Moneymo

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Inspiration

Every month I'd look at my bank balance and wonder where it all went. Budgeting apps showed me charts, but none of them actually helped. I wanted a money buddy that just tells me what's going on and handles the annoying stuff.

What it does

Momo, an AI companion connected to your real accounts. Ask "Can I spend $300 this weekend?" and get a straight answer
Safe to spend: how much you can use today without touching bills or goals
Refund Watch: tracks refunds you're owed and nudges you if they don't show up
Subscription cleanup: finds recurring charges and helps you cancel them
Transactions your way: rename, split and auto-file merchants once, forever
Budgets, goals and weekly reviews that read like sentences, not spreadsheets

How we built it

App: Expo + React Native, Reanimated and Skia for the smooth Momo animations
Backend: Fastify, Postgres with Drizzle, BullMQ workers for background insights
AI: LangGraph agent with memory, tool calls and a reply verifier that checks every number against real data
Bank connections: Quiltt · Auth: Clerk · Subscriptions: RevenueCat
Monitoring: Sentry + PostHog · Landing page: Vite + React

Challenges we ran into

Stopping an AI from making up numbers. We built evals and a verifier so Momo only says what your data backs up
Letting Momo take actions (like cancelling a subscription) safely, with approval gates for anything risky
Messy bank data: pending vs. posted duplicates, weird merchant names, split bills
Making a finance app feel warm and cute without losing trust

Accomplishments that we're proud of

Momo actually does things, not just chats
A character people smile at when they open a finance app
Answers grounded in real accounts, checked before they're shown
A polished, shipped iOS app, built end to end

What we learned

Trust is the product. One wrong number and people stop listening
Small, specific answers beat big dashboards
Personality matters, even in finance

What's next for Moneymo

Momo Autopilot: more hands-off actions, like bill reminders and moving money to goals
Home screen widgets for your daily money check
Shared budgets for couples and roommates
More languages and more banks