About Moedas
Understanding your financial journey
Take Control of Your Financial Future
Financial freedom isn't about earning more—it's about spending less than you earn and making every dollar work for your goals.
Live Below Your Means
The foundation of wealth building is simple: spend less than you earn. This creates the breathing room needed for savings, investments, and financial security.
Build Your Safety Net
An emergency fund protects you from debt when unexpected expenses arise. Start with $1,000, then work toward 3-6 months of expenses.
Tame Subscriptions
Small recurring charges add up quickly. A $10 monthly subscription costs $120 yearly. Audit regularly and cancel what you don't actively use.
How This App Works
Monthly Budget Tracker
This app is designed for strategic monthly budgeting, not daily purchase tracking. Think of it as your financial planning tool.
Set Your Income
Enter your monthly take-home pay to establish your baseline.
Example: €2,000 take-home salary
Choose Your Strategy
Pick from proven templates like the 50/30/20 rule or create your own allocation.
Example: 50% needs, 30% wants, 20% savings
Track Expenses
Add your expenses by category to see where your money goes.
Example: €800 rent, €150 groceries, €50 Netflix
Stay on Track
Monitor your budget in real-time and adjust as needed.
Review monthly, adjust categories as needed
What This App Is NOT
- • A daily expense tracker for every coffee purchase
- • A receipt logging app for individual transactions
- • A real-time transaction monitoring tool
Your Privacy Matters
Completely Free
Key Financial Principles
Ready to Start?
Your financial journey begins with a single step. Set up your income, choose your allocation strategy, and start tracking your progress today.