30+
Currencies supported
16
Powerful features
🔒
Private by design
8
Moo-Milk levels
Everything You Need, In One Place
Stop juggling spreadsheets and multiple apps. MOO-LAH gives you a complete financial toolkit.
AI-Powered Insights
Get personalized financial analysis, spending pattern breakdowns, and 'what-if' scenario simulations — all powered by cutting-edge AI.
Smart Statement Upload
Drop in any PDF, CSV or Excel bank statement from any bank worldwide. AI reads, categorizes, detects duplicates, and even spots recurring charges automatically.
Budget Tracking
Create budgets per category, track spending in real time, and use envelope budgeting to give every dollar a job.
Savings Goals
Set goals — emergency fund, holiday, car, house — and watch your progress grow. Add funds manually or track via transactions.
Debt Tracker
Track all your debts in one place — home loans, credit cards, student loans. Log payments and watch your balances shrink.
Net Worth Calculator
See your complete financial picture — assets vs liabilities — with beautiful charts showing your true wealth position.
Side Hustle Tracker
Freelancing, gig work, crypto, online selling? Track income and expenses per hustle with profit/loss breakdowns.
Recurring Transactions
Never miss a bill. Track subscriptions, rent, and salaries. Get alerts when payments are due soon or overdue.
Currency Converter
Live exchange rates for 30+ currencies. Perfect for multi-currency budgeting, travel, or international income.
Financial Calendar
See all your upcoming bills, payments, and financial events laid out in a monthly calendar view.
Cash Flow Charts
Interactive income vs expense charts by month, category, or custom date range. Know exactly where your money goes.
Works Globally
Support for 20+ currencies, banks from any country, and financial data in any language. Built for everyone, everywhere.
Receipt Scanner
Snap a photo of any receipt and MOO-LAH auto-categorises and logs it instantly — no manual entry needed.
Moo-Milk Scoring
Score Moo-Milk points for logging transactions, hitting goals, uploading statements, and daily logins. Level up from Calf to Moo-Millionaire!
Leaderboard & Friends
Connect with friends and compete on the leaderboard using your Moo-Milk score. Healthy competition makes better money habits.
Tax Deductibles Checker
Identify potentially tax-deductible expenses in your transaction history. An informational tool to help you prepare for tax season.
Get Started in Minutes
No bank login required. Your data stays private.
Upload or Add Transactions
Upload a bank statement or manually add transactions. AI categorizes everything automatically.
Set Budgets & Goals
Create budgets for each category, set savings goals, and track your debts — all in one dashboard.
Get AI Insights
Run AI analysis on your spending, simulate scenarios, and get actionable tips to improve your finances.
Stay Motivated with Gamified Scoring
Moo-Milk is MOO-LAH's fun gamification system — a score that reflects how actively you're managing your finances. It's not a currency or redeemable reward, just a way to track your engagement, level up, and compete with friends on the leaderboard.
Score Moo-Milk Points
Rack up points every time you log a transaction, upload a statement, scan a receipt, hit a savings goal, or simply log in daily.
8 Levels to Unlock
Progress from Calf → Heifer → Young Bull → Ox → Dairy Cow → Prized Bull → Cash Cow → Moo-Millionaire as your score grows.
Friend Leaderboard
Add friends and see who scores the most Moo-Milk. It's a fun, friendly competition to keep everyone financially engaged.
Achievement Badges
Unlock badges for streaks, milestones, and financial wins. A fun way to celebrate progress and stay motivated.
🐄 The 8 Moo-Milk Levels
Unlock the Full Power of MOO-LAH
Start your 7-day free trial today. No credit card required to try. Cancel anytime.
- Unlimited AI Insights & scenario simulations
- Bank statement uploads (PDF, CSV, Excel)
- Smart duplicate & recurring auto-detection
- Budget tracking with envelope budgeting
- Debt payoff tracker & amortization calculator
- Side hustle profit/loss tracker
- Net worth calculator
- Financial calendar
- Receipt scanner
- Tax deductibles checker
- Moo-Milk rewards & leaderboard
- Priority feature updates
Instant setup
Ready in under 2 minutes
Private
We never access your bank
Works globally
Any bank, any currency
Privacy-first
POPIA & GDPR aligned