# Mooch: Budget, Shop, Save — Automatic Budgeting On Payday

> Automated budgeting and savings app with rewards and bill pay. (iPhone/iPad app by Knab Inc.)

- Source: https://appshunter.io/ios/app/mooch-budget-shop-save/id1577839468 (this page in markdown: same URL + `.md`)
- Developer: [Knab Inc](https://appshunter.io/developer/1577839470)
- Category: Finance
- Price: Free
- Rating: 3.93/5 from 256 App Store ratings · 57 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.1 · 130 MB
- Languages: English, Spanish
- Released: 2021-11-19
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/mooch-budget-shop-save/id1577839468/reviews.md

## What is Mooch?

Meet Mooch! It's time to relax about finances with automatic budgeting on payday.

Link your bank account to Mooch and automate your budget on payday. Our app seamlessly sets aside money for bills, savings goals, shopping, and travel so you can stop worrying about expenses. With Mooch handling your budget, you'll have less financial stress and more peace of mind.

Here are 10 reasons why Mooch is the ultimate wallet for your financial journey:

1) Envelope Budgeting Made Easy: Simplify your finances with automated envelopes in Mooch. We handle the transfers, making budgeting hassle-free.

2) Secure Money Storage: Protect your funds from impulsive shopping sprees with the Mooch Wallet. Our fee-free wallet app offers a secure way to store your money, with deposit accounts FDIC insured up to $250,000 offered through our partner banks.

3) Monthly Cash Rewards: Earn cash rewards every month for successfully filling your envelopes inside your Mooch Wallet. We make budgeting and managing your finances more rewarding by incentivizing you to stick to your financial goals.

4) Automatic Bill Payment: Never miss a payment again! Mooch, the reliable Wallet, sends full envelopes back to your bank before bills are due, ensuring timely payments.

5) No Hidden Fees: Enjoy a Wallet app free of fees, including hidden ones. Transfer money between envelopes anytime to stay in control of your finances.

6) Comprehensive Budget Management: Mooch simplifies personal finance, money management, and budgeting. Switch from weekly, daily, or monthly budget tracking with ease using our versatile wallet app.

7) Completely Free: Get started with our free wallet without spending a dime. Begin your journey towards living financially free right away.

8) Cashback Rewards: Earn cash back when you successfully budget with envelopes using Mooch, your favorite free wallet app. Achieve your financial goals more easily with Mooch's rewarding system.

9) Flexible Envelope Transfers: Adjust your budgeting as needed by transferring money in and out of envelopes anytime using our adaptable wallet app. Maintain control over your finances with our friendly wallet app.

10) Automated Savings: Reach your financial goals effortlessly with Mooch's automatic savings feature. Save money without even thinking about it, thanks to our efficient wallet app.

Bonus capabilities:

+ Active Support Chat: Receive prompt assistance via text message or email. Our support team is always ready to help you maximize your money experience with Mooch, the best free wallet app.

+ Goal Tracking: Set financial goals, like saving for a vacation, saving for your dream purchase, or building an emergency fund, and track your progress with Mooch's user-friendly wallet app interface.

+ Budgeting Insights: Gain valuable insights into your spending habits and identify areas to save more money with our Mooch wallet app. Stay informed about your finances with Mooch.

+ Customizable Envelopes: Create and manage personalized envelopes to suit your individual needs with our flexible wallet. Easily allocate funds for groceries, rent, entertainment, and more.

Download Mooch – the ultimate free wallet app – today and take the first step towards financial freedom. Experience the power of envelope budgeting with cash back rewards for successful saving – all at your fingertips. Let our wallet app guide you on your journey to better financial management.

## Key features

- Automatic budgeting on payday
- Automated envelope system
- Secure money storage with FDIC insurance
- Monthly cash rewards for budgeting
- Automatic bill payment
- Goal tracking
- Budgeting insights

## What do users think of Mooch?

Overall sentiment: mixed

**Pros**

- 💰 Rewards users with bonuses for budgeting
- 👍 Simple and intuitive user interface
- 🎯 Effective envelope-based budgeting system
- 🚀 Automatic bill payment and fund allocation
- 👁️ Out-of-sight-out-of-mind money management
- 📱 Easy access to account from anywhere
- 💡 Innovative digital envelope concept
- 🏦 Reliable and timely fund transfers
- 🤝 Responsive customer support (when available)
- 📊 Clear visibility of safe-to-spend amounts

**Cons**

- 🐛 Frequent app crashes and glitches
- ⏱️ Delayed fund transfers (2-3 days)
- 🔒 Requires bank account connection via Plaid
- ❌ Cannot edit/delete envelopes without crashing
- 🚫 Cannot adjust pay dates without deleting all envelopes
- ⚠️ Limited bank compatibility through Plaid
- 🔄 Failed transfer attempts
- 😞 Poor customer support response times
- 💳 Deposit amount caps causing scheduling issues
- 🔐 Sketchy business model concerns (free app, no clear revenue)

**Commonly reported bugs**

- App crashes when editing or deleting envelopes
- Login verification code not sending
- Login screen freezes and extended login times
- Slow app loading when adjusting withdrawal dates
- Failed automatic fund transfers
- Money not returned by scheduled due dates
- Plaid integration failures with certain banks
- Bonus payment delays
- Unresponsive customer support tickets

**Most requested features**

- Support for multiple bank accounts
- Flexible pay date adjustment without deleting envelopes
- Annual and non-standard pay period options (semi-monthly, last business day)
- Ability to start envelopes with existing savings
- Shared envelopes for collaborative expenses
- Ability to skip payments and reschedule
- Envelope manipulation and reallocation features
- Recurring expenses on non-standard intervals (e.g., every 10 weeks)
- Lump sum additions to existing envelopes
- Cent-level budgeting precision
- More flexible savings goal timelines
- Account deletion option while envelopes are active

## Recent user reviews (10 of 57)

All indexed reviews: https://appshunter.io/ios/app/mooch-budget-shop-save/id1577839468/reviews.md

### 4/5 — Huge leap in financial management

*2023-12-23*

Update to previous review: I want to love this app but the bugs and failed transfers are making it very difficult to continue to recommend it to people. Why can’t it just work? Knocking one star off my review for now. I’d love to add it back if the bugs get worked out. 

This app has changed my financial life. I’ve never been able to budget and I also tend to spend more when there is any amount of excess money sitting in my bank account. Mooch has given me the tools to properly budget and it keeps my spending in check. For the first time in my life, I have savings goals set up that I am working toward every month. It was brilliant of them to not charge a subscription for this service, instead flipping that on its head and paying users bonuses. It makes sense and seems very fair, seeing as they will earn a little interest on money sitting in envelopes. I have recommended this app to several friends and here I am writing a review. You can say I’m a big fan.

**Developer response:** Hello! Thank you for the kind words, we're glad Mooch is helping you out with your savings journey. The bonuses are a little extra incentive to keep going and build up your savings towards your goals. Stay tuned for more updates to come this year! :)

### 2/5 — Incredibly frustrating app

*2023-11-17*

When I first downloaded this app everything was going great. I think it’s a very cool concept and it would’ve helped me manage my money and budget but it’s been more than a month since I contacted mooch customer support about their app crashing. I can’t edit or delete any envelope without the whole app crashing so mooch weekly is trying to take money out of my account and I can’t do anything about it and I can’t delete my account because I still have envelopes open. When I spoke to customer support all they said is they’ve escalated it to their engineering team and that was more that a month ago and I haven’t heard anything back and the app is still not working. It would be great if I can just delete my account and delete mooch. I wouldn’t recommend this to anybody.

### 5/5 — Huge leap in financial management

*2023-09-22*

This app has changed my financial life. I’ve never been able to budget and I also tend to spend more when there is any amount of excess money sitting in my bank account. Mooch has given me the tools to properly budget and it keeps my spending in check.

For the first time in my life, I have savings goals set up that I am working toward every month.

It was brilliant of them to not charge a subscription for this service, instead flipping that on its head and paying users bonuses. It makes sense and seems very fair, seeing as they will earn a little interest on money sitting in envelopes.

I have recommended this app to several friends and here I am writing a review. You can say I’m a big fan.

**Developer response:** Hello! Thank you for the kind words, we're glad Mooch is helping you out with your savings journey. The bonuses are a little extra incentive to keep going and build up your savings towards your goals. Stay tuned for more updates to come this year! :)

### 5/5 — Great budgeting app!

*2023-09-12*

I was so excited when Mooch became available to me. I love that it helps me budget monthly for my bills and gives bonuses for doing so. It’s equivalent to any other big bank savings account, except, I don’t have to maintain a balance. It’s helped me see how much money I truly have every month once the money is taken out. It allows me to actually budget for savings and “fun money”. Overall a great app and highly recommend!

**Developer response:** Hello! We're glad Mooch is helping you out with your monthly budgeting, saving, and allocate some extra for fun money. We have more updates coming that should help you budget even better coming this year, stay tuned! :)

### 4/5 — Good but has flaws

*2023-09-12*

The app has a great concept, and the actual execution of the idea isn’t half bad but since they are new there are definitely flaws to it. They say the money will come out the day you set as payday but there is ALWAYS a 2-3 day delay which can be frustrating as I have had it error out and not complete the withdrawal. It could definitely be more efficient but they are still growing so I hope it comes with time. Also as someone who has multiple accounts I wish the app could support connections to more than 1 bank account

**Developer response:** Hi, thank you for taking the time to provide us feedback! We're working on making it so the transfer times get faster, stay tuned for more updates to come this end of summer! :)

### 5/5 — Amazing!!

*2023-09-11*

I have been using this app to help manage my money and save. It’s super easy to use and I have been enjoying the “safe to spend” feature as I am one to loose track of where I am within my budget day to day. One thing I would like to see is maybe a shared savings/expenses envelope that two or more users can add to for shared expenses or to collaboratively save for vacations.

**Developer response:** Hi there! Thank you for the kind words and we're glad you're especially liking the safe to spend feature. We are actually planning to launch shared expenses and collaborative savings very soon, stay tuned for the announcement! :)

### 5/5 — Amazing Savings App!!

*2023-09-09*

I love this app! Being able to set budget goals for bills and future needs is very convenient. I used to use a different budgeting app, but they were lacking greatly. But as soon as Mooch was available, I signed up immediately. I like being able to access/view my envelopes no matter where I am. I also like that I can put money away and it be out of sight out of mind. Although there are a few issues, they seem to be resolved fairly quickly. I would love to be able to manipulate envelopes. Because sometimes you may want to save more aggressively towards one envelope vs another. I also wish that you could skip a payment and move it to another day whenever life throws you a curveball. Sometimes you are put in a position where you have to cancel your whole envelope, and now you have lost that interest that you have gained. But as I mentioned before, I know that mooch is constantly evolving, so I am patiently waiting for all the improvements! And highly suggest this app for your budgeting needs!

**Developer response:** Hello! Thank you for providing such detailed feedback, this is super helpful for app improvements. We're working on more envelope flexibility as for the skip payment you can tap into an envelope -> click the pencil -> view options -> click Skip. I believe this is what you mean but if not we are working on more updates this year! :)

### 5/5 — A loyal user!!

*2023-09-09*

As someone who struggles to save money, discovering mooch has changed the game for me. I’m a heavy spender, and mooch allows me to allocate that money away into a savings so I don’t feel the urge to spend it. It’s just the perfect app for me and it continues to grow frequently. I’ve had amazing conversations and experiences with support when I needed help and just when they wanted feedback on the app. You can really tell that this team really cares about this app and it’s community and it’s hard to find companies and other apps who care to that extent. 
I’m excited to watch this app grow over the years!

**Developer response:** Hello! Thank you so much for your detailed review, we're glad our service has met your expectations and it's helped you on your savings journey! We have more upgrades coming to savings this year, stay tuned :)

### 1/5 — Beware if you save a large amount of money here

*2023-09-01*

I had debated posting this because small companies have a hard time in general. August 10th I reached out to support for a general issue I thought.  It took a decently long time to get a response( few hours) 
Alex said he would look into it, here’s where I went wrong i let these guys take all the way till the 25th of august to reach back out to them. They didn’t respond once during this. Only to get a thanks for you’re patience……. Tuesday rolls around finally get more than one response when I reached out again. 
Turns out they realized the issue! Yay right? 
No unfortunately this is what led me to posting. It’s currently September 1st 2023 and my money and account have yet to be sent to my back and account deactivated….. be extremely cautious on where you put large sums of money if you need them asap. This app can’t handle instant requests so be cautious you could be left high and dry while you get no support and your money sits with them.

**Developer response:** Hi, thank you for your detailed review! Upon looking at your account, the issue seems to be resolved. We are working on improving our support response times and quality and see this as a top priority. In the coming month we will be rolling out improvements and training on this, thank you for your patience this time around :) As always if you have any questions our email is hello@amoochlife.com or text us at 716-325-6125

### 2/5 — Not Well Executed

*2023-07-06*

I understand giving bank information but if possible should allow to not have to give it. Even so “Plaid” doesn’t support my bank getting connected so I cant even use the app because its the only bank account i have and cant use the app without connecting a bank account.

I love the easy budgeting idea and would’ve loved to play around with it especially since its nice having a free budgeting app but so much error already. Im fine with manually entering budgeting info and income stuff but cant :/

**Developer response:** Hello! We're sorry Plaid doesn't support your bank, since we partner with them we're limited to what they can support :/ For the manual entering in budgeting piece, we don't support this because we find it takes a lot of effort for most people to do. Our app is a little different in that we automatically help you with your budget, find ways to save, and provide recommendations based on your linked bank. Hopefully in the future we can open support to your bank! As always if you have any questions or more feedback feel free to email us at hello@amoochlife.com :)

## Frequently asked questions about Mooch

### What does Mooch do?

Mooch is a personal finance app that automates your budget on payday. It helps you set aside money for bills, savings goals, and spending by using an envelope budgeting system. The app aims to reduce financial stress and provide peace of mind.

### How does Mooch's budgeting system work?

Mooch uses an automated envelope system to simplify budgeting. You link your bank account, and the app automatically transfers funds into different envelopes for bills, savings, shopping, and travel. This makes managing your money hassle-free and helps you stay on track with your financial goals.

### Is Mooch free to use?

Yes, Mooch is completely free to use. There are no hidden fees, and you can start managing your finances and working towards your financial goals without spending any money.

### What are the benefits of using Mooch?

Benefits include automated budgeting, secure money storage with FDIC insurance, monthly cash rewards for successful budgeting, automatic bill payments, and flexible envelope transfers. The app also offers budgeting insights and goal tracking to help you manage your money effectively.

### How does Mooch help with savings and goals?

Mooch facilitates automated savings, allowing you to reach your financial goals effortlessly. You can set specific goals, such as saving for a vacation or an emergency fund, and track your progress through the app's user-friendly interface. The app also rewards you for successfully budgeting and saving.

## Version history (last 5 releases)

### 11.0.0 — 2023-12-30

We've heard your feedback and now you can edit your payday! You can now edit the amount, and we will be shipping the ability to edit the frequency soon!

### 10.1.1 — 2023-12-06

Mooch gets better every 2 weeks! For this version we have:

- Launched New Shopping Feature! Set aside money on payday towards future purchases or add to your Mooch wishlist

As always if you run into any issues please text us at 716-325-6125 or email us at hello@amoochlife.com

### 10.1.0 — 2023-11-21

Mooch gets better every 2 weeks! For this version we have:

- Launched New Shopping Feature! Set aside money on payday towards future purchases or add to your Mooch wishlist

As always if you run into any issues please text us at 716-325-6125 or email us at hello@amoochlife.com

### 10.0.0 — 2023-11-16

Mooch gets better every 2 weeks! For this version we have:

- Launched New Shopping Feature! Set aside money on payday towards future purchases or add to your Mooch wishlist

As always if you run into any issues please text us at 716-325-6125 or email us at hello@amoochlife.com

### 9.1.0 — 2023-10-14

Mooch gets better every 2 weeks! For this version we have:

- A faster onboarding flow that helps you start living the Mooch life even faster

As always if you run into any issues please text us at 716-325-6125 or email us at hello@amoochlife.com

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*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 2026-06-10.*