Moza Feature Landing & Product Knowledge
Explore Moza's core financial capabilities: category envelope budgeting, bank-grade account reconciliation, Safe to Spend, privacy-first statement import, and grounded AI reasoning.
- Account Reconciliation — Match imported statement lines against your ledger. Detect missing transactions, catch duplicate charges, and verify exact bank balances with zero guesswork.
- Safe to Spend — Know exactly how much money is genuinely uncommitted after reserving for upcoming recurring bills, active envelope targets, and debt commitments.
- Bank Statement Import — Drag & drop official bank statements from any institution worldwide. Auto-extract, normalize, and de-duplicate transactions without sharing bank credentials with third parties.
- Envelope Budgeting — Assign every dollar with intention. Track planned allocations, carryover balances, and monthly rollovers without rigid zero-based stress.
- Ask Moza AI — Ask complex financial questions in plain English. Analyze spending trends, draft budget adjustments, and query your transaction memory with zero hallucinations.
- Accounts & Net Worth — Consolidate bank checking, savings, investment portfolios, real estate, and liabilities into a single calm net worth timeline.
- Multi-Currency Engine — Manage bank accounts in USD, EUR, GBP, JPY, or CAD with real-time ECB exchange rate conversions and unified base currency reporting.
- Categories & Tags — Organize your money your way. Create nested category groups, custom icons, rules, and cross-cutting project tags.
- Financial Goals — Set target goal balances for home down payments, emergency funds, or vacations, linked directly to dedicated bank accounts.
- Debt Payoff Planner — Model credit card, student loan, and mortgage payoff schedules. Compare Debt Snowball vs Avalanche methods to save thousands in interest.
- Receipt Scanning OCR — Snap photos of receipts or upload invoices. Extract total, tax, date, and line-item details with instant transaction matching.
- Quick Input & Shortcuts — Log cash expenses, split bills, and capture on-the-go transactions in under 2 seconds with quick gestures and homescreen widgets.
- Recurring & Subscriptions — Uncover hidden recurring subscriptions, predict upcoming bill due dates, and prevent accidental overcharges before they hit your account.
- Cash Flow Forecasting — Project future bank checking balances based on recurring income, scheduled bills, and historical spending velocity.
- Financial Memory — Moza builds a persistent memory profile of your recurring income habits, seasonal spending patterns, and financial milestones over time.
- Decision Engine — Evaluate major purchases, career transitions, or life changes against your true uncommitted cash, runway, and financial goals.
- MCP Connected AI — Connect Claude Desktop, ChatGPT, or custom AI agents directly to your Moza financial workspace using open, secure MCP protocols.
- Shared Workspaces — Manage joint household budgets together while preserving individual account privacy with role-based workspace permissions.
- Shared Expense Groups — Split trip expenses, roommate rent, or group dinners fairly. Track who paid what, calculate net balances, and settle up in one click.
- Custom Dashboards — Build your ultimate financial cockpit. Arrange net worth charts, envelope trackers, recent transactions, and custom KPI cards with drag-and-drop ease.