# Money Tree > Money Tree is a budgeting app that connects to your bank read-only and turns everyday money management into a habit. Safe to Spend shows what you can spend today after bills, budgets and your buffer, and budgets, goals, streaks and rewards keep you on track. Money Tree is a personal finance tool, not financial advice. ## Features ### See your money clearly - Safe to Spend: one number for what you can spend today, after upcoming bills, budgets and a buffer you choose. - Net worth: what you own and what you owe across your connected accounts, with its history over time. - Transactions sorted into categories automatically. - Recurring payments: subscriptions and bills detected for you, with a reminder before each is due. - Income, cash position and a financial health score. - Totals in the currency you choose. ### Plan ahead - Budgets by category, with suggested limits based on your recent spending. - Savings goals, with suggestions to get you started. - A pay-period planner that sets your income against budgets and upcoming bills. - With Plus: a 30-day cash-flow forecast, a spending breakdown and alerts. ### Build the habit - Daily streaks, XP, coins and badges for showing up. - Daily missions and challenges. - Private leaderboards with friends you invite by link or code. You compare progress, never balances. ### Secure and in your control - Read-only bank connections through secure bank data providers. They cannot move your money. - Disconnect a bank, or delete your account and its data, at any time in the app. - Optional Face ID lock on iPhone. - Home-screen widgets for Safe to Spend and budgets. ## Pricing - 7-day trial: A 7-day trial of everything, with nothing held back. Includes: every Plus feature for seven days; no card details needed to start on the App Store or Google Play; cancel before the trial ends and you pay nothing. - Plus: After the trial, Plus is a monthly or yearly subscription. Adds: unlimited bank connections; twelve months of transaction history; export your transactions to a CSV file, narrowed by search, type, category, period or amount; premium insights: 30-day cash-flow forecast, spending breakdown and alerts. - Plus is billed through your app store, which shows the price in your currency. Cancel any time in your store account settings. ## Does not - Move money through your bank connections. They are read-only. - Offer a web app or a Windows app. It runs on iPhone, Mac and Android. - Take manual transactions or cash accounts. Transactions come from your connected banks. - Share one budget between people. Friend leaderboards compare progress, not money. - Give financial advice. ## Platforms - iPhone, Mac and Android, from the App Store and Google Play. - App Store: https://apps.apple.com/app/id6794328903 - Google Play: https://play.google.com/store/apps/details?id=com.doalier.moneytree ## Key pages - [Home](https://trymoneytree.app/): what Money Tree is - [Features](https://trymoneytree.app/features/): what the app does today, trial and Plus - [Blog](https://trymoneytree.app/blog/): guides to budgeting and personal finance - [Comparisons](https://trymoneytree.app/compare/): Money Tree compared with other budgeting apps - [Privacy policy](https://www.doalier.com/moneytree/privacy.html) ## Comparisons - [Money Tree vs YNAB](https://trymoneytree.app/compare/money-tree-vs-ynab/) - [Money Tree vs Monarch Money](https://trymoneytree.app/compare/money-tree-vs-monarch-money/) - [Money Tree vs Rocket Money](https://trymoneytree.app/compare/money-tree-vs-rocket-money/) - [Money Tree vs Copilot Money](https://trymoneytree.app/compare/money-tree-vs-copilot-money/) - [Money Tree vs PocketGuard](https://trymoneytree.app/compare/money-tree-vs-pocketguard/) - [Money Tree vs Goodbudget](https://trymoneytree.app/compare/money-tree-vs-goodbudget/) - [Money Tree vs Emma](https://trymoneytree.app/compare/money-tree-vs-emma/) - [Money Tree vs Spendee](https://trymoneytree.app/compare/money-tree-vs-spendee/) - [Money Tree vs Frollo](https://trymoneytree.app/compare/money-tree-vs-frollo/) - [Money Tree vs WeMoney](https://trymoneytree.app/compare/money-tree-vs-wemoney/) ## Blog - [Zero-based budgeting vs safe to spend: which suits you?](https://trymoneytree.app/blog/zero-based-budgeting-vs-safe-to-spend/): Zero-based budgeting gives every dollar a job. Safe to spend gives you one daily number. See how the two differ, who each suits and where each one goes wrong. - [What is net worth and how do you work out yours?](https://trymoneytree.app/blog/what-is-net-worth/): Net worth is everything you own minus everything you owe. Here's how to calculate yours in three steps, with a worked example and the mistakes to watch for. - [How to budget when you're paid every two weeks](https://trymoneytree.app/blog/budget-paid-every-two-weeks/): Budget biweekly pay by planning each paycheck on its own: match bills to the pay that lands before them, set aside budgets, and plan for the extra paycheck. - [How to find subscriptions you forgot you pay for](https://trymoneytree.app/blog/find-forgotten-subscriptions/): Find every subscription you pay for by checking bank statements, app stores, email receipts and card settings, then list each with its price and renewal date. - [The 50/30/20 rule: how it works and when it breaks](https://trymoneytree.app/blog/50-30-20-rule/): The 50/30/20 rule splits take-home pay into needs, wants and savings. See how to apply it, a worked example, and the situations where the split stops working. - [How much can I spend today? The safe-to-spend method](https://trymoneytree.app/blog/how-much-can-i-spend-today/): Work out how much you can spend today in four steps: start with your balance, set aside bills and budgets, keep a buffer, and divide by the days to payday. Last reviewed 2026-10-06.