Living On a Budget is Easy When It’s Accurate

Plan for Today and Prepare for Tomorrow—All in One App.

Android Testers Wanted!

Want to try out the Android version before it’s released? Send an email on the Support page to get involved.

Feature Packed

Gain Financial Clarity

tMoney helps you include all your income sources, then easily toggle them on or off to understand how each impacts your overall financial picture. With this clarity, you’ll make smarter decisions about spending and saving

Plan with Confidence

Dynamic toggles allow you to switch expense groups on and off, so you can see how different scenarios (like a rent increase or a new job offer) affect your budget. This flexibility gives you peace of mind in any situation.

Budget Automatically

tMoney calculates direct deposit allocations, ensuring that your income is immediately set aside for your priorities. This proactive approach keeps your financial plan running smoothly, no matter how busy life gets

Master your Food Budget

With dedicated tools to manage grocery and dining expenses, you can take full control of your food budget—one of the trickiest areas to manage. Stay on top of your spending and save more without sacrificing the things you enjoy.

Plan Ahead

tMoney integrates your yearly and infrequent expenses into your monthly budget, giving you a realistic picture of what’s coming. By accounting for these costs upfront, you can avoid surprise expenses that derail your progress

Get Out of Debt

Visualize and compare different debt payoff strategies like the debt snowball and debt avalanche methods against your unique budget. With tMoney, you can evaluate the impact of both on your journey to becoming debt-free, giving you the clarity to choose the method that works best for you and your financial goals

Prepare for homeownership with ease

Whether you’re budgeting for a future home or adjusting for a rent increase, tMoney lets you toggle between current and future expenses, showing you exactly what you’ll need to afford your next move.

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Evaluate your credit card strategy with clarity

Go beyond just tracking your credit utilization—tMoney helps you assess how each credit card fits into your overall budget. See exactly what benefits you’re gaining and whether they justify keeping the card(s). Make informed decisions about your credit strategy to maximize rewards while maintaining financial health.

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Craft your personalized Money Plan

Use the Money Plan feature to not only map out debt repayment but also to plan for savings goals, big purchases, and financial milestones. tMoney helps you visualize your future, so you can work toward it with purpose and focus.

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Simply Amazing

A budget is more than just basic math; it’s the source of answers to all of your personal finance questions. Can I afford this? Should we move there? Will this credit card benefit me? The answers are right there in your budget.
Terrence Strickland
Creator

FAQ

No, tMoney does not charge a monthly or yearly subscription fee. It’s a one-time purchase for less than the price of a cup of coffee, and the app is yours to use forever with no hidden costs or recurring charges.

The Android version will be released once more testing has been completed to ensure compatibility across a range of devices. If you’d like to help speed up the release, consider becoming a tester by reaching out through the Support page!

To prioritize your privacy and security, tMoney does not link or interact with your bank account. However, categorizing your transactions is a standard feature offered by most modern banks. If your current bank doesn’t provide this feature, consider opening a free account by SoFi Bank, which offers excellent transaction categorization and other useful tools.

tMoney is designed to help you plan and manage your budget, not to replicate features that most modern banks already offer, like expense tracking. Tracking your expenses is a basic feature provided by most banks today. If your bank doesn’t offer it, consider opening a free SoFi Bank account.

For those wondering how to stick to their budget without direct expense tracking, that’s where SoFi Vaults come in. By allocating your food budget to a ‘Food Vault,’ for example, you’ll always know exactly how much money is available to spend on food. This method takes budgeting to the next level by not just telling you how much you’ve spent, but reflecting that in your actual bank account. It’s a modern, digital take on the Envelope Budgeting Technique made popular by Dave Ramsey—only now, it’s more convenient and built for the digital age.

Managing your money effectively often means keeping it separated for different purposes—like bills, savings, vacations, or emergencies. Traditionally, people have achieved this by maintaining multiple bank accounts, each dedicated to a specific goal. SoFi® Bank has streamlined this approach with Vaults. Vaults function as mini accounts within your SoFi® Bank Savings account, allowing you to create up to 20 different Vaults—plus your main Savings and Checking accounts—all at no extra cost. This makes it easier to organize and protect your funds, preventing accidental spending. Additionally, transfers between Vaults happen instantly, unlike traditional accounts where transfers can take several days.

But you don’t need to have a SoFi® Bank account to take advantage of Vaults calculations in the tMoney Budgeting App. If you prefer using multiple bank accounts, that’s perfectly fine. Use the calculations in the app to set up your direct deposit allocations for each account, and it will function in the same way, helping you stay on top of your savings and budgeting goals. For more details, check out this article.

No, tMoney doesn’t cancel your unused subscriptions for you, but you can easily take control of your subscriptions using a few simple methods. One approach is to request a new bank card or temporarily freeze your current card through your bank. This forces you to manually identify which subscriptions are still charging your account, giving you the opportunity to decide whether to cancel or keep them.

This method is particularly beneficial for anyone in the process of getting their finances together. It puts you back in the driver’s seat by allowing you to see exactly who has access to your bank account. Not only does this process give you greater control over your spending, but it also ensures that you’re actively making decisions about where your money goes—an important step in budgeting and financial discipline.

While there are companies that offer subscription-canceling services, paying them to do this for you often just adds more unnecessary fees to your budget. By handling it yourself, you’re not only saving money, but you’re also building good financial habits. The more you engage with your finances, the more empowered you become to make informed, responsible choices. Taking the time to review your subscriptions ensures you’re only paying for services you actually use, which is crucial for anyone committed to improving their financial situation.

tMoney doesn’t track your credit score because that’s a feature most modern bank or credit card accounts already provide for free. Our goal with tMoney isn’t to replicate features that are already available through your bank, but to help you take control of your budget and plan for your financial future. If your bank doesn’t offer it, consider opening a free SoFi Bank account.

By using tMoney, you can accurately account for your income, expenses, and goals, and use this information to make smarter, more insightful financial decisions. Instead of just focusing on tracking your score, tMoney helps you take the next step in personal finance management, giving you the tools to plan your money for both the present and the future.

tMoney doesn’t monitor your net worth, but that’s something many modern bank accounts already offer as a free feature. Our focus with tMoney is not to replicate these tools, but to help you manage your budget and financial goals more effectively. If your current bank doesn’t provide net worth tracking, consider trying a free SoFi Money account, which offers these features and more at no cost.

With tMoney, we aim to take you beyond basic tracking by giving you a way to plan and manage your finances with greater clarity and precision, empowering you to achieve your long-term financial goals.

If you’re unsure what you can afford for a monthly mortgage payment, it’s a good idea to consult with a credit union, a bank, or even better, connect with a NACA mortgage counselor who can guide you through the process. For a detailed breakdown of each stage of the home-buying journey with NACA, check out T’s American Dream, where every step of this process is explained to help you push forward with confidence.

We’re thrilled that you love tMoney! Instead of sending money directly, consider supporting us in other free ways first, like opening a free SoFi Bank account or SoFi Investing account. Not only does this help us, but it also benefits you by giving you access to some of the best personal finance management tools available—completely free. If you’d like, I’m also happy to accept Bitcoin as a thank-you, which can be sent here.

Try it for yourself today!

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