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Wondering If You're Financially On The Right Track ?

Whether you're paying for college, growing your career, building a business, supporting a family, or planning retirement, Mogulbay helps you understand where your finances are headed and what you can do to improve the outcome.

No credit card required
All accounts, one place
5 minutes to set up
Real-time projections
Main Dashboard
Main Dashboard
Spendings
Projections
Mogul AI

Most Finance Apps Show Where You Are. MogulBay Helps You See Where You're Going.

Understanding your current financial position is important. Understanding your financial future is powerful. That is the difference MogulBay is built to deliver.

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MogulBay

  • Tracks your net worth across assets and liabilities
  • Projects your future net worth over time
  • Helps you understand long-term wealth trends
  • Simulates how financial decisions may affect your future
  • Supports smarter planning for financial independence and retirement
  • Uses AI to help explain opportunities, risks, and possible outcomes

Traditional Finance Apps

  • Show today's account balances
  • Track past spending
  • Monitor bank and investment accounts
  • Report current net worth
  • Help organize financial data

A Complete Wealth Tracker for Your Financial Life

Your finances do not live in one place. MogulBay brings your financial picture together in one place, helping you track your net worth and understand your true wealth position without switching between multiple tools.

Bank Accounts

Savings & Checking balances

Investments

Stocks, ETFs & portfolios

Retirement Funds

401k, IRA & pension plans

Properties

Real estate & physical homes

Business Assets

Equity & operational valuation

Loans

Outstanding personal loans

What If You Could See the Financial Outcome Before Making the Decision?

Life's biggest decisions have long-term financial consequences. Why MogulBay helps you understand them before they happen.

The best financial decisions are informed decisions. MogulBay helps you see the bigger picture before you move forward.

Buy a Home

Buy a Home

See how buying a home could affect your long-term net worth, cash flow, and future wealth.

Change Careers

Change Careers

Explore how a new income path may impact your financial projection and savings goals.

Start a Business

Start a Business

Understand potential financial outcomes before taking the leap.

Retire Earlier

Retire Earlier

Use future wealth projections to see whether your finances may support early retirement.

Increase Investments

Increase Investments

See how small investment changes may compound over time.

Support Family Members

Support Family Members

Plan important financial decisions with more clarity and confidence.

How it works?

Build your smart financial dashboard in four simple steps.

STEP 01

Connect accounts

Link your bank accounts securely. You authenticate directly with your bank we never see your passwords. We can never move or touch your money.

STEP 02

See your net worth

Get a complete, real-time picture of everything you own. One number that matters: your actual wealth across all accounts.

STEP 03

Project your future

See where you're headed with powerful projections. Adjust savings rates, return assumptions, and see the impact immediately.

STEP 04

Plan with AI

Explore scenarios with MogulAI. Ask questions about your data, run what-if projections, and see how different choices could shape your financial picture.

Are You Building Toward Financial Independence? See the Numbers More Clearly.

Financial independence is not only about earning more. It is about understanding how your income, expenses, savings rate, assets, and investments work together over time

MogulBay helps you estimate your future wealth, evaluate retirement readiness, and understand whether your current path supports your long-term financial goals

Tracking your spending habits

$38,420 tracked this month

Retirement Funds

401k, IRA & pension — $318,000

$318.0k

Investments

Stocks, ETFs & portfolios — $142,500

$142.5k

Bank Accounts

Savings & Checking — $24,800 balance

$24.8k

Your Financial Future,
Powered by an AI Financial Assistant

Financial planning should not require complicated spreadsheets, manual formulas, or professional-level financial knowledge.

MogulBay's AI financial assistant helps you understand your financial picture, identify possible risks, explore opportunities, and review future outcomes based on your unique situation.

Hand holding mobile
last conversations yet.Hide
??Can I afford to buy a house this year?
??Am I on track to retire at 60?
??Where am I overspending?
??Should I pay off my car loan early?
Net Worth$1,540,000
Assets$400,000
Liabilities$1,140,000
Income$1,000,000
Spend$500,000

MogulBay helps users understand their financial data and projections. It does not replace licensed financial, tax, investment, or legal advice.

Simple, Transparent Pricing

No hidden fees. Choose the tier that matches your wealth-building journey.

Starter

Perfect for getting started with net worth tracking

Free/ Forever free
  • Manual account entry
  • Net worth dashboard
  • Historical tracking
Best Value

Premium

Advanced tools for serious wealth trackers

$9.99/mo

billed annually

3-day free trial — cancel anytime

  • Everything in Pro
  • Unlimited linked accounts
  • Advanced projections
  • Economic forecast modeling
  • Unlimited MogulAI Assistant
  • Priority support

Pro

Everything you need to track and project your wealth

$7.99/mo

billed annually

3-day free trial — cancel anytime

  • Everything in Starter
  • 5 linked bank accounts
  • Full charts & projections
  • Transaction monitoring
  • Subscription & recurring review
  • MogulAI Assistant access

The Questions People Use MogulBay to Answer

The answers may already exist inside your financial data.
MogulBay helps you uncover them, understand them, and use them to make better decisions.

MogulBay consolidates all your physical assets, bank balances, investments, and active liabilities into one automated ledger, giving you a clear, real-time baseline of your true standing.

Our predictive projection engine maps out asset growth, compounding interest, and monthly contribution trends over a ten-year timeline, letting you test different rate-of-return models.

By evaluating your present savings velocity against your desired lifestyle target milestones, MogulBay visualizes whether your active cash allocation matches your future requirements.

Use our decision sandbox to simulate large financial events—such as buying property or starting a business—and watch how it impacts your net worth runway in real-time before committing.

MogulBay automatically calculates your financial safety metrics, combining your active asset drawdown rate with passive projections to pinpoint the exact month you cross into security.

Our dashboard tracks your active target goals, providing live pacing indicators that warn you if macro trends threaten to delay your desired financial independence timeline.

We offer built-in FIRE modeling that takes your current savings rate and expenses to calculate your safe withdrawal rate, identifying your 'FIRE Number' and when you will reach it.

MogulBay models your portfolio's asset allocation over historical risk profiles to help you visualize different market growth trajectories and their eventual impact on your wealth.

Quickly adjust your income parameters in our projection model to see exactly how salary adjustments, bonuses, or alternative cash flows scale your timeline to independence.

We track your weighted-average growth rates across all assets, comparing them against inflation and standard market indices to ensure your wealth is actively scaling.

Our co-pilot AI runs background scenario analyses, highlighting high-interest liability drags or low-performing asset nodes so you can re-allocate capital for peak compounding efficiency.

Timeline Influence

Every financial decision you make today influences where you may be tomorrow.

Your Future Wealth Is
Being Shaped Right Now

Join MogulBay and gain a clearer view of the future you are building.

The Real Question

Will you make those decisions with confidence or uncertainty?