Many people who use MoodWallet say they start saving around 10% more once they build the habit. Not through strict budgets, but through awareness, reflection, and a system designed around how people actually behave.
Money is the number one source of financial stress in the U.S. MoodWallet uses behavioral psychology to help you feel calmer and more in control while keeping more of your money. Just one minute a day can shift how you think about spending.
MoodWallet doesn’t guilt you into budgeting. It helps you make better choices naturally.
Why MoodWallet Works
People often discover meaningful savings once they use MoodWallet consistently. Small mindset shifts add up, helping you keep more of what you earn without relying on willpower. Our daily check-ins take about 60 seconds and help you stay clear, intentional, and stress-free.
MoodWallet is built on behavioral psychology, not shame or rigid rules. You get flexible guardrails and values-based categories instead of restrictive budgets.
Core Features
Daily Sessions: A guided one-minute routine to review recent expenses, reflect on what mattered, and understand your spending patterns.
Expense Tracking: Connect your accounts securely and see all your spending automatically organized by category, merchant, and date.
Values-Based Spending: Align purchases with what matters most to you through flexible categories that fit real life.
Savings Goals: Set goals and receive gentle nudges that help you save more steadily over time.
Weekly and Monthly Insights: Clear summaries and breakdowns that replace spreadsheets and budgeting overwhelm.
Gentle Reminders: Supportive notifications that help you stay consistent without nagging.
Designed for Financial Wellness
MoodWallet helps reduce money anxiety by giving you clarity instead of guilt. A few minutes each week creates healthier habits, smarter decisions, and a more confident relationship with your money.
Why Users Choose MoodWallet
It’s easier than budgeting.
It fits real life and adapts to your habits.
Many people report saving around 10% more once they build the routine.
You get more control with almost no friction.
Trusted and Loved
4.8-star average in the App Store.
Privacy-first design with secure, read-only connections.
No complex setup and no spreadsheets required.
Start Your Money Habit Today
Download MoodWallet free and experience a calmer, clearer way to manage your finances.
Save more, stress less, and feel better about your money—one minute at a time.
Values over the standard categories have changed the way I spend and think
delucalexandra
This app has helped me tremendously. I’ve tried all the budgeting apps and while I’m not bad with money, my mindset is. I’ve been using Allo for 5 months now and my mindset has changed drastically. I’ve struggled with buyers remorse for years over the most trivial of things. Bottle of water when I’m out on a hot day- buyers remorse. Paying the water bill- buyers remorse. It wasn’t even making sense anymore. Allo has helped me understand I can spend the money I make and I don’t need to feel bad. The categories being connected to values has opened my eyes to how I’m spending. It’s been a freeing experience!
Surprisingly grounding!
SarahTay1or
I tend to be avoidant in considering (or rather, not considering!) my spending habits, out of a fear that I might feel badly if I look too closely. To my surprise, using Allo has had the opposite result! Instead of guilt/shame around money and spending, I have become aware of how much of my spending is actually congruent with what I value and the life I want to live. When certain spending items feel "off" or out-of-sync with my values, I can make small tweaks that feel doable and good, instead of impossible and overwhelming. I am so grateful that the Allo team is helping facilitate this new approach to relating to one's financial health!
A mindful, life-changing money tool 🌱
Kyam30
MoodWallet has been such a grounding and supportive companion for me. Living with neurological Lyme, a brain injury, and Bartonella has forced me to rebuild how I plan, think, and even relate to money. This app helped me step out of old patterns of fear, scarcity, and guilt and into a calmer, more trusting relationship with my finances.It feels like more than a money management app—it’s a tool for nervous system regulation and emotional clarity around spending and saving. I can feel the care and intention behind its design, and it’s been a game-changer for creating stability and flow in my life.
Game Changer
Acharicew
This app has been such a game changer for me in reconditioning my mindset about money. Most app focus on the numbers or creating rigid budgets but this app delves into your psychology of money and helps you identify your values as one of the money methods for spending money. I love how you can rate your spending based on how you felt with different emoji’s and the reflections. Money is more than numbers, it’s your relationship to money and this app helps you navigate your relationship with money and a non-judgmental way.
Allo is now called MoodWallet! We've rebranded and added many new features, including enhanced mini-courses, improved daily reviews, and more comprehensive behavioral psychology tools to help you build an even healthier relationship with money.
Version 2.12.3
The developer, Jomo Labs, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
User Content
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
