# Mochi: AI Finance Manager — Your money, in plain English > AI-powered personal finance manager for account aggregation and spending insights. (iPhone/iPad app by Noir Holdings.) - Source: https://appshunter.io/ios/app/mochi-ai-finance-manager/id6799532356 (this page in markdown: same URL + `.md`) - Developer: [Noir Holdings](https://appshunter.io/developer/1833283564) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.0 · 45 MB - Languages: American English - Released: 2026-09-15 - Data updated: 2026-10-31 - Monetization: free ## What is Mochi? Your money, in plain English. Mochi Finance brings your accounts, spending, budgets, bills and savings goals into one clear view, then explains what it all means in real sentences written from your own numbers. SEE YOUR WHOLE PICTURE Link your bank, card and investment accounts through Plaid and see balances, assets, debts and net worth in one place, with a trend that shows where you're heading. UNDERSTAND YOUR SPENDING See where your money went this week, month, quarter or year. Compare against last period, find your top categories and merchants, and spot what's rising. BUDGETS THAT KEEP UP Set a monthly limit for any category and watch your progress as you spend. Refunds are counted, so a returned purchase gives the budget back. SAVE FOR WHAT MATTERS Create goals for an emergency fund, a trip or a down payment, add contributions and track progress toward your target date. NEVER MISS A BILL Mochi Finance finds your subscriptions and recurring charges, shows what's due next and what they cost you each month and year. ASK ABOUT YOUR MONEY Ask questions like "Where did my money go this month?" and get an answer based on your own accounts. Upload statements, tax forms and pay stubs and Mochi Finance reads them and tells you what they say. READ-ONLY BY DESIGN Mochi Finance can see your balances and transactions. It cannot move, send or spend money: no payments, transfers, trades or withdrawals. Your bank login is entered inside Plaid's own secure flow and is never seen or stored by Mochi Finance. PRIVATE BY DEFAULT We do not sell your data. AI features are powered by Google Gemini and only run after you agree to it in the app. Decline, and everything else keeps working. Protect the app with Face ID and two-factor authentication, export your data, or delete your account at any time in Settings. Free, with no paid plans. Account linking depends on supported institutions. AI answers are informational and are not financial, investment, tax or legal advice. Terms of Service: https://mochifinance.com/terms Privacy Policy: https://mochifinance.com/privacy Support: shay@mochifinance.com ## Key features - Consolidated account view - Spending analysis - Customizable budgets - Savings goal tracking - Bill and subscription management - AI-powered financial insights - Secure read-only access ## Is Mochi safe? Not enough ratings yet to assess Mochi. ## Is Mochi legit? Mochi: AI Finance Manager has limited verification signals. The AppsHunter Legitimacy Score for Mochi is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Frequently asked questions about Mochi ### How does Mochi help me understand my spending? Mochi analyzes your linked accounts to show where your money went, comparing it to previous periods and identifying top spending categories and merchants. It can even spot rising expenses. ### Can Mochi help me save money? Yes, Mochi allows you to create specific savings goals, such as for an emergency fund or a down payment. You can add contributions and track your progress towards your target date. ### Does Mochi have ads? No, Mochi is free and does not contain advertisements. It operates on a free model with no paid plans. ### How secure is Mochi with my financial data? Mochi uses Plaid for secure account linking and operates on a read-only basis, meaning it cannot move or spend your money. Your bank login is handled within Plaid's secure flow and is not stored by Mochi. ### What kind of AI features does Mochi offer? Mochi uses AI, powered by Google Gemini, to explain your financial data in plain English. You can ask questions like 'Where did my money go this month?' and upload documents for analysis. ### Is Mochi available on all devices? Currently, Mochi is supported on iPhone and iPod devices. It is designed for iOS users. ### How often is Mochi updated? The latest version of Mochi is 1.0.3, and it was last updated on October 3, 2026. Updates typically address performance improvements and new features. ### Can I manage my bills with Mochi? Mochi can identify your subscriptions and recurring charges, showing you what is due next and their monthly and annual costs. This helps you stay on top of upcoming payments. ## Version history (last 3 releases) ### 1.0.3 — 2026-10-03 Mint is now Mochi Finance. Same app, same account, new name. • Net worth now only adds up USD accounts and tells you when an account in another currency is left out, instead of counting it as dollars. • Upload pay stubs, and choose documents straight from Photos. • Clearer consent before any AI feature reads your data. • Fixes and polish throughout. ### 1.0.2 — 2026-09-29 Mint is now Mochi Finance. Same app, same account, new name. • Net worth now only adds up USD accounts and tells you when an account in another currency is left out, instead of counting it as dollars. • Upload pay stubs, and choose documents straight from Photos. • Clearer consent before any AI feature reads your data. • Fixes and polish throughout. ### 1.0 — 2026-09-15 No release notes. ## Apps similar to Mochi | App | Rating | Price | Category | | --- | --- | --- | --- | | [Rightwealth Advisors](https://appshunter.io/ios/app/rightwealth-advisors/id1499707016) | — | Free | Finance | | [MintFlow - AI Currency Convert](https://appshunter.io/ios/app/mintflow-ai-currency-convert/id6758311086) | — | Free | Finance | | [AlloFi: Money Tracker](https://appshunter.io/ios/app/allofi-money-tracker/id6781026293) | 4.8 (9) | Free | Finance | | [Budget & Bill Planner: Planned](https://appshunter.io/ios/app/budget-and-bill-planner-planned/id6757729735) | 5.0 (22) | Free | Finance | | [Debtless: AI Debt & Budget](https://appshunter.io/ios/app/debtless-ai-debt-and-budget/id6749647254) | 4.0 (4) | Free | Finance | | [Debt Eraser](https://appshunter.io/ios/app/debt-eraser/id6761077274) | 5.0 (5) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-31.*