Moosely
Budget beautifully without ever linking your bank
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Ben

Moosely - Budget beautifully without ever linking your bank

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Monarch, YNAB, Copilot, Origin — all require Plaid. Moosely is the alternative for people who won't link their bank to anything. You export a CSV from your bank (takes 30 seconds), Moosely auto-categorizes it, and you get the same dashboards: transactions, budgets, net worth, and an AI CFO that answers questions about your spending. Built for entrepreneurs, real estate investors, and anyone who read Plaid's privacy policy and noped out. Free tier. No credit card to start.

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Ben
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Hey Product Hunt - Ben here, founder of Moosely. Quick story on why this exists: I have a W2 job, a rental property, two Airbnbs, and a handful of investment accounts I tinker with. My finances are complicated and I've never been comfortable connecting my bank accounts to a third-party aggregator. So for years I used a spreadsheet. It worked but it looked like I built it at 2am (because I did). I tried every finance app - they all wanted me to link my bank through Plaid. Not happening. So I built Moosely. The insight: every major bank lets you export your transactions as a CSV from their own website. It takes 30 seconds. You get the same data as a bank-linked app - without the bank connection. Your credentials stay at your bank. That's it. What you get with Moosely: - Transaction tracking and categorization - Budget vs. actual analysis - Net worth tracker (the one YNAB doesn't have) - AI CFO for asking questions about your actual spending - Pricing that's 40% less than Monarch or YNAB Been building this nights and weekends for the better part of a year. First time launching publicly beyond my beta group. Happy to answer literally any question - technical, product, privacy, business model, all of it. This community is where I'd want the hardest questions asked. Try it free: moosely.app