The MOOLAH App is a financial decision-making tool that assists low-income households in the United States. The app will allow the user to achieve their personalized financial goals by assessing their financial situation, creating a budget with connections to stabilizing public benefits, and recommending related social services and financial products. Essentially, the application will serve as a personal financial management software combined with a single-stop public benefits and community services referral portal. It also will open the door for future integration with developing mobile money services (i.e. freezing of mobile payments when a personal budget has been exceeded). Without the MOOLAH App providing a bridge to relevant financial information, services, and technologies, low-income households will be unable to make better economic decision and will fall further behind.