Your data is yours
Every row of your financial data is locked to your account at the database level. Deleting something puts it in a trash you control — recovery stays possible for 30 days.
About
A money tracker built by someone who needed one
Moneybag AI started as a personal tool for answering one question honestly: where does the money actually go?
Our mission
Make honest money tracking effortless
Most people do not need another complicated finance product. They need a fast, trustworthy place to record what they earn and spend, set sensible limits, and see the trend lines without an accounting degree.
Moneybag AI focuses on exactly that loop — record, categorize, budget, review — and keeps every module free during beta while it earns your trust.
The story
From a founder's spreadsheet to a real product
Moneybag AI began as Mohammad Sijan's own effort to track personal spending across cash, bank, and mobile-money accounts. The tools he tried were either too heavy, too opinionated, or quietly pushed paid tiers for basics.
So he built the tracker he wanted: multi-account balances derived from real transaction history, per-category budgets with honest alerts, recurring bills that remember themselves, and reports that answer questions instead of decorating dashboards.
That personal tool grew into a public product anyone can register for and use independently — still guided by the same rule: if a feature does not help someone see their money clearly, it does not ship.
What we optimize for
Three principles behind the product
Simple over clever
Balances come from real history, transfers never fake income or expense, and deleted means recoverable. The math is boring on purpose.
Honest numbers
No vanity charts or gamified streaks. Budgets show overages in red with the exact amount; reports compare periods without flattering you.
The bigger picture
Part of a product family
Moneybag AI is built by SpritexAI and sits within the RexiO product family. It is the first member focused on personal finance — installable as a PWA today, with native mobile apps anticipated later on the same API foundation.
Come see your money clearly
Free during beta — set up takes about a minute.