# Mooch: Budget, Shop, Save — user reviews > 57 indexed App Store user reviews of Mooch by Knab Inc, rated 3.93/5 from 256 ratings. - Source: https://appshunter.io/ios/app/mooch-budget-shop-save/id1577839468/reviews - App overview in markdown: https://appshunter.io/ios/app/mooch-budget-shop-save/id1577839468.md - Rating breakdown: 5★ 153 · 4★ 31 · 3★ 15 · 2★ 14 · 1★ 43 ## 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 ## Newest reviews (15 of 57) ### 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! :) ### 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! :) ### 4/5 — Great app, small flaws *2023-04-24* Great app. However there’s some flaws- you can’t adjust your pay date unless you delete all your budget envelopes. Also, not all the pay types are presented- example i work in a semi monthly pay period not bi weekly. And pick a date won’t work because the pay period could landed on a weekend and the money won’t get deposited or cleared until the next working day. **Developer response:** Hi, thanks so much for the feedback! For semi monthly you can choose -> Custom Frequency -> pick for example 15th and 28th. Then Mooch will budget always on the 15th and last day of the month. Agreed it's a bit annoying to have to delete all budget envelopes to adjust pay date we're working on fixing that! Feel free to reach out to hello@amoochlife.com or text 716-325-6125 if you need help with the pay frequency :) ### 4/5 — Amazing app that helps me stay on track *2023-04-18* I loved the idea of cash envelopes for keeping track of expenses, but the thought of having to take out cash after every pay period and organize into envelopes seemed like a lot of work, and I’d have a lot of anxiety over losing the envelopes. Mooch app allows me to have virtual cash envelopes, where they auto draft funds each time I have a paycheck, and then return the funds to me a day before the bill is do. It works really well. They also give you a day by day breakdown on how much you are able to spend to stay within your goals. My only downside is that most of my bills are due on the 1st of the month, but mooch has a cap limit on deposits, so I have had to offset the dates of a few of my bills so they don’t try to transfer on the same date. I also recommend users making their bill due date a day or two early as sometimes the money isn’t returned by the due date you set. Other than that, it’s a great app! **Developer response:** Hello, thank you for your feedback! We're working on the cap limit for deposits, other than that we're glad you're liking it so far :) ### 4/5 — Great Concept with a Few Glitches *2023-04-08* Let me start by saying I love the concept of this app. I love that it takes my current way of budgeting and makes it digital. With that being said, I have several envelopes set up (savings & monthly bills). When trying to fine-tune & adjust withdrawal dates from my bank, the app either loads extremely slowly or glitches to where I have to force close the app and reboot. I know there are frequent updates that come out, so I will stick it out until it gets better, but I hope these things get addressed on future updates. **Developer response:** Thanks for the feedback! We're prioritizing fixing the slow load for those who have several envelopes set up for expenses and savings. Happy that you're living the full Mooch experience, please email hello@amoochlife.com and refer to this review if you need updates on our progress fixing this ### 5/5 — Exactly what I’ve been looking for!!! *2023-02-07, version 3.3.3* I’m not an app gal. In fact, I’ve always written things down on paper and have been terrible at keeping track. All other apps have way too much going on and overwhelm me. This app is simple, easy to use, and EXACTLY what I’ve been looking for!! I am SO excited, I think this app will really help me get my finances in order and I am SO excited to share it with all my friends. Great idea guys, keep it going!!! **Developer response:** Thanks so much we're glad it's helping!! we shall keep going and work on adding more helpful features :) ### 4/5 — Seems great but I have annual expenses too, not just monthly *2023-01-30, version 3.2.0* I wish there was a way to set up annual expenses so a little bit of money can be tucked away throughout the year and then returned to my account just in time for the payment. ### 4/5 — Better Payday Options *2023-01-22, version 3.1.1* Hi! I’m a new user and one thing that I would like to see updated is the payday option. I get paid monthly on the last business day of each month, so the actual date changes each month. I would love to see it added as one of the frequency rate options. **Developer response:** Hi thanks for the detailed review! we're looking into the payday option for you to include in a future update. For now the best option is to set your pay to the first of the month for your scenario :) ### 5/5 — Reliable and user friendly budgeting! *2023-01-06, version 3.0.0* I started using Mooch 5 months ago and it’s the only budgeting app that WORKS for me! Once I had my expenses set up, I never had to worry about it again. I was a little hesitant about giving access to my bank, but the deposits and withdrawals always come on time! You can set up the money transfers for specific days and it so reliable. Plus… BONUSES! If anyone has trouble sticking to a budget or can get overwhelmed trying to figure one out, this is app is a great place to start. **Developer response:** Hello thank you so much for the kind review, we're glad you're enjoying the budgeting experience and bonuses too! It's a starting point for us as well, more upgrades to come this year :) ### 4/5 — underrated *2023-01-05, version 3.0.0* i’ve had mooch for a few months and it really has helped me in saving some money aside each month for that rainy day. i highly recommend this to those who don’t know where to start when it comes to budgeting! ### 5/5 — Helpful and Simple *2023-01-04, version 3.0.0* I have been searching a decent budgeting app and this one IS IT. I appreciate how this app allows you to gage what money can be set aside for savings as well as provides useful information on how much your emergency funds should be according to your designated income. It could be just a little more helpful in the sense that dates should be able to be changed cause life is uncertain and goals change. However, other than that, Mooch has definitely improved my financial mindset! **Developer response:** Hello thank you for being a fan! We are working on making the envelope dates more flexible stay tuned :) ### 3/5 — Love it but needs little improvements *2023-01-04, version 3.0.0* Love the app but needs some improvements. Have to delete all envelopes to change pay. Little things like that. Wish I could link all my bank accounts to have different envelopes for everything ### 5/5 — So helpful!!! *2023-01-04, version 3.0.0* I’m so happy to have discovered this app!!! Helps me so much to set aside my rent money and other bills. I showed it to 2 other people and they love it too! ### 5/5 — Great app! *2023-01-04, version 3.0.0* I started using Mooch a few months ago, and I really love it. It keeps me accountable and there is no stress knowing I have budgeted well using this app. Earning a a bit of interest on your payments is also very nice! ### 5/5 — Love this app *2023-01-04, version 3.0.0* Honestly this app is amazing. It’s helping me save money while also rewarding me. It’s easy to keep the money there because it’s a out of sight out of mind thing so I never feel the need to touch that money! **Developer response:** Thanks so much for the feedback! We're glad it's helping you with peace of mind budgeting and also feels rewarding at the same time :) ## Most critical reviews (10 lowest-rated) ### 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 ### 1/5 — Link to bank *2023-06-09* If you want to have an app to keep track of expenses, income, etc. this app is not it. The app requests to have you link your bank account. I simply wanted to set up an overview of my income and expenses to help me budget. I thought this app could do that since it has been so helpful on tik tok but I was wrong. Also this is kinda sketchy because how do you get money back when you do envelopes when the company has no way of generating income(free app w free services). **Developer response:** Hi! We're sorry we didn't meet your expectations. Our app works by linking your bank account and setting aside money for future expenses and savings versus tracking an overview of your income and expenses. We're working on improving education in the app in our release this week! We'd love to hear more feedback and help your financial journey, you can email hello@amoochlife.com if you wish :) ### 1/5 — Not sending the verifying code *2022-11-09, version 2.15.0* Right of the bat the app doesn’t send me the verification code ### 1/5 — Waitlist time is crazy *2022-05-13, version 2.3.0* Still on the waitlist at #1353…why put out an app on one of the largest platforms and not actually have it available for months at a time? I can’t even remember when I downloaded the app, but it has been at least 2 months and I don’t think I moved 1 number. Definitely disappointing. ### 1/5 — Not ready for prime time *2022-03-21, version 2.1.0* Immediately placed in a wait list. No updates, no communication and almost a month later, no movement. It appears this project has been abandoned. ### 1/5 — Tricky *2022-03-10, version 2.1.0* Not able to delete bank info. Changing it out is fine but if I want my bank info deleted, I should be given the option. ### 1/5 — Not sure what’s happening *2022-02-09, version 1.0.5* Been 2 days and I’m still on a “waiting list”. Why is there a waiting list on an app??? ### 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. ### 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 :) ### 2/5 — Great app, worst CS *2023-01-28, version 3.2.0* 2 stars ONLY because the app itself is great. So unfortunately, I had to contact Mooch for questions twice. That two times “Linda” would respond to the first message, then proceeds to ignore me??? Why even respond if she’s going to ignore my messages? I have screenshots of me texting them multiple times, eventually restarting the conversation so that I can ask for someone else. They are doing this bank transfer now, which is a big hassle for the users but I’m doing it because I still would like to use the app. Again, Linda responded to my first few messages, crickets now. I definitely am not texting my friend for a favor lol I expect an answer when I inquire about their own app, with a resourceful answer in a decent time frame. With the time, I don’t mean within 2 minutes, I mean within 3-4 hours. But Linda failed to do so resulting in this review. **Developer response:** Good evening, thank you for the valuable feedback! David from our team is on it and reached out to help personally, please email any screenshots you may have to hello@amoochlife.com so we can learn from this and improve our support :) ## Most praised reviews (10 highest-rated) ### 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! :) ### 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 :) ### 5/5 — New and upcoming! *2023-04-19* This app has been awesome to try out and use! The concept is awesome and love the various perks it brings. I am excited to see future updates to the app but overall is user friendly and a great way to save money. Couldn’t recommend this app enough to people, especially those attending college. **Developer response:** Hi there, thanks for the awesome feedback! We're glad you're liking it so far and also recommending to others. Cheers to more improvements coming this year :) ### 5/5 — Awesome app! I love it *2023-04-19* This app works amazing, honestly I kinda of forget about it every time, I have my envelopes set up and I don’t have to worry one bit about making sure my money is right in the bank! Best thing ever! **Developer response:** Hi there, thanks for the amazing feedback! We're glad Mooch is helping you out with your budget so far. More updates coming soon :) ### 5/5 — Love this app *2023-04-19* This app is great! I love the way it allows me to setup all my expenses and have it take out the right amount for them every Friday so that I never over spend and my bills always stay paid and on time without having to worry because it’s all completely automatic. Plus it’s nice to get a little bonus every now and then. I plan on sharing this with my mom to help her get her finances back in order, I think it’s gonna work out for her👍🏼👍🏼 **Developer response:** Thanks for the kind feedback! We're glad it's making your finances easier to manage, and hopefully it'll help out your mom as well :) More updates coming this year! ### 5/5 — Great App that Continues to Improve *2023-04-19* With each paycheck I have mooch automatically take the money out an allocate it to a certain expense or savings goal and then I know that whatever I have left in my checkings is left for me to spend. When a certain bill comes up I’m confident that mooch will have that money back in my account in time for me to make my payment. It makes it easy to budget and make sure that every dollar I own is being allocated and keeping up with savings goals. For me it works because the money is out of site and out of mind. I joined mooch almost immediately after app release and have seen it come a long way. I used to be frustrated by some of the limitations but I see that the app developers are actively listening to their users and am confident they will only make the app better with time. Some functionality I hope to see added with time is recurring expenses that are not on a standard monthly basis. (I have my dogs food autoshipped every 10 weeks and would like mooch to manage that money). I would also like to see more flexibility with savings goals by having the ability to add a lump sum of money when the folder is created and throughout its savings period. Sometimes people have cash already allocated to a savings goal that isn’t in mooch’s system yet and sometimes people get bonuses and other surprise money they would like to allocate. Nonetheless, I am optimistic these features may be added with time and I can work around this in the mean time. **Developer response:** Hi there, thanks for the feedback and sticking it out with us since the early days! We do read and listen to every feedback and have implemented many of the suggestions. The lump sum for savings goals is something we're working on. So hope to have it out soon. More improvements to come this year :) ### 5/5 — Amazing concept and great customer support! *2023-04-18* This app is so helpful! I always loved the concept of money envelopes for all of my bills and savings, but thought it was too much upkeep to do. Here all those same concepts are made digital and comes right out of your account each week with the math done for you so it’s easy and convenient. There has been little issues and bugs here and there, but the customer service is always super helpful in fixing the problem in a short amount of time. I definitely recommend this for anyone who’s looking for a convenient way to digitally budget! **Developer response:** Hi there, thanks for the review! We're glad you're liking the digital envelope concept so far. There's been many upgrades to the flexibility of the app every month so thanks for bearing with some of the minor bugs. More improvements and budget tools to come this year! --- *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.*