Every kind of account
Cash, checking, savings, investment, credit cards, loans. Each account in its own currency.
Personal spending tracker
Know where your money goes, across every account and currency.
Cash, bank, credit cards, loans, money lent: record it once and see the whole picture. Balances always come from your own transactions, so they never drift.
Everything you need to keep track of your money
Separate books
Personal, household, side business: each book is its own set of accounts, never mixed up.
Any currency
155 currencies with daily exchange rates. Net worth converts to the book's currency at that day's rate.
Budgets by period
Set a limit per day, week, month, quarter or year. Sub-categories count toward their parent.
Lending and borrowing
Tie a loan to a person. Always know who owes you and whom you owe.
One-screen overview
Net worth, this month's spending against last month, a six-month trend and spending by category.
Your data is yours
Only you can see it
Every query is limited to your books by the database itself, not just by the app.
Protected sign-in
Email confirmation at sign-up, passwords of at least 10 characters, and two-step verification with an authenticator app.
Download any time
Export everything as readable CSV files that open in Excel or Google Sheets.
Delete when you want
Delete your account any time. You have 30 days to change your mind, then it's gone for good.
Free
Every core feature is free: accounts, books, transactions, budgets, multiple currencies and data export.
Questions
Is MSaving free?
Yes. Every core feature is free.
Which currencies are supported?
The 155 currencies in use under ISO 4217, including VND, USD, EUR, JPY and many more. Rates update daily.
Can I export my data?
Yes. In Profile and security, choose Download my data to get a ZIP of CSV files.
Where is my data stored?
On servers in Singapore, encrypted at rest and in transit.
Is there a phone app?
Coming later. Until then, MSaving works in your phone's browser.
Start tracking your spending today
Create an account in a minute, then add your first book and accounts.
Open the app →