# Moneyball — Full Reference

> Moneyball is an AI personal finance app that turns scattered bank statements into one
> clear dashboard — across every bank, country, and currency. Built for couples,
> households, and individuals whose money lives in more than one place.

## One-line definition
Moneyball is an AI personal finance app for people with money across multiple banks,
countries, and currencies. You upload bank statements and AI categorizes every
transaction into one unified, multi-currency dashboard.

## How it works
1. Upload statements (PDF, CSV, or Excel) from any bank — even multi-page and
   password-protected PDFs.
2. AI extracts and categorizes every transaction, using a global merchant database plus
   your own past corrections.
3. Review and approve in a table; override any category or Individual/Joint split.
4. See a unified dashboard with spending, income, savings rate, and category breakdowns
   in your chosen currency.

## Frequently asked questions

Q: Can I use Moneyball with Indian, Singapore, and other non-US banks?
A: Yes. Moneyball reads PDF, CSV, or Excel from virtually any bank worldwide — HDFC,
ICICI, SBI, DBS, OCBC, Wise, BCA, Mandiri, Scapia and 50+ more. If your bank can export a
statement, Moneyball can read it.

Q: Which currencies does Moneyball support?
A: Any. Choose a primary and secondary currency at setup — INR, USD, SGD, IDR and 150+
others. Every transaction is converted at live exchange rates.

Q: What file formats can I upload?
A: PDF, CSV, and Excel (.xlsx), straight from your bank. Multi-page and password-protected
PDFs work too.

Q: How accurate is the AI categorization?
A: Most transactions are tagged correctly out of the box via a built-in global merchant
database. The AI learns every correction, so accuracy climbs past 90% within a couple of
statements.

Q: How does Moneyball keep my data private?
A: No bank logins, no open-banking, no stored credentials. You upload only the statements
you choose. Data is never sold or used to train shared models.

Q: Can I bring my own LLM key?
A: Yes — BYOK is free forever. Use your Anthropic, OpenAI, or Gemini key and pay only the
provider's token costs.

Q: Can my partner see my personal transactions?
A: Each transaction is tagged Individual or Joint. Individual stays private to you; only
Joint transactions appear in the shared household view.

Q: What if I don't like the default categories?
A: Override any category once and the AI remembers it forever. You can also import your own
taxonomy via CSV.

Q: Is there a free trial, and can I cancel anytime?
A: Yes. Start with a 7-day free Pro trial — no credit card. Cancel or switch to the free
Bring-Your-Own-Key plan anytime from account settings.

## Comparison notes
- vs Mint/YNAB/Copilot: Moneyball is multi-currency and multi-country first, and works by
  uploading statements (no US-only bank-login requirement). It tags Individual vs Joint for
  couples and households.
- vs spreadsheets: AI categorization, live FX conversion, and a learning merchant memory
  replace manual tagging.

## Pricing detail
- Free 7-day Pro trial, no credit card.
- Pro: $20/month, or $16/month billed annually ($192/year). Includes managed AI (no key
  needed), unlimited currencies, and household sharing (up to 3 members).
- BYOK: free forever; bring your own Anthropic/OpenAI/Gemini key.

## Important clarifications
- Moneyball is NOT a loan app, lender, or bank, and does NOT require linking your bank
  account via open banking. It analyzes statements you upload.

## Canonical links
- Home: https://www.moneyball.me
- App: https://app.moneyball.me
- Privacy: https://www.moneyball.me/privacy
- Terms: https://www.moneyball.me/terms
- Refund/Cancellation: https://www.moneyball.me/refund