Closed beta · new spots released weekly

Personal financial management with clarity and control.

Moderatio brings accounts, transactions, debts, and goals together in a clear experience for organizing today and making stronger long-term financial decisions.

Join the beta waitlistI already have access →

No credit card required. No commitment. Invites released in signup order.

No credit cardFree cancellationPrivate data
7 min
To set up your first account
3 min
To log your first transaction
24/7
Web access to your financial dashboard
Free
During the closed beta
Who Moderatio is for

Built for people who want
control without the clutter

01

People moving off spreadsheets who want a clear monthly view

02

Couples and families sharing finances without chaos

03

Freelancers mixing personal and business money

Core capabilities

Everything you need to
master your finances

Essential tools to turn financial data into practical daily decisions.

360° financial view

All your accounts, investments, and debts in one panel. No spreadsheets, no confusion.

Multi-account, multi-currency

Manage checking, savings, and credit cards with support for different currencies.

Smart categories

Classify income and expenses with customizable categories. Know where every dollar goes.

Debt tracking

Track loans and installments. See outstanding balances and payoff progress in real time.

Shared workspaces

Manage finances as a couple or family. Each person with the right level of access.

Alerts and goals

Set savings goals and get alerts when you're approaching spending limits.

Product commitments

A foundation for a
trustworthy, professional experience

Privacy by default

Financial data handled with security in mind — no selling data for advertising.

Product transparency

See what's available today, what's evolving, and what's on the roadmap.

Clarity-first decisions

A focused interface for cash flow, commitments, and monthly priorities.

"Moderatio isn't just a finance app. It's a shift in perspective — from chaos to clarity, from impulse to awareness, from month-to-month to the long term."
— The philosophy behind the product
01
Clarity above all
Clean dashboards. Honest numbers. No confusing charts or metrics nobody understands.
02
Real control
You decide how to categorize, what to track, and which goals to pursue. It's your money.
03
Privacy first
Your financial data is yours. No data selling, no targeted ads.
Frequently asked questions

What you need to
join the beta with confidence

How much does the beta cost?

Nothing. Early beta access is free while we validate the experience with our first users.

Do I need a credit card to sign up?

No. Joining the beta waitlist does not require a credit card.

Who is Moderatio for?

Anyone who wants clear personal finance control — individuals, couples/families, and freelancers.

Will my data be sold to third parties?

No. Moderatio is built with privacy by default and does not sell data for advertising. See our Privacy Policy for full details on how data is handled.

Roadmap in progress

Continuous delivery focused on what matters

Moderatio is in active development with continuous releases. By joining early access, you can follow product evolution firsthand and help shape the next improvements.

Auth & Workspaces✓ Done
Accounts & Transactions✓ Done
Debts & CategoriesIn progress
Reports & DashboardsPlanned
Mobile AppIn progress
Join the beta waitlist

No credit card · Immediate access · Free during beta