Mooch: Budget & Save Automatic 4+

Budget. Save. Earn Rewards

Knab Inc

    • 4.0 • 86 Ratings
    • Free

iPhone Screenshots


Compared to other budgeting apps, Mooch is Free, Easier, and Better!

With Mooch, you can experience the power of automated budgeting with cash back rewards for successful saving. Our app uses the envelope budgeting system to help you stay on top of your finances, making it easy to see how much you have left to spend or save. Here are 10 reasons why Mooch is the best budgeting app for you:

1) Automated Envelope Budgeting: With Mooch, you don't have to worry about manually budgeting your money. We automatically transfer your money into "envelopes" for safekeeping, making budgeting easier than ever.

2) Safe Money Storage: When your money is in a Mooch Envelope, it's safe from 2AM online shopping sprees. Plus, our app is fee-free with no hidden costs, making it a safer way to store your money. Deposit accounts are FDIC insured up to $250,000.

3) Cash Bonuses: Every month, you'll earn a cash bonus for each envelope you fill successfully. We reward you for successful budgeting, making it easier to stick to your financial goals.

4) Automatic Bill Payment: When your envelope is full, we automatically return the envelope to your bank before your bill is due – so you never miss a payment.

5) No Hidden Fees: With Mooch, there are no fees – not even hidden ones. You can transfer money from envelopes anytime, so you're always in control of your finances.

6) Personal Finance: Our app is designed to make personal finance, money management, and budgeting easier for you. Say goodbye to the days of manually budgeting your money and hello to automated budgeting.

7) Free: Mooch is a free budgeting app that gives you more control over your finances. You don't have to pay a dime to start using our app, and you can start saving money right away.

8) Cashback Rewards: Earn cash back for successful budgeting with envelopes. Our app rewards you for sticking to your financial goals, making it easier to save money.

9) Envelope Transfers: You can transfer money from envelopes anytime, so you're always in control of your finances. Our app makes it easy to move money between envelopes, so you can adjust your budget as needed.

10) Automated Savings: Mooch automatically saves money for you, making it easier to reach your financial goals. Our app is designed to help you save money without having to think about it.

Bonus capabilities:

+ Active Support Chat: With Mooch, you can receive active support via text message or email. Our support team is always ready to help you with any questions or concerns you may have, so you can get the most out of our app and your budgeting experience.

+ Goal Tracking: Set financial goals for yourself and track your progress with Mooch. Whether you're saving for a vacation, a down payment on a house, or just want to build up your emergency fund, our app makes it easy to stay on track.

+ Budgeting Insights: Mooch provides valuable insights into your spending habits, helping you identify areas where you can cut back and save more money. Our app shows you where your money is going each month, so you can make informed decisions about your finances.

+ Customizable Envelopes: Customize your envelopes to suit your individual needs. Whether you want to set aside money for groceries, rent, or entertainment, our app makes it easy to create and manage envelopes that work for you.

Download Mooch today and take the first step towards financial freedom. With our app, you can experience the power of automated budgeting with cash back rewards for successful saving – all without having to lift a finger.

What’s New

Version 4.0.0

Mooch gets better every 2 weeks! For this version we:

- Home screen visual updates
- Minor bug fixes

As always if you run into any issues please text us at 716-325-6125 or email us at

Ratings and Reviews

4.0 out of 5
86 Ratings

86 Ratings

blake2108 ,

Smart Idea with Simple Flaws

First, let me start by saying I believe that this app is a great idea. But I hope it will get to the point where it works flawlessly and allows me to budget the way I want it to, versus the way the app wants me to.

For those who are looking to try the app, it’s very simple. There is a page that holds your “envelopes” which are your bills/expenses. You simply connect an account, create an envelope, set the date and amount due, and it automatically deposits the money into the app and withdrawals for you. By allowing them to hold your money, they give you interest earned in return. So over time, you end up earning (a small amount of extra money depending on how much you save) just to budget.

However, it has very simple flaws that make the experience difficult to make this my exclusive budgeting solution. For example, you are unable to adjust the date of your envelopes. If my phone bill changes from being due on the 15th, to the 10th or 18th, I have to cancel my envelope (lose my earned interest), and recreate the envelope.

There is also the issue of short term savings. They ask that you budget to almost a year in advance for a saving envelope. For small time savings, such as saving up for the holidays or an anniversary, this app doesn’t help at all.

They are making updates every week and I hope that these issues are updated. I suggest checking in on this app in the next few months to see what all has improved.

Developer Response ,

Hello! Thanks for your time to write out such a detailed review, it's really helpful for app improvements. We've added short term savings goals and edit envelope features to our future releases. It should be wrapped up by this winter, feel free to check in anytime :)

Choochootrain6886 ,

Helpful but could improve!

This app is extremely helpful since you are incentivized to not take the money out early. A few things i would love to see that would improve the app in my opinion:
1. Allowing users to start an envelope with money. I have already saved some money towards certain goals of mine outside of the mooch app and would prefer to be able to transfer that into the mooch envelope to decrease my amount per paycheck and have a more accurate balance.
2. Changing envelope dates. Goals can shift over time and it’s sad to potentially lose all interest because you need the money a week early.

Developer Response ,

Thanks so much for the thoughtful feedback! Making envelopes more flexible is a big thing we're pushing towards. We are working on 1. allowing you to manually deposit money into envelopes 2. change envelope dates and also manual withdrawals in situations where you might need it. These should be available via app update in the coming months, thank you for being patient :)

Name dog ,


I love using the app as it takes money out the first day of getting paid. I am able to take my bills and set them aside so I don’t touch that money.
My money has always arrived in my account before I need to spend it.
Bonus money is a little delayed but ends up showing eventually. Small downsizes but nothing to much to stop using. I am able to put money away and plan far ahead starting now.

Developer Response ,

Thanks so much! Glad it's helping you with your budgeting so far, for bonus we are working on making the rewards experience better this year :)

App Privacy

The developer, Knab Inc, 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
  • Identifiers
  • Usage Data
  • Diagnostics

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

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