Getting started

Welcome to My Money! This guide walks through everything the app can do, in the order you'll actually use it: create your account, add your bank accounts and cards, record transactions, and let the app track your bills, spending, and goals.

The app is available in English and Portuguese (pt-BR). This guide uses the English labels; the Portuguese interface has the same layout. The guide itself is public and has one address per language — mymoneyapp.io/docs in Portuguese and mymoneyapp.io/en/docs in English — so you can read it, share a page, or search it without signing in. The PT / EN switch at the bottom of the sidebar moves between the two, and inside the app the guide is always one click away in the sidebar under Support.

1. Create your account

On the landing page, click Start for free and create an account (or Log in if you already have one).
Sign-up takes an email and a password. If nobody sent you an invite link, the next page asks for a friend's invite code; type it or continue without one (see Invite a friend).
Pick your plan. Starter is free for good: no credit card, no time limit, and nothing to confirm; choose Continue for free to keep it. Plus and Premium open a secure Stripe checkout first (your first paid plan starts with 7 free days, see below).
Once the plan is settled, onboarding starts (see step 2). If you leave the checkout without finishing it, you come back to the plan picker and can still continue for free.

If you picked a plan in the pricing section of the landing page before signing up, the plan picker is skipped: Plus and Premium go straight to checkout, and Starter goes straight to onboarding.

Opened the link from Instagram, Facebook or Reddit? Those apps' built-in browsers block Google sign-in, so on the sign-up and log-in screens the Google button is hidden and a notice appears at the top. Tap Open in Chrome (Android) or Open in Safari (iPhone) to carry on in your own browser with the plan and invite you picked, or create the account right there with an email and password. If the button doesn't open anything, use the app's menu (⋮ or •••) and choose Open in browser, or tap Copy link and paste it into your browser.

Upgrading to a paid plan

Starter includes one bank account, one credit card and one savings goal. When you need more, or one of the Plus and Premium features, upgrade from Settings → Billing → Upgrade or by picking Get Plus / Get Premium in the pricing section of the landing page:

Pick a billing cycle first — monthly or yearly (yearly shows how much you save).
Then pick Plus or Premium. If you're not sure, Plus unlocks the Calendar and Balance pages. You can change plans at any time from Settings.
Your first paid plan starts with 7 free days and nothing to pay up front. Pay for it before the days end (Keep my plan in Settings → Billing) and it carries on; if the days end with nothing paid, the account is paused until you pay for a plan. Checkout is handled securely by Stripe; your billing address is collected when you pay, because every invoice (nota fiscal) needs it.

What happens if a paid plan ends

If you cancel, or a payment keeps failing past the grace period, the account goes back to the free Starter plan. (The one exception is a first free trial that ends with nothing paid: that account is paused until a plan is paid for.) Nothing is deleted: every account, card, transaction and goal stays, and the Plus or Premium pages show an upgrade card until you subscribe again. Anything above Starter's limits is kept; you just can't add more until you upgrade.

See Plans and feature availability for a full comparison.

2. Run through onboarding

Once you've picked a plan (and finished checkout, for Plus or Premium), a short setup wizard opens. Only the first step is required — you can skip the rest and come back later (your progress is saved).

Bank account (required) — pick your bank from the list (or Other bank and type its name), an optional nickname, your current checking balance, and any savings pots. Mark one account as primary: that's where income lands by default.
Household (Premium) — choose "Just me", or create a shared household and invite your partner right away.
Goals — add savings goals you're working toward (you can refine them later).
Cards — add your credit cards. Set each card's payment due day and statement closing so the app can track your monthly bill, and turn on Auto debit if the bank pays the bill automatically. More on this in Credit card statements and bills.
Your data — import your history from a CSV/XLSX/OFX file, or start fresh.
Appearance — pick light or dark mode from live previews.

On the bank, goal and card steps you can add as many items as you like:

Continue saves what you've typed. Fill in the form and press Continue: the bank, goal or card is saved and the next step opens. For a single item, that is all you need.
To add more than one, press Save and add another instead. The item joins the list below the form, the form empties, and you can fill in the next one.
If a required field is missing when you press Continue, the wizard stays on the step and highlights it. Complete it, or clear the form to move on without that item (on the optional steps, Skip also moves on without saving).

The last screen

After the final step you see the You're all set confirmation with a card that depends on your plan:

On Plus or Premium — the Invite a friend card shows your invite link with Copy link and, on a phone, Share. When a friend signs up through the link and pays for Plus or Premium, you both get 30 days free. Details in Invite a friend.
On Starter — the card offers Try Plus free for 7 days (it goes straight to checkout, with nothing charged during the free days) and, right below, the same invite link: a friend who pays for a plan also earns you 30 days of Plus at no cost.

Not now, take me to the dashboard closes the card and opens the app. The last screen appears only once, when onboarding finishes; your invite link is always available in Settings, on the Referrals card.

3. Where to go next

Learn the layout in App shell and navigation.
Add more banks in Accounts and cards in Cards.
Record your first expense in Adding and editing transactions.
Learn where your data lives and what we never do with it in Your data and privacy.