MoneyUp

The problem

Most people track money in five places at once: a banking app that is weeks behind, a notes app with "coffee 4.20", screenshots that are never opened again, a spreadsheet abandoned in March, and memory. None of it adds up to a number, and as soon as a partner or a family shares the same money, it gets worse.

Existing trackers make you choose. Fast phone trackers keep everything on one device and fall apart when you want a proper review on a laptop. Banking aggregators are slow to capture cash and shared spending. Spreadsheets are flexible but nobody keeps them up to date.

The product

MoneyUp is a personal-first finance manager with the speed of a phone expense tracker and the trust of a proper multi-device system.

• Capture in seconds. Pick a category, type the amount, done. Recent categories come first, a home-screen widget shows today's spend, and entries save offline and sync later.
• See where it all goes. Monthly stats by category, income and expenses side by side, search and filters. Transfers between your own accounts never count as spending.
• Every account, any currency. Cash, cards and savings in one view, each in its own currency, with reports converted to your base currency using daily ECB and National Bank of Ukraine rates.
• Plan ahead. Recurring transactions, savings goals funded from a real account with a projected finish date, and subscriptions with their monthly and yearly cost.
• Share it properly. A household workspace with Owner, Partner and Contributor roles, so everyone sees the same month — as much of it as their role allows.
• Private by design. PIN or fingerprint lock, data export at any time, and account deletion from inside the app.

How I built it

I designed and built MoneyUp end to end: product definition, UX, the visual language, and the engineering of every client and the backend, using an AI-augmented workflow to move at the pace of a small team.

Architecture. A pnpm and Turborepo monorepo with five apps and shared packages:

• API — NestJS on Fastify with Prisma and PostgreSQL. It is the single source of truth for authentication, permissions and data; every record is scoped to a workspace.
• Mobile — Expo Router on React Native, built for fast capture, with a local SQLite queue so entries are never lost offline.
• Web — a Next.js app for reviewing, editing and reporting on a proper screen.
• Worker — BullMQ jobs on Redis for recurring rules, imports and exchange rates.
• Admin — a separate internal console for operations.
• Shared domain and SDK packages keep finance rules (transfers, multi-currency, recurring entries) and API contracts identical on every client.

Design system. I built Rabbits, MoneyUp's design system: eight colour themes in light and dark, spacing, radius, elevation, motion and type scales, generated as tokens for both React Native and CSS, with automated WCAG contrast tests for every palette.

Details that matter in finance. Multi-currency is a first-class rule rather than an add-on; transfers are neutral in every report; sync is append-only and auditable; the app lock is a privacy layer on top of server authentication, not a replacement for it. Existing users of Money Manager can import their XLSX history, and every workspace can be exported as versioned JSON.

Business model

Billing runs through RevenueCat, with Google Play on Android and Paddle on the web.

Status

The web app is in beta at app.moneyup.me, and the Android app is in testing on Google Play. iPhone follows after the Android launch. More at moneyup.me.