Your whole month, the moment you open it.
No digging. The first screen answers the only question that matters: how am I doing this month?
- 01.1See what’s left to spend and what’s already gone, at a glance.
- 01.2A live breakdown of where your money is going, biggest first.
- 01.3Colour tells the story — a soft fill while you’re comfortable, a deeper one as a category gets tight.
Budgets that actually hold.
Give every category a limit and watch it fill as you spend, so you always know how much room is left.
- 02.1Choose the style that suits you — envelope, rolling, or zero-based.
- 02.2Carry a surplus forward to next month, or roll an overspend back.
- 02.3Every category updates the instant a spend lands — no reconciling.
Logging a spend takes seconds.
Type it, scan the receipt, or split it — then forget about it. The ledger stays precise without stealing your time.
- 03.1Snap a receipt and let it read the amount and merchant for you.
- 03.2Split a bill across categories or people in a couple of taps.
- 03.3Tag, note, and search — every past spend is a swipe away.
Bank & mobile-money alerts, logged for you.
Paste a transaction message and Master of Coin reads the amount, the merchant and the category — so nothing slips through unrecorded.
- 04.1Works with bank SMS, mobile-money alerts (M-Pesa and more), and card notifications.
- 04.2Messages are read on your device — nothing is stored until you approve it.
- 04.3You review every detected spend before it’s ever saved.
A briefing, not a spreadsheet.
Each month, a short, plain-language read on what changed — so you act on your money instead of just recording it.
- 05.1See this month against the last, category by category.
- 05.2Spot the quiet climbs early, before they blow a budget.
- 05.3Clear prompts on where to ease off and where you’re winning.
The boring parts, handled.
Set it once and Master of Coin keeps the books current — recurring bills, smart categories, and a nudge before things go wrong.
- 06.1Recurring rules post rent, subscriptions and salaries on schedule.
- 06.2Smart categorisation learns where your spends belong.
- 06.3Gentle alerts when a category is close to its limit.
Turn ‘left over’ into ‘saved’.
Give your surplus a job. Set a goal, watch the bar fill, and let every good month move you closer.
- 07.1Set a target and a date, and track the progress at a glance.
- 07.2Move surpluses toward a goal instead of letting them drift.
- 07.3Reports and export put the full picture in your hands, any time.
Your data stays yours.
A money app only works if you trust it. So the deal is simple: your data is private, encrypted, and entirely under your control.
- 08.1We never sell your personal or financial data — ever.
- 08.2Encrypted in transit and at rest; sensitive parsing happens on-device.
- 08.3Export everything, or delete your account and all of it, whenever you like.
Delete your account, and everything in it.
You can walk away whenever you like. Deleting your account is permanent and takes effect immediately — there’s no grace period, and it can’t be undone.
- 09.1Start it from Settings → Delete account, then confirm — we make sure you mean it, because there’s no going back.
- 09.2Everything on our servers is erased in one go: budgets, expenses, accounts, categories, savings goals, recurring rules and reports.
- 09.3Your sign-in is removed too, so your email is freed to use again and nothing about you is left behind.
- 09.4On your phone, the local copy is wiped — offline data, cached receipts and settings — and the app returns to the welcome screen.
- 09.5Want a record first? Export your data before you delete — the wipe keeps no copy for you.