Most budgeting apps hand you an empty dashboard and wish you luck. Mora is different: it connects your accounts, builds your budget automatically, and gives you an AI companion you can ask anything about your spending.
You link your banks once — Mora supports over 12,000 institutions through Plaid — and from that moment every transaction is categorized, every chart is live, and every question you ask gets answered with your real financial data. No manual entry, no guessing, no spreadsheet formulas.
How Mora works
Mora reads your linked accounts in real time and applies a 50/30/20 budget framework automatically: fifty percent of your income toward needs, thirty toward wants, twenty toward savings. You see visual progress bars for each category, and the app alerts you when you are close to a limit.
The AI companion is voice-enabled, so you can ask 'How much did I spend on groceries last month?' or 'Am I on track with my budget?' and get instant answers drawn from your actual transactions. It is not a chatbot reading help articles — it is analyzing your money.
Everything in one place
Mora pulls in checking accounts, credit cards, and investment accounts, then organizes the data into charts, a financial calendar, and a subscription tracker that surfaces recurring charges you may have forgotten. Custom categories let you organize spending the way you think about it, and interactive tutorials walk you through every feature at your own pace.
Security is enterprise-grade: your credentials never touch Mora's servers, access is strictly read-only, and your data is encrypted per-user so even Mora cannot read it. Financial information is never sold to advertisers or third parties.
Who Mora is built for
Mora is for anyone who wants to understand their finances without becoming an accountant. If you have tried budgeting apps before and quit because manual categorization was too much work, Mora does that part automatically. If you hold accounts at multiple banks and want them in one view, Mora connects them in about two minutes. If you are visual and want charts instead of transaction lists, Mora has you covered.
The app works for first-time budgeters who need guided walkthroughs, for households juggling subscriptions across streaming services and SaaS tools, and for anyone who has ever wished they could just ask their money a question and get a straight answer.
Start with AI that knows your money
Mora is available now, with a free tier that includes AI categorization, basic budgeting, and account aggregation. Linking your first account takes about two minutes, and the AI companion is ready to answer questions the moment your transactions sync.
You do not need to be good at math, you do not need to love spreadsheets, and you do not need to spend an hour setting up envelopes and categories. You need a tool that meets you where you are and helps you see where your money is actually going. That is what Mora does.
