| Complete First | |
|---|---|
| Profile | Set up your personal info before using any other tab. |
| Dashboard | Your financial command center. Auto-updates from connected tabs — no manual entry needed here. |
| These Tabs Update Your Dashboard | |
|---|---|
| Budget | Enter your net income (take-home pay) for each source, and all monthly expenses. |
| Credit Score | Enter your credit scores from Equifax, TransUnion, Experian, and/or FICO. Track one, two, three, or all four sources. |
| Expenses | Log everyday spending and receipts. The current month's expenses automatically reflect on your Dashboard. |
| Expenses (Ratios) | Enter monthly expenses with minimum payments. For credit cards, include the credit limit — this activates your credit utilization on the Dashboard. Data does not transfer from other tabs. |
| Gross Income (Ratios) | Enter gross income (before taxes) for all sources. Drives your Debt-to-Income ratio on the Dashboard. Data does not transfer from other tabs. |
| Independent Tools — Do Not Affect Dashboard | |
|---|---|
| Goals | Enter and track financial goals. Update your progress manually as you make strides. |
| Ask MoCo AI | Ask any financial question. Allow 3–6 seconds for a response. All Q&As are saved here. |
| Vision Board | Add images and affirmations for motivation. Your virtual inspiration space. |
| Education | Self-paced financial courses and lessons. Learn on your schedule, at your own pace. |
| Net Worth | Enter assets and liabilities manually. Data from other tabs does not transfer here. Update monthly to track growth. |
| Services | |
|---|---|
| Book a Session | Schedule and pay for a one-on-one financial coaching session directly in the app. |
| Rate Us | Share your feedback to help us make MoCo better. Every review is read by our team. |
Recommended Setup Order
Why We Ask You to Enter Your Numbers Manually
Most financial apps promise convenience by connecting to your accounts automatically. But convenience isn't always the same as clarity.
When you type in a number, you see it. When you see it, you feel it. And when you feel it, you understand your money in a way no algorithm ever can.
Manual entry isn't a workaround — it's the work. It's the moment where financial awareness actually begins. Every dollar you record is a dollar you've consciously acknowledged. That act alone — small as it seems — is what separates people who wonder where their money went from people who know exactly where it's going.
We built it this way on purpose. Because the goal of this app isn't to manage your money and credit for you. It's to make you the most capable, confident manager of your own money and credit. That only happens when you're in the conversation, not just watching from the sidelines.
You don't build financial literacy and confidence by observing your finances. You build it by engaging with them — one intentional entry at a time.