Know what you can spend right now with a simple visual spending pace
Stage
Not given
Startup
Founded
Not given
Not given
Based in
US
Not given
Pricing model
Freemium
Freemium
Pricing
Personal: Free forever. Family: $14.99/month or $149/year. Pro: $9.99/month standalone or $99.90/year, or $7.99/month with Family. Elite: $49.99/month for first 3 seats, $19/month per additional seat.
Free: up to 3 trains, default train theme, transaction history, 30D/90D/1Y reports, core widget, Apple Shortcuts. Pro: $9.99/year or $29.99 lifetime for unlimited trains, train sharing, additional visual themes, custom train-level thresholds, full widget configuration, CSV export. Localized pricing
Key features
Bill Tracker - Track recurring bills with AutoPay marking
Income Tracker - Log income sources with pay frequency
Debt Payoff Calculator - Choose avalanche or snowball strategy
Bank Sync via Plaid - Automatic transaction categorization
Bank-Verified Payments - Checks against real bank activity
Budget Health Score - 0-100 score showing spending alignment
Net Worth Tracker - Track assets and debts
Invoicing and A/R - Create and track invoices with online payments
Profit & Loss Summary - Export P&L statements for accounting
Household member accounts - Up to 5 members with shared budget
Live spending balance that updates continuously as time passes and purchases are made
Multiple spending trains for different expense categories
Visual train metaphor showing ahead or behind status
Home Screen widget for quick balance checking
Transaction history and spending reports
Shared trains for household spending management
iCloud sync for seamless data synchronization
CSV export for data analysis
Custom visual themes
What makes it different
Bank-verified payments confirm actual clearing dates against bank activity
Completely free personal tier with no credit card required
Shared household finances for up to 5 members
Built-in invoicing and business tools without separate apps
Revenue portion supports community aid for basic necessities
Answers the immediate question of what you can spend right now instead of providing only a monthly total
Progress carries forward across months instead of resetting at month-end
Simple interface with one live number instead of complex spreadsheets or multiple categories
Free version available with core features to test the method before upgrading
Nemonix
My Money Train