Welcome to My$ (My-Mny.com)

Ever look at your bank account balance and think, “Can I actually afford this right now?” Standard bank apps show you what you have today, but they completely forget about the bills you have due tomorrow. That’s where MY$ steps in.

With just a subtle touch of a button, MY$ instantly calculates your True Available Money. By securely looking at your regular income patterns and upcoming bills, the app does the messy math for you in the background, updating a few times a day.

Now, you can instantly see exactly what you have left over for:

  • That extra morning coffee ☕
  • A spontaneous night out with friends 🍕
  • That unexpected weekend trip! 🚗

Smart Features, Zero Effort

  • No Manual Tracking: No spreadsheets, no typing in expenses, and no chores. The app syncs your cash flow patterns automatically so you don’t have to think.
  • Bonus Tip Calculator: Out at dinner? Use our super-quick built-in tip calculator to split the bill and figure out your share in seconds.

🔒 Your “Deets” Stay Secret

We believe your financial business is your business. MY$ keeps you entirely in the know while keeping your personal details completely locked down:

  • Read-Only Security: We partner with Plaid to link your accounts. We can only see the numbers to do the math—it is physically impossible for the app to move, touch, or withdraw a single penny.
  • Bank-Level Privacy: We never see your bank passwords, and we never sell your financial data to third parties.

Know your true numbers. Protect your privacy. Enjoy those spontaneous moments stress-free with MY$.Under the Hood: How MY$ Works

Ever wonder how MY$ calculates your exact available cash without you having to lift a finger? It’s not magic—it’s just incredibly smart math powered by industry-leading security.

Here is exactly what happens behind the scenes:

1. The Secure Handshake

To track your cash flow, MY$ needs to see your income and spending. But we don’t ask for your bank passwords, and we never see them. Instead, we use Plaid—the same secure network trusted by apps like Venmo and Acuity to safely connect to over 11,000 financial institutions. Think of Plaid as a secure, one-way digital bridge. You log in directly through your bank, and Plaid verifies the connection.

2. Spotting Your Income Patterns

Once connected, MY$ securely scans your historical bank deposits from the last few months. Our system looks for recurring patterns—like a weekly direct deposit from your job, a bi-weekly paycheck, or regular freelance payouts. By recognizing the regular timing and baseline amounts of your income, the app maps out your expected pay cycle completely automatically.

3. Factoring in Your Regular Bills

Next, the app instantly flags your predictable, recurring expenses—like rent, utilities, streaming subscriptions, and car payments. Because MY$ knows when these bills usually hit and when your next deposit is coming, it plots them into a smart, rolling timeline.

4. Calculating Your True “Available Money”

This is where the real magic happens. Instead of just showing your current bank balance (which doesn’t know you have bills coming up tomorrow!), MY$ subtracts your upcoming predictable bills from your current balance and factors in your next expected paycheck.

It updates this math a few times a day in the background. The result? When you open the app, you get a single, stress-free number showing exactly how much money you can safely spend right now without throwing off your future.

My$ Pricing Tiers

Free — Forever free, no card ever

For: Anyone who wants to take back control, starting today.

You tell My$ your numbers — paycheck, bills, bank balance — and it tells you exactly what you have left to spend. Simple math, beautifully done.

What’s included:

  • Your “Available Now” number, always front and center
  • Safety buffer so you’re never caught short
  • Manual balance, income, and expense entry
  • Payday schedule tracker
  • Tip calculator
  • Works on any phone, installs like an app

My$ Starter — Your money, on autopilot -$3.99

For: People who are tired of typing numbers and just want the truth.

Connect your bank once. My$ reads your balance automatically, spots your regular bills, and keeps your Available Now number accurate without you lifting a finger.

Everything in Free, plus:

  • Connect 1 bank or credit union via secure bank link
  • Balance updates automatically — no more manual entry
  • Bills and subscriptions detected from your history
  • Monthly income and expense projections filled in for you
  • No ads

My$ Plus — Know where every dollar is going – $6.99

For: People who want a full picture, not just a number.

Beyond the Available Now screen, My$ Plus gives you savings goals, spending buckets, and a breakdown of where your money actually went — week by week.

Everything in Starter, plus:

  • Connect up to 3 accounts (checking, savings, card)
  • Savings goals — set a target, watch it fill up
  • Budget buckets — divvy your money before you spend it
  • Spending categories — groceries, dining, subscriptions at a glance
  • Weekly spending summary

My$ Pro — Your own personal finance analyst – $9.99

For: People who want to see around corners — upcoming bills, future balances, the full picture.

My$ Pro — $9.99/mo Nothing slips through.

You’ve got a checking account, a savings account, maybe two cards. Things overlap. Bills hit at the worst time. My$ Pro keeps tabs on all of it so you’re never caught off guard.

Everything in Plus, plus:

  • Connect up to 5 accounts
  • Budget buckets (up to 10)
  • See what’s coming up in the next 30 days
  • Get a heads-up before a big bill lands
  • Monthly snapshot — where did it all go?
  • One-tap export to CSV — takes it straight to Excel or Sheets

Looking for MNY$, our Business Spending App? Click here!

🔒 Your Privacy is Our Priority

  • We can’t touch your money: The connection is strictly “read-only.” MY$ can only look at transaction numbers to do the math—it is physically impossible for the app to move, withdraw, or touch a single penny of your funds.
  • Bank-Level Encryption: Your data is fully encrypted from end to end. We never sell your financial data to third parties, and we only look at what is absolutely necessary to keep your dashboard updated.