Privacy by default
Financial data handled with security in mind — no selling data for advertising.
Closed beta · new spots released weekly
Personal financial management with clarity and control.
Moderatio brings household workspaces, accounts, categories, transactions, debts, settlements, and the AI assistant into a clear experience for organizing the month without spreadsheets.
Invites released in signup order.
Free cancellationPrivate data
7 min
To set up your first account
3 min
To log your first transaction
24/7
Web access to your financial dashboard
Free
During the closed beta
Who Moderatio is for
Built for people who want
control without the clutter
01
People moving off spreadsheets who want a clear monthly view
02
Couples and families sharing finances without chaos
03
Freelancers mixing personal and business money
Core capabilities
Everything you need to
master your finances
Essential tools to turn financial data into practical daily decisions.
360° financial view
All your workspaces, accounts, transactions, and debts in one panel. No spreadsheets, no confusion.
Multi-account, multi-currency
Manage checking, savings, and card accounts with balances and history organized by workspace.
Smart categories
Classify income and expenses with customizable categories. Know where every dollar goes.
Debt tracking
Track loans and installments. See outstanding balances and payoff progress in real time.
Shared workspaces
Manage finances as a couple or family. Each person with the right level of access.
AI assistant
Use text or voice to log entries, ask about the month, and turn answers into reviewable drafts.
Product commitments
A foundation for a
trustworthy, professional experience
Product transparency
See what's available today, what's evolving, and what's on the roadmap.
Clarity-first decisions
A focused interface for cash flow, commitments, and monthly priorities.
"Moderatio isn't just a finance app. It's a shift in perspective — from chaos to clarity, from impulse to awareness, from month-to-month to a more organized routine."
— The philosophy behind the product
01
Clarity above all
Clean dashboards. Honest numbers. No confusing charts or metrics nobody understands.
02
Real control
You decide how to categorize, which workspaces to track, and which commitments to prioritize. It's your money.
03
Privacy first
Your financial data is yours. No data selling, no targeted ads.
Frequently asked questions
What you need to
join the beta with confidence
How much does the beta cost?
Nothing. Early beta access is free while we validate the experience with our first users.
Does Moderatio connect directly to my bank?
No. In this launch, entries are manual, come through the demo import inbox, or are created with the AI assistant. There is no automatic bank connection.
Who is Moderatio for?
Anyone who wants clear personal finance control — individuals, couples/families, and freelancers.
Will my data be sold to third parties?
No. Moderatio is built with privacy by default and does not sell data for advertising. See our Privacy Policy for full details on how data is handled.
What's already in the product
Use in the beta what Moderatio already does
Workspaces, accounts, transactions, debts, settlements, import inbox, the AI assistant, and the mobile app are already in early access. Join the waitlist to use them now.
Auth & Workspaces✓ In the product
Accounts & Transactions✓ In the product
Debts & Settlements✓ In the product
Import Inbox & AI Assistant✓ In the product
Mobile App✓ In the product
No credit card · Immediate access · Free during beta