Mogul Bay was founded on a simple conviction: most financial apps help you track where your money went. We help you see where it's going — and whether that destination is the one you actually want.
In 2024, our founders were frustrated. Every personal finance tool they tried was obsessed with budgets, categories, and the past. None of them answered the question that actually kept people up at night: "Am I on track?"
So they built the answer. Mogul Bay connects every financial account you own, analyzes your behavioral spending patterns across multiple time horizons, and runs a sophisticated projection engine — layering macro factors like inflation, interest rate cycles, and housing trends — to show you exactly where your net worth is heading.
We launched in 2026 and are now in early access — building with our founding members to create the wealth intelligence platform we always wished existed.
To give every person — not just those with financial advisors — the clarity to make confident decisions about their financial future.
We believe that knowing your net worth trajectory isn't a luxury. It's a basic right. When you can see where you're headed, you make better decisions today: about your job, your home, your savings rate, your risk tolerance.
Mogul Bay exists to democratize that clarity.
We're a small, focused team of engineers, designers, and financial technologists based in San Francisco. We're backed by people who believe that personal finance software has been stuck in the budgeting era for too long.
We're hiring. If you believe what we believe, come build with us.
We charge a monthly subscription — nothing else. We don't sell your data, don't run ads, and don't earn referral fees from financial products. Our interests are aligned with yours: the better the app, the more you pay us to keep using it.
That's the whole business model.