About MoneyWarden

MoneyWarden is a personal finance app for people who don't want to log in to their bank through a budgeting app. It shows how much money leaves each month without a name, and whether one goal you care about is getting closer.

The short version

  • What it is: a goal-first personal finance app that works without a bank connection.
  • Who it's for: people who feel their money disappears each month and would rather not connect their bank to an app.
  • What it never asks for: your bank login, account numbers or card numbers. There is no bank connection.
  • How it gets your numbers: rough monthly figures you tap in, charges you type, or a CSV statement you download from your bank yourself. Account and card numbers are stripped in your browser before anything is read.
  • Who decides: you. Every unexplained charge gets three choices: cut it, keep it, or protect it. MoneyWarden never tells you to skip the coffee.
  • How the numbers are made: fixed formulas, so the same answers always give the same results. An AI assistant writes the monthly explanation from those numbers and never does the math.

What you can use

  • The free verdict: about 3 minutes, no account. How much leaves each month without a decision, whether your goal is on track, and which of five money types your numbers point to.
  • The Freedom Plan: $99 a year, or $29.99 to start and then $9.99 a month. A full Diagnostic, a guided hunt through your statements, a commitment you own, and a Freedom Debrief every month that opens with: is your goal closer? Cancel anytime. 30-day money-back guarantee on the first payment.
  • The Leak Detective Kit: a $29.99 spreadsheet for Google Sheets and Excel, included with the Freedom Plan.
  • Free guides: how to cancel common subscriptions, call scripts for lowering bills, and how to download a statement as CSV at major US banks.

How it compares

Apps like Rocket Money, Monarch and Copilot are built around linking your bank accounts. YNAB and Goodbudget can be used without linking, with manual entry. MoneyWarden is built only for the no-login way, and focuses on one goal and the money that leaves without a name. See the full comparison.

What MoneyWarden is not

It is not a bank, a lender or a financial adviser. It doesn't recommend investments, loans or financial products, and it doesn't move money. It provides educational estimates based on the numbers you enter.

Contact

Email info@getmoneywarden.com or use the contact page.