You've spent $84 on delivery this week. That's 4 DoorDashes. Your grocery budget still has $140 in it.
Mochi
Mochi links your accounts, sorts every transaction, and then reads your actual tax forms and statements — and tells you what they mean.
You've spent $84 on delivery this week. That's 4 DoorDashes. Your grocery budget still has $140 in it.
That crypto sale in March was short term, so it's taxed as income. Nothing was withheld — put about $180 aside before April.
You're up $437 this month across every linked account. 60% of your income is still yours — keep it that way.
Real sentences Mochi writes from your own numbers. Never a template.
01 — Connect
Connect your banks and cards through Plaid's secure token exchange. From then on Mochi syncs in the background, sorts each transaction into a category, and picks out the charges that quietly repeat every month.
02 — Plan
Set a monthly limit per category and watch it fill in real time. Mochi warns you as a category gets close instead of after you've blown past it, and rolls your accounts into one net-worth number that moves with you.
03 — Remember
Most apps show you a snapshot. Mochi keeps the whole record — every expense normalised, organised per bank account, and retained in full. Budgets, insights, and every AI answer read from that one source of truth, so the numbers agree with each other.
One shape for every transaction, from every institution — kept in full, not sampled.
The part no one else does
A transaction feed knows you spent $84 on delivery. It has no idea you sold crypto in March, that your 1099-DIV shows qualified dividends, or what your last return says about your withholding. Upload the documents, and Mochi does.
What it means: this is short-term, so it's taxed as ordinary income. Nothing was withheld — put about $180 aside now and April stops being a surprise.
Four steps, in this order
Sign up with MFA and connect your banks and cards through Plaid. Your credentials go to your bank, never to us.
Mochi pulls your history, normalises every expense, and files it by account. That record is kept in full, not sampled.
Drop in your 1099s, returns, and statements as PDFs or photos. Mochi recognises the form and pulls the figures out.
Budgets, goals, net worth, and plain-language guidance — written against your whole picture, not just last month's card spend.
Link your accounts, upload your documents, and let Mochi tell you the truth about your money — in a sentence you'd actually repeat to a friend.
Mochi's analysis is informational and educational. It helps you understand your finances and prepare for tax season — it is not a substitute for advice from a licensed tax professional or financial advisor. Mochi reads and analyses your financial data; it does not move money.