Mochi is a small, warm budget app that helps you spend less and save more — and finally shows you what your AI subscriptions are really costing you.
What makes it different
Most budgeting apps are spreadsheets with a nice font. Mochi does the practical work — and it's the only one that keeps an eye on your AI spend.
ChatGPT Plus. Claude Pro. Cursor. Midjourney. A subscription here, an API top-up there — and somehow it's $80 a month before you noticed. Mochi keeps a dedicated ledger for your AI spend, with a monthly cap and a six-month trend.
Emergency fund first, then your goals, then the things you want. Most apps hand you a number and walk away. Mochi walks the whole path with you — and tells you when you're safe enough to start investing.
Not to make you feel bad — to help you tell "need" from "want" while you're still standing in the shop. Say yes three times and Mochi tells you to go ahead.
Mochi reads your month and tells you plainly: what you saved, what you wasted, which category crept up. No shame, no red arrows. Just the truth, once a month.
Most apps shout at you in red. Mochi says "you've barely dented the budget this month — quietly doing great." Being nagged has never made anyone save money.
Export everything to CSV for Excel or Sheets. Export a full JSON backup whenever you like. Nothing is locked in, because nothing is locked up in the first place.
Privacy, honestly
Mochi runs entirely inside your browser. There's no account, no server, no analytics and no tracking. Every number you type stays on your own device. We couldn't read your finances if we wanted to, which is exactly how a money app should work. Export a backup whenever you like — the data is yours.
Pricing
A budgeting app shouldn't become another monthly line item. So it isn't one.
No subscription. No "Pro tier". No upgrade nags.
Want to try before buying? Open the live demo — it's the full app, running in your browser.
Questions
No. There are no accounts, no sign-ups and no passwords. You open Mochi and start using it. That's the whole flow.
In your own browser, on your own device. It never travels to us or anyone else — there's no server to send it to. If you want a safety copy, use Export to save a backup file.
Yes. Mochi is designed for phones first. Open it in your browser, then use "Add to Home Screen" and it behaves like a normal app — including offline.
Export a backup on the old device, then Import that file on the new one. It takes about ten seconds and your history comes with you.
Because Mochi doesn't cost us anything to keep running — there's no server behind it. Charging you every month for something that costs us nothing felt wrong. So we don't.
Email us within 14 days and we'll refund you. No forms, no "please tell us why" — just a refund.