Wallets, not one big pile
Pocket cash, bank accounts, cards, savings and bKash or Nagad each keep their own balance, opening amount and currency. The total is the sum of real places, so it matches what you can actually spend.
Built for Bangladesh, works anywhere
Know exactly
Know exactly
where your
money went.
MoneyBag keeps every wallet, entry, budget, loan and report in one place, and is quick enough on a phone that you actually keep using it. Sign up with an email code and start in a minute.
- No password needed to start
- Nothing to install
- Your data kept private and secure
Total balance
৳80,690.00
Across 4 wallets · BDT
Income
৳55,000
Spent
৳41,320
Budgets to watch
Eating out
87%
Transport
62%
Bills
104%
Bazar
Food & groceries · Cash
−৳1,200
CNG to work
Transport · bKash
−৳180
Salary
Income · City Bank
+৳55,000
Everything in one place
A whole money app, not a list of expenses
Most trackers stop at "you spent this much". MoneyBag follows the money the way you actually hold it: in wallets, against budgets, across loans, and out the other side as a report you can read.
Entries that take seconds
Amount, wallet, category, done. Transfers move money between wallets without counting as income or spending, and "repeat last entry" copies yesterday's bus fare in one tap.
Budgets that speak up early
A cap per category, an overall monthly cap, and an income target. Set one once and it repeats every month, or override a single month. At 80% and again at 100% you get told, on screen and by email.
Reports that answer questions
Where the month went, by category and by payee, the six-month trend, your biggest expenses, and a fair comparison with last month over the same number of days.
Loans you can actually follow
Money lent or borrowed, split into instalments, equal or amounts you choose, with optional interest. Every repayment moves the right wallet, and reminders arrive before a date passes.
Rent and salary post themselves
Repeating rules for anything on a schedule. Miss a few days offline and the catch-up queue shows what is due, waiting for your confirmation rather than guessing.
Share a wallet without sharing your books
Invite someone by email. They accept, and then they decide: count it as their money too, or just help manage it while their own totals stay untouched.
More than one currency, honestly
Wallets can hold any supported currency and fold into your main one at rates you set yourself. No rate set? The app says so instead of inventing a number.
How it works
Three steps, and the first one is an email
-
01
Sign up with an email
Your name and your address. A six-digit code arrives, you type it back, and the account is yours. No password to invent, no form to survive.
-
02
Add where your money sits
One wallet for cash, one for the bank, one for bKash. Put in what each holds today and the maths starts from the truth.
-
03
Record as you go, or just say it
Add an entry in seconds, or tell the assistant "aaj bazar e 1200 gelo" and let it file the entry in the right category and wallet.
Photo, phone number, currency and a password are offered afterwards, and every one of them is optional.
Budgets
Told at 80%, not after the money is gone
Give a category a cap and it repeats every month by itself. Eid month is heavier? Override that one month and leave the rest alone. An overall cap watches the whole month, and an income target keeps the other half of the picture honest.
- A warning on screen and by email as you cross 80%, and again at 100%
- Each alert is sent once per budget per month, never on a loop
- Loans and transfers stay out of it, because neither is spending
Budget alert
Eating out is 87% used with 12 days to go.
৳4,350 of ৳5,000 spent. At this pace the month closes about ৳2,100 over. The email says the same, so you see it even when the app is shut.
Lent to Rahim bhai
৳20,000 · 4 instalments · 5% interest
1st instalment
৳5,250
2nd instalment
৳5,250
3rd instalment
৳5,250
4th instalment
৳5,250
৳10,500 back so far · next one due in 6 days
Loans
Lending is not spending, so it is not counted as spending
When you lend money the wallet drops but nothing lands in your expenses, and when it comes back it is not income. Split a loan into instalments, equal or amounts you set, add interest if there is any, and record each repayment against the wallet it really moved.
- Both directions: what you lent, and what you owe
- A reminder before a due date, not after it
- Net worth counts what is still open, on both sides
The assistant
Tell it what you spent. In Bangla, if you like.
A chat that can read your wallets, entries, budgets, loans and reports, and answer like an accountant who has actually looked. Say "aaj bazar e 1200 taka gelo" and it files the entry in the right category and wallet, then tells you what it did.
- Switch it off entirely and nothing about your money is sent to it
- A second switch decides whether it may change anything, or only look
- It answers from your real figures, and says so when a number is missing
aaj bazar e 1200 taka gelo, cash theke
Likhe felechi: 1,200 BDT Food & groceries-e,
Cash theke. Ei mashe oi category-te ekhon 7,200 BDT,
budget-er 72%.
added transaction
Your money, or theirs?
Count it as mine
A joint wallet. Its balance adds to your total and net worth.
Just managing it
You can see and work with it, but your own numbers never move for it.
Sharing
An invitation, never a handover
Share a wallet or a loan with someone by email. Until they accept, nothing of yours appears on their side. Once they do, they choose whether it belongs in their totals or is simply something they help manage. Either way, the entries you record stay in your own books.
Your data stays yours
Kept on our servers and locked to your account. Another person sees a wallet or a loan of yours only after you invite them and they accept. Nothing is sold, and nothing is shared with anyone else.
Sign in the way you like
An emailed six-digit code, a password if you set one, or Google. Sign-in attempts are throttled and every code expires.
Email only when it helps
A sign-in code, a budget alert, a loan reminder, a monthly summary, a share invitation. Each of them can be switched off.
How that is kept true
- Passwords stored hashed, never in plain text and never emailed
- Sign-in codes and reset links stored hashed, single use, and expiring
- Failed sign-ins throttled, so an address cannot be guessed at
- Every form carries a token, so nothing can be submitted from elsewhere
- Stay-signed-in tokens are revocable, one tap ends every other session
- Every query is scoped to your account before a figure is shown
Questions
The things worth knowing first
Do I need to install anything?
No. It runs in the browser and is built mobile-first, so on a phone it behaves like an app. Add it to your home screen if you want it one tap away.
Is a password required?
No. Signing in with a six-digit emailed code is the normal path. Add a password later if you prefer typing one, or use Google. All three work on the same account.
Is my data safe?
It sits on our servers, tied to your account, and every screen checks that it is yours before showing a figure. Passwords are stored hashed, sign-in codes and reset links are stored hashed too and expire on their own, failed sign-ins are throttled, and every form is protected against being submitted from somewhere else. Nothing is sold, and nothing is shared with anyone you did not invite.
Does the assistant see everything?
Only when you switch it on, and only your own data through the same permission checks the screens use. There is a second switch for whether it may change anything; with it off the assistant can look but not touch. Off entirely, nothing about your money is sent to it at all.
Can two people use one wallet?
Yes. Share it by email as a viewer or an editor. Nothing appears on their side until they accept, and even then its balance stays out of their totals unless they choose to count it.
What about money I lent to a friend?
That is a loan, not an expense, and the app treats it that way: the wallet drops, but your spending and budgets do not move. Track repayments, add instalments and interest if there are any, and get a reminder before it is due.
Start with today's spending
One entry is enough to begin. Put in what your wallets hold, add what you spent today, and by the end of the month you will have a report you did not have to build.
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