MORAY by VlightsoftYour family's money, in one calm place.
Moray tracks spending, income, bills, loans and goals for the whole family. It can pick up payments from your bank messages on your phone, so you type less and see more.
No bank login needed. No ads. Your data is never sold.
What Moray does
Built for families
Invite your partner and family. Every entry has its own privacy setting, from “Only me” to full details.
Auto-capture from bank messages
Optional. Bank SMS and payment notifications are read on your phone; OTPs and personal messages are skipped and never uploaded.
Bank and card accounts
Matched by the last 3–4 digits in your messages. Balances, card bills, due dates and utilisation, without sharing any bank password.
Auto-categorised
Payments are sorted into categories and payees for you. You review and confirm; nothing is saved without you.
Reports and monthly audit
Monthly and yearly reports, categories, payees, members, income and card statements. Share as PDF, image, text or CSV.
Bills, loans and goals
Reminders for bills and EMIs, budgets and spending limits, savings goals, subscriptions and shared events.
Optional AI
Daily brief, insights and help reading hard messages. Private details are masked before anything is sent.
Your language, day or night
English, हिन्दी, தமிழ், తెలుగు, ಕನ್ನಡ, മലയാളം, Español, Français and Português. Light and dark themes.
Plans
One plan covers the whole family. Billing is handled by Google Play; Google Play shows the final price in your currency before you pay.
Free
- Family sharing and privacy
- Up to 3 bank and card accounts
- 25 AI credits a month
Plus Popular
or ₹799 a year, with a 7-day free trial
- Up to 15 accounts
- 150 AI credits a month
- Account insights
Pro
or ₹1,599 a year, with a 7-day free trial
- Unlimited accounts
- 1,000 AI credits a month
- Account insights
Extra AI credits: 100 for ₹49, 500 for ₹199, 1,500 for ₹499 (valid 12 months). Invite a friend: when they sign up with your code, you both get 30 credits.
Privacy, plainly
We never ask for
Bank or net-banking passwords, full card numbers, CVV or UPI PIN. Anyone asking for these in Moray's name is not us.
Your data stays yours
No ads, no data brokers, no tracking across apps. Export your entries or delete your account from the app at any time.
Read the details
Questions? Write to admin@vlightsoft.com.