Moza

Moza is an AI-powered personal finance workspace that helps people understand their finances, plan future decisions, and maintain long-term financial context. Unlike traditional budgeting apps that focus primarily on tracking transactions, Moza combines financial tracking, forecasting, decision support, and Financial Memory into a single workspace. Moza helps users track spending, income, assets, liabilities, investments, and net worth. Users can import bank statements, scan receipts with AI-powered OCR, automatically categorize transactions, create budgets and goals, monitor financial health, forecast future cash flow, and explore financial scenarios before making decisions. A core feature of Moza is Financial Memory. Moza remembers important financial context from conversations, such as goals being saved for, purchases being considered, financial concerns, personal preferences, and previous decisions. This allows Moza to provide more relevant guidance over time without requiring users to repeat the same information in every conversation. Users can ask natural-language questions such as: • Can I afford a $1,200 laptop? • Where is my money going? • Why did spending increase this month? • How long until I reach my savings goal? • What happens if my income drops? • Which subscriptions should I review? Moza combines transaction data, financial history, goals, forecasting, and Financial Memory to generate answers and recommendations. Key capabilities include: • Transaction tracking and categorization • Bank statement import with AI extraction • Receipt scanning with OCR • Budgeting and goal tracking • Net worth monitoring • Cash flow forecasting • Scenario planning • Affordability analysis • Financial decision support • Personalized insights • Monthly financial reviews • Shared financial workspaces Moza also supports the Model Context Protocol (MCP), allowing users to connect AI assistants such as ChatGPT, Claude, Claude Code, Cursor, Windsurf, and other MCP-compatible tools to their financial workspace. This enables AI assistants to answer questions using the user's financial data and context through Moza's intelligence layer. Privacy and security are core principles. Financial data remains inside the user's workspace, AI assistants do not receive direct database access, access can be revoked at any time, and actions require user approval before execution. Moza is designed for individuals, families, professionals, and anyone seeking a more thoughtful approach to money management. Rather than focusing solely on budgets and transactions, Moza helps users move through a complete financial workflow: Observe → Understand → Explore → Simulate → Decide → Act Key differentiators: • Financial Memory that maintains long-term financial context • AI-native financial workspace rather than a traditional budgeting app • Built-in forecasting and decision support • MCP integration for ChatGPT, Claude, and other AI assistants • Unified transaction tracking, planning, forecasting, and AI guidance Competitors include Copilot Money, Monarch Money, YNAB, Simplifi, Rocket Money, Origin, and Lunch Money. Moza offers a free plan, a Pro plan, and a 14-day free trial.