Everything your money is doing, in one place.
Budgets, spending, debts with a payoff plan, goals, cash flow and net worth. Link a bank and the transactions arrive and sort themselves, or type it in and keep it entirely private. It lives inside the main app, an application within an application: open miya.life and Money is one of its systems, on the same sign in. This page is the same thing with the whole window to itself. Included with every plan.
Six answers, not six spreadsheets.
Spending, sorted
Transactions categorised as they arrive, in the categories you choose. A month becomes a picture rather than a spreadsheet you keep meaning to open.
Debts with an ending
Balances, rates and minimums, and a payoff plan that names the date you are free, and what one extra payment moves it to.
Cash flow ahead
A calendar of what is coming in and going out, and the first day your balance would dip, before it does.
Budgets you can keep
Set them yourself, or start from what you already spend. Fifty, thirty, twenty if you would rather have the frame than the argument.
Net worth over time
Everything you own against everything you owe, as one line, moving.
An advisor, if you want one
A monthly letter that reads your totals, remembers what you said last month, and asks whether it happened. Off until you turn it on.
Where the money goes, as one picture.
A diagram of what Miya Money keeps track of, drawn live. It is a schematic, not a screenshot of the app.
Name the date you are free.
Money builds the payoff plan against your real balances. Here is the same arithmetic on numbers you type, run in this browser and kept nowhere.
Two applications, one account.
The main app keeps the day
Bills with dates, what you spent today, the accounts you hold, and the hundred other parts of a life that are not money at all.
See all 78 systemsMoney keeps the position
Where you actually stand: categorised spending, debts, budgets, net worth, and the business books.
Open Miya MoneyNo connection, by design.
Nothing reaches your accounts
Miya Money holds no bank connection until you ask for one. Bank sync is an optional paid add-on: turn it on and link a bank through Plaid, and transactions and balances arrive on their own, read only, with the connection token kept on the server and never in the browser. Leave it off and nothing about your bank is stored at all: figures come from a statement you download yourself, or from what you type.
It is one less place your bank login can leak from, and one less company between you and your own figures.
How the numbers get in
Download a statement from your own bank as OFX or CSV, which most banks offer in a couple of clicks, and import it. Imports are matched against what is already there, so the same transaction does not land twice.
Or type as you go. Either way every figure becomes an ordinary record you can edit, categorise or delete, and budgets, debts, cash flow and net worth all work from it exactly the same.
It is already part of your plan.
Fourteen free days, no card. Money and the main app together, on the same sign in.