Know your score.
Know your
real allowance.

MoneyCore gives you a Financial Health Score, calculates exactly how much you can spend this month, and shows you what to do next — all from numbers you control. No bank access. No AI guessing.

14-day Premium trial · Cancel anytime · 20+ currencies supported

0–100
Financial Health Score, updated live
5 tabs
Dashboard · Budget · Strategies · Portfolio · Goals
20+
Currencies · Full Arabic RTL support
Financial Health Score: 0–100, updated live Cashflow: Income → Obligations → Debt → Savings → Allowance Strategies backed by real financial books Live stock, crypto & ETF portfolio tracking Goal feasibility check — know before you commit Global wealth positioning 20+ currencies · Full Arabic RTL support No bank access. Ever. Financial Health Score: 0–100, updated live Cashflow: Income → Obligations → Debt → Savings → Allowance Strategies backed by real financial books Live stock, crypto & ETF portfolio tracking Goal feasibility check — know before you commit Global wealth positioning 20+ currencies · Full Arabic RTL support No bank access. Ever.

Money doesn't just disappear. It leaks — and you were never shown where.

You earn money. You spend money. Somewhere between those two things, your plans fall apart. Not because you lack discipline. Because nobody gave you a clear picture.

Budgeting apps promised to fix this. Most of them track what already happened — and then leave you to figure out what to do with that information. That's not help. That's a spreadsheet with a prettier font.

The real problem is that you've never had a system that connects your income, your obligations, your goals, and your choices — in one place, in plain terms.

"I checked my account and I don't know where half my salary went."

Heard every month. By millions of people.

"I tried three budgeting apps. I quit all of them within two weeks."

It's not a discipline problem. It's a design problem.

"I know I should save. I just can't figure out how much is actually safe to save."

That number exists. You just haven't been shown it.

"Every time I want to spend something, I don't know if I can afford it without stressing."

That stress is solvable. With the right information.

Why current apps fail you

No Health Score — just raw numbers, no signal on where you actually stand
No cashflow model — they can't tell you exactly how much is safe to spend
Strategies are vague AI tips — not named methods backed by financial books
No goal feasibility — you set targets without knowing if you can reach them

One equation. Every number explained.

Everything in MoneyCore — your Health Score, your Allowance, your goal feasibility — is derived from one transparent cashflow model. You see every step, and you can change any input at any time.

Step 1 01

Income

Add active income (salary, freelance) and passive income (dividends, rental). MoneyCore starts with what actually comes in each month.

Step 2 02

Subtract commitments

Fixed obligations (rent, subscriptions), debt payments (with balance and interest rate), and savings allocations are all deducted — in order, transparently.

Result 03

Your real Allowance

What's left is your Allowance — the exact amount you can freely spend. Your Health Score (0–100) reflects how healthy this picture is: savings rate, debt load, and available allowance combined.

Income − Obligations − Debt − Savings = Allowance

Every part of your finances, covered.

MoneyCore is built around five focused tabs. Each one does a specific job — together they give you a complete financial picture that no single-purpose app can match.

Dashboard

Your financial picture at a glance

Opens to your Health Score, exact allowance, and cashflow breakdown — the moment you open the app.

Financial Health Score (0–100) with full score breakdown
Allowance — exact spendable amount after all commitments
Visual cashflow: Income → Obligations → Debt → Savings → Allowance
Tap + to log a transaction instantly and assign a category
Swipe between months to review past snapshots
Monthly Insights — waterfall breakdown per spending category
→ Free — always included
Budget

Named plans that switch by month

Create multiple named budget plans and switch which one is active each month — a different structure for travel, lean months, or normal life.

Multiple named plans (e.g. "Default", "Travel Month")
One active plan per month — switch freely
Category limits with donut chart usage tracking
Drill down into any category to see every linked transaction
→ Free: 1 plan · Premium: unlimited plans
Strategies

Named strategies, backed by books

The strategy engine reads your numbers and recommends specific, named financial strategies — each traceable to a real financial book source.

Debt Snowball, 50/30/20 Rule, Emergency Fund & more
Every strategy cites the financial book it's drawn from
Auto-Apply — one tap applies the strategy to your profile
Personalized to your income, debt, savings rate, and goals
→ Premium
Portfolio

Your real net worth, live

Track stocks, crypto, and ETFs with live prices. Add manual assets like real estate or a car. See your true net worth and where you rank globally.

Stocks, crypto & ETFs by ticker — live prices, gain/loss, weighting
Manual assets (real estate, car, gold) with currency conversion
Net worth = investments + assets + cash − debt, updated live
Global Wealth Positioning — e.g. "Top 15% worldwide"
→ Premium
Goals

Goals that check themselves

Set a target and a deadline. MoneyCore calculates how much you need per month — and flags the goal "Overcommitted" if it would break your allowance.

Target amount + deadline (e.g. "50,000 SAR by Dec 2026")
Monthly requirement auto-calculated from your allowance
Feasibility check — "Overcommitted" warning if needed
Activate goal to start allocating monthly savings
Update progress and track milestones over time
→ Premium

See the app in action.

Every screen you see here is the actual app — no mock-ups, no illustrations.

MoneyCore Dashboard — Know exactly how much you can spend MoneyCore Monthly Breakdown — See your money, master your flow MoneyCore Budget — Control every dirham MoneyCore Strategies — Get a plan, build your future MoneyCore Portfolio — Track your wealth, build your future MoneyCore Goals — Turn goals into reality

Your data. Your rules. No surprises.

MoneyCore works entirely from the information you enter. Every number is yours to add, adjust, or delete at any time — and you can see exactly how each one affects the output.

Income sources

Add active income (salary, freelance) and passive income (dividends, rental) as separate, labeled streams. MoneyCore treats each correctly in the cashflow model.

→ Active + passive income streams

Obligations

Log every fixed monthly outflow — rent, insurance, subscriptions, utilities. These are deducted first, before your allowance is calculated. Nothing is lumped together.

→ Deducted before allowance

Debt management

Track each loan with its balance, monthly payment, and interest rate. Debt payments factor directly into your Health Score and your real spendable allowance.

→ Balance · payment · interest rate

Currency & language

Choose from 20+ display currencies and switch between English and full Arabic RTL at any time. The entire app adapts — layout, numbers, and direction.

→ 20+ currencies · English / Arabic RTL

Excel export

Download your complete multi-month financial report as an Excel file sent directly to your device. Every transaction, category, and month — in one spreadsheet.

→ Premium — multi-month full report

Account & privacy

Delete your account any time from Settings. Every piece of data — profile, transactions, portfolio, goals — is removed immediately and permanently. No exceptions.

→ Full deletion · Apple-compliant

This is not another tracking app.

There are hundreds of apps that record your spending. Very few that help you understand it, act on it, or think ahead. This is the difference.

Other apps
No Health Score — raw numbers, no signal on where you stand
Strategies are vague AI tips with no book source or name
No cashflow model — can't show exactly how your money flows
No goal feasibility — set targets without knowing if they're reachable
No global wealth context — no idea where you rank
No automation — every entry requires opening the app
Separate apps for budget, portfolio, and goals — no unified picture
MoneyCore
0–100 Health Score from savings rate, debt load, and allowance
Named strategies (Debt Snowball, 50/30/20…) backed by real financial books
Visual cashflow: Income → Obligations → Debt → Savings → Allowance
Feasibility check flags goals that would break your allowance
Global Wealth Positioning — see where you stand worldwide
iOS Shortcuts: log transactions by double-tapping your iPhone's back
Dashboard + Budget + Strategies + Portfolio + Goals — one app

Three tools that change how you operate.

Premium unlocks features that go beyond awareness — tools that let you act, automate, and access your financial data from anywhere.

iOS Shortcuts

Log any transaction by double-tapping the back of your iPhone — no app-opening required. Powered by your personal API key and Apple's Shortcuts app.

Requires API Key (included) · iOS 16+

Excel Export

Download your complete multi-month financial report as an Excel file, sent directly to your device. Every transaction, every category, across every month — in one file.

Multi-month · Full category breakdown

API Key

Generate a secret key to control MoneyCore from outside the app — log transactions, read your profile data, and build personal automations on top of your financial setup.

Required for iOS Shortcuts integration

Your money. Your rules. No guesswork.

Money is personal. You shouldn't have to hand control over to an algorithm and hope for the best. MoneyCore was built on the opposite premise.

No AI making decisions for you

Every calculation in MoneyCore follows explicit, visible logic. You can see why any number is what it is. Nothing is estimated, predicted, or assumed.

No forced actions

MoneyCore shows you options. It never locks you into a path or makes you feel wrong for your choices. Information is the tool. You hold it.

No bank access required

You enter what you choose to enter. MoneyCore works entirely on the information you provide — no linked accounts, no read permissions, no data sharing.

Transparent rules you can adjust

Every rule in the system is visible and modifiable. Don't agree with how something is calculated? Change it. This is your system, not ours.

moneycore — logic view
income_monthly3200.00// defined by you
fixed_costs1140.00// rent + utilities
goal_allocation320.00// 10% rule, your choice
available_base1740.00// 3200 − 1140 − 320
weekly_allowance435.00// 1740 ÷ 4 weeks
daily_safe_spend62.14// 435 ÷ 7 days

Every number is derived. Nothing is guessed. You can change any input and see the result immediately.

Start free. Unlock the full system when you're ready.

The core is free — forever. Premium adds the tools that turn awareness into real financial action. Try it free for 14 days, no card required.

Free

The core system — completely free. See your Health Score, your real allowance, and start making sense of your money from day one.

$0 / forever
Dashboard — full access
Health Score, Allowance, Cashflow diagram, Monthly Insights, transaction logging
Budget — 1 plan
One named budget plan with category tracking and donut chart
Settings
Income sources, obligations, debt management, currency, language
Strategies — locked
Portfolio — locked
Goals — locked
Multiple budget plans — locked
Excel Export — locked
API Key & iOS Shortcuts — locked
Get started free

Fix your money before it fixes you.

You've been operating without a clear picture. That ends today. Four minutes to set up. A completely different relationship with your money, starting now.

No card required. Cancel anytime. Your data stays yours.