yo-mo
Money tracking, minus the data entry

Track less. Know more.

Yes — it's another money-tracking app. The difference: this one does the boring parts for you, then tells you what to do about the result.

Free to start · Your data stays yours · Any currency

Less spreadsheet. More clarity.

Yo-Mo handles the capturing, the categorising and the maths — so the only thing left for you is the decision.

Capture

Log an expense in three seconds, from anywhere

Snap a receipt, forward it to the Telegram bot, or just type a line like “12.50 coffee”. It lands in your inbox the moment you hit send — no forms, no friction, nothing to open.

  • Photograph any paper receipt
  • Capture from Telegram, on the go
  • One-line shorthand for quick entries
Classify

AI reads the receipt and files it for you

Every capture is read for you — merchant, amount, even the individual line items — and tagged with the category it belongs to. Skim a tidy inbox and confirm with one tap, or let it file everything automatically as it arrives.

  • Receipts split into itemised lines
  • Smart category suggestions
  • Optional auto-classify on arrival
Understand

Dashboards that explain where it went

Spending by category, cumulative wealth versus expenses over time, and exactly where you stand this month. Always current, because the data files itself the moment it lands.

  • Live spending by category
  • Wealth and expense trend over time
  • Net position, updated as you go
Make it yours

Build the exact view you want to watch

Pin your own dashboard tabs alongside the defaults. Describe what you want to see in plain language and keep it a single click away.

  • Add unlimited custom tabs
  • Describe it in plain language

And the rest of the toolkit

Recurring transactions

Salaries and subscriptions log themselves, right on schedule.

Split line items

Divide a single receipt across as many categories as it needs.

Multi-currency

Euro, dollar, pound, yen, franc — track in whatever you spend.

Multiple languages

English and Українська today, with more on the way.

Colour-coded categories

Roll your own, with colours that read at a glance.

Private by design

Self-hosted and yours — your receipts never leave your server.

From receipt to insight in three steps

01

Capture, seamlessly

Snap a receipt, message the Telegram bot, or tap once in the app. No forms, no friction — just get the transaction in.

02

AI categorises

Coffee, rent, salary, the weird charge from last Tuesday — each item is filed automatically, so your inbox stays empty.

03

Analytics & advice

See where it's going at a glance. Ask the assistant about your spending and get real answers grounded in your own data.

Ready when you are.

Free to start. Bring your own receipts.