← Back to appLast updated July 3, 2026

About MoneyLoko

MoneyLoko is a personal finance and net-worth tracker. It helps you record accounts, debts, budgets, bills, savings goals, and an investment portfolio in one place. Your data is stored in your own authenticated account and only you can read it.

A note from Galus — why this exists

I'm a student at Columbia University. Like a lot of people, I spent years bouncing between spreadsheets, free trials, and "premium" finance apps that all wanted the same thing before showing me a single chart: my bank login.

I understand why those apps exist, and I know many people use them happily. This just isn't one of them. I wanted something quieter — a personal ledger I could actually control, where the numbers stay under my password and on my account, not funneled through a third-party aggregator I've never met.

So I built MoneyLoko for myself first. Net worth, bills, debts, budget, goals, and a simple portfolio view — all in one place, all manual, all mine. No bank linking. No ads. No upsell to a $9.99 tier. If it's useful to you too, that's a bonus.

The principles

Your data is yours. Stored under your account, readable only by you.
No bank linking. You enter what you want, when you want.
No bloat. The essentials done well, not a hundred features done poorly.
Built by a student. Not a startup chasing a valuation.

Every feature came from a real moment: missing a bill and paying a late fee, wondering which debt to attack first, wanting a portfolio view that didn't gate the chart behind a paywall, or trying to figure out how many months of runway I actually had.

If MoneyLoko saves you a late fee or a monthly subscription and you'd like to help keep it free and ad-free, you can support the project here:

cash.app/$Titanium2029

Or just use it. That's honestly enough.

Disclaimer — Not Financial Advice

MoneyLoko is provided for informational and personal budgeting purposes only. Nothing in this app constitutes financial, investment, tax, accounting, or legal advice, a recommendation to buy or sell any security or asset, or a solicitation of any transaction.

Calculations (net worth, debt payoff schedules, savings rate, portfolio performance, benchmark comparisons, drawdown, tracking error, projections, and any other figures) are estimates based on the data you enter and on third-party market data that may be delayed, incomplete, or inaccurate. Do not rely on them for tax filing, lending decisions, retirement planning, or trading.

Always consult a licensed financial advisor, tax professional, or attorney before acting on any information shown in this app.

Investment & Market Data Notice

Quotes and price history displayed in the Portfolio section are sourced from publicly available third-party endpoints on a best-effort basis. Data may be delayed, missing, rounded, or wrong. Prices are not official quotes and must not be used for trade execution, tax lots, or NAV reporting.

Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Benchmark overlays (S&P 500 ETFs, Nasdaq 100, etc.) are shown for comparison and are not investment recommendations.

Terms of Service

By creating an account or using MoneyLoko (the "Service"), you agree to these Terms. If you do not agree, do not use the Service.

Eligibility. You must be at least 18 years old (or the age of majority in your jurisdiction) and legally able to enter a binding contract.
Your account. You are responsible for keeping your login credentials secret and for all activity under your account. Notify us immediately of any suspected unauthorized access.
Your data. You retain ownership of the financial information you enter. You grant us a limited license to store, process, and display that data solely to operate the Service for you.
Acceptable use. Do not attempt to breach security, scrape other users' data, reverse-engineer the Service, upload malware, or use the Service for anything unlawful.
No warranty. The Service is provided "AS IS" and "AS AVAILABLE"without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability.
Limitation of liability. To the maximum extent permitted by law, the operators of MoneyLoko are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, investment losses, missed payments, tax penalties, or other intangible losses arising out of or related to your use of, or inability to use, the Service — even if advised of the possibility of such damages. Aggregate liability for any claim is limited to USD $50 or the amount you paid us in the prior 12 months, whichever is greater.
Indemnity. You agree to indemnify and hold harmless the operators of MoneyLoko from any claim arising out of your use of the Service, your data, or your violation of these Terms.
Third-party services. The Service integrates with third-party providers (authentication, hosting, market-data endpoints). Their terms and privacy policies apply to their portion of the experience.
Termination. You may delete your account at any time. We may suspend or terminate accounts that violate these Terms or that pose a security, legal, or abuse risk.
Changes. We may update the Service and these Terms. Material changes will be reflected by updating the "Last updated" date above; continued use after changes constitutes acceptance.
Governing law. These Terms are governed by the laws of your place of residence to the extent required by local mandatory law; otherwise, disputes are handled on an individual basis via binding arbitration where permitted.

Privacy

We store the email you sign up with and the ledger data you enter. Ledger rows are readable only by your authenticated user via row-level security. We do not sell your personal data. We do not share your ledger with advertisers.

Market quotes are fetched server-side by ticker symbol only; no personal information is sent to those endpoints. You may delete your account and associated data at any time by contacting us at the address below.

Google Sign-In & Google user data

If you choose to sign in with Google, MoneyLoko requests only the standard openid, email, and profile scopes. We access and store only your basic Google profile: your name, email address, and profile picture. We use this information solely to create and identify your MoneyLoko account, display your name and avatar in the app, and send account-related email.

We do not access Gmail, Google Drive, Google Calendar, Google Contacts, or any other Google service or Google user data beyond the basic profile listed above. We do not transfer Google user data to third parties, we do not use it for advertising, and we do not sell it. MoneyLoko's use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements. You can revoke MoneyLoko's access at any time from your Google Account permissions page.

Security

Authentication and storage run on managed cloud infrastructure with row-level access policies. Traffic uses HTTPS. No system is perfectly secure — you use the Service at your own risk and are responsible for choosing a strong password and protecting the device you log in from.

Contact & Support

MoneyLoko is built and maintained by Galus, a Columbia University student. Questions, feedback, bug reports, or feature requests go straight to a real inbox — not a ticketing system.

Email: (hidden from bots to reduce spam)
Support this project: cash.app/$Titanium2029 — keeps MoneyLoko free and ad-free.

For data deletion requests, account issues, or privacy concerns, please email directly — these are handled personally.