If built |
| Rules-based transaction system | Yes | Partial | Category rules | Limited | If built |
| Tax prep tagging | Yes | Limited | Limited | Limited | If built |
| Insurance data layer | Yes | Not core | Not core | Not core | If built |
| Health insurance / HSA context | Yes | Not core | Not core | Not core | If built |
| Life insurance tracking | Yes | Not core | Not core | Not core | If built |
| Official MCP / agent connection | Yes | No | No | Not external MCP | If built |
| AI Reports | Yes | No | No | Limited | If built |
| Community Prompts | Yes | No | No | No | If built |
| Community Tips | Yes | No | No | No | If built |
| Local desktop privacy option | Yes | No | No | No | Yes |
| Fully offline SQLite mode | Yes | No | No | No | Yes |
| Cloud web app | Yes | Yes | Yes | Yes | If built |
| iOS app | Yes | Yes | Yes | Yes | If built |
| Read-only account connections | Yes | Yes | Yes | Yes | Depends |
Competitor pricing and features can change. This comparison focuses on Moat Finance's intended product direction: local-first privacy, AI-assistant connectivity, full financial profile coverage, and transparent account-based pricing.
With AI today you could build your own local finance app, connect Plaid, design a database, build rules, add forecasting, create an MCP server, manage encryption, handle account syncing, and maintain the app over time.
But the real cost is not just Plaid fees. It is the time, tokens, debugging, maintenance, security decisions, and product work required to keep it reliable.
Financial data is among the most sensitive data you have. Moat Finance is designed with that in mind.
Moat Finance started because I was frustrated with my budgeting app.
I wanted better rules. I wanted cleaner transactions. I wanted a system that could help me prepare for tax season instead of leaving me with a pile of uncategorized financial history at the end of the year.
At first, Moat Finance was just a better way to understand my own money: spending, income, investments, categories, and cash flow.
Then AI assistants started getting useful.
I realized the missing piece was not another chatbot. It was the financial context behind the chatbot. An agent can answer generic questions without your data. But it cannot help you make deeply personal financial decisions unless it understands your actual financial life.
That changed the vision for Moat Finance.
Moat Finance became a full financial data layer - a secure place to organize your accounts, transactions, investments, insurance, goals, forecasts, and life context so your personal agent can help you make better financial decisions.
The goal is not to replace your judgment. The goal is to give you better context.
Moat Finance exists because financial clarity should be affordable, private, and intelligent. Charging almost $15/month to someone with one or two accounts felt wrong to me.
So Moat Finance is built differently: transparent pricing, local privacy options, cloud convenience when you want it, and an AI-first financial profile designed for the next generation of personal agents.
Start free for 30 days. Then pay only for the accounts you sync. Scale as you grow. Switch to local mode anytime for premier privacy.
AI-first · Privacy-first · Fairly priced
Questions? hello@moatfinance.ai
