The whole family, one place
Track expenses and income for everyone at home. Invite family with a link; mark any entry “Only me” to keep it private.
Family expense tracker · Android
Moray tracks spending, income, bills, loans and goals for the whole family. Moray AI reads your bank SMS and statements, so you type less and see more.
No bank login needed. Your data is never sold. Version 1.6.1 for Android.
- 1.6.1Android app version
- 9App languages
- 1 plancovers the whole family
- ₹0to start on Free
What Moray does
Bank SMS & statements
Turn on bank SMS reading or pick a statement PDF, and Moray AI turns them into entries for you to check. OTPs never leave your phone.
Receipt scan
Snap a receipt: Moray reads it on your phone, with an optional AI read for tricky ones.
Bills & subscriptions
Upcoming bills and subscriptions with reminders before they are due.
Loans & EMIs
EMI schedules with reminders, and EMI payments matched to the loan automatically.
Banks & loans overview
Balances, cards and what you owe, at a glance, without sharing any bank password.
Budgets & spending limits
Monthly budgets and limits that warn you before you overspend.
Goals & Wealth Path
Savings goals and a step-by-step Wealth Path to build your family's wealth.
Reports & audits
Monthly reports and family audits. Share them as a PDF or on WhatsApp.
Your language, your look
English, हिन्दी, தமிழ், తెలుగు, ಕನ್ನಡ, മലയാളം, Français, Español and Português. Themes including Green, plus font and text size.
Works offline
Add entries without a connection; Moray syncs when you are back online.
Private by design
App lock with MPIN or fingerprint, “Only me” entries, and no bank login ever.
Plans
One plan covers the whole family. Prices are charged through Google Play, which shows the final price before you pay. Manage or cancel any time in Google Play.
Free
₹0
- Family sharing and “Only me” privacy
- Up to 3 bank and card accounts
- 50 AI credits a month
- Watch a short ad for 4 more credits
PlusPopular
₹149 / month
or ₹999 a year, with a 7-day free trial
- Up to 15 bank and card accounts
- 300 AI credits a month
- No ads
Pro
₹299 / month
or ₹1,999 a year, with a 7-day free trial
- Unlimited bank and card accounts
- 2,000 AI credits a month
- Full Wealth Path
- No ads
| Per family | Free | Plus | Pro |
|---|---|---|---|
| Monthly price | ₹0 | ₹149 | ₹299 |
| Yearly price | — | ₹999 | ₹1,999 |
| Free trial | — | 7 days | 7 days |
| Bank and card accounts | Up to 3 | Up to 15 | Unlimited |
| AI credits a month | 50 | 300 | 2,000 |
| Ads | Optional rewarded ad: 4 credits, up to 5 a day | No ads | No ads |
AI credit packs
- 150 credits ₹49
- 750 credits ₹199
- 2,500 credits ₹499
Need more AI credits? Packs of 150 for ₹49, 750 for ₹199 or 2,500 for ₹499, valid for 12 months. On the Free plan you can also watch a short ad for 4 credits, up to 5 times a day (credits from ads last 30 days). Yearly trials are for eligible first-time subscribers; cancel before the trial ends to avoid a charge. Plan terms.
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
Stored in India, visible only to your family as you choose, never sold. Ads appear only on the Free plan, are not personalised, and never show on child profiles.
AI with masks on
Moray AI is optional. Account numbers and phone numbers are masked before anything is sent, and no member names are shared.
Privacy policy · Terms of use ·Help & support · Delete your account ·admin@vlightsoft.com
Clarity in every system.
Explore all Vlightsoft products
See SUKAI for an organised home, Moray for family finances and Passkey-X for your private digital vault.