mooola
Google Play
App StoreYou choose what to import
Download a statement from your bank and select it yourself. mooola never asks for your banking username, password, PIN, or one-time password.
mooola: a private expense tracker for South Africa
mooola is an expense-tracking app for South Africans who want to understand their spending without linking a bank account. Import a supported PDF or CSV statement to review income, expenses, categories, recurring payments and multiple accounts, with financial records processed and stored on your device.
Understand actual spending from the records you already have
mooola turns supported statement files into an organised view of transactions, categories, accounts, subscriptions, recurring payments, and monthly activity.
Financial data stays local
Supported statements are parsed on your phone or tablet. Imported transactions and insights live in the app’s local database.
Built around local formats
Import selected statement formats from Capitec Bank, Absa, African Bank, Discovery Bank, FNB, GoTyme Bank, Investec, Nedbank, Standard Bank, Woolworths credit card. Woolworths support is limited to the Absa-managed credit card.
From statement to spending clarity
- 1
Export the supported file
Download the original CSV or digital PDF from your bank. The exact format matters, so use the relevant bank import guide.
- 2
Import it into mooola
Select your bank and statement. The app reads and validates it locally before adding or reconciling transactions.
- 3
Explore and organise
Review the import summary, then explore spending, edit categories and names, manage accounts, and identify recurring activity.
Current South African statement support
Support applies to specific statement layouts, not every document a bank can produce.
| Bank | Supported input | Instructions |
|---|---|---|
| Capitec Bank | Selected original PDF or transaction CSV | Capitec Bank guide |
| Absa | Selected digital e-stamped transaction history PDFs | Absa guide |
| African Bank | Selected digital transaction statement PDFs | African Bank guide |
| Discovery Bank | Selected digital statement PDFs | Discovery Bank guide |
| FNB | Selected digital transaction statement PDFs | FNB guide |
| GoTyme Bank | Selected original monthly personal statement PDFs | GoTyme Bank guide |
| Investec | Selected digital bank account statement PDFs | Investec guide |
| Nedbank | Selected digital current-account or tax-invoice PDFs | Nedbank guide |
| Standard Bank | Selected digital statement PDFs | Standard Bank guide |
| Woolworths credit card | Selected digital PDFs for the Absa-managed card only | Woolworths credit card guide |
A good fit when privacy and control matter
Useful for
- Reviewing where your money went
- Organising transactions into meaningful categories
- Seeing multiple imported accounts together
- Finding subscriptions and recurring payments
- Keeping bank credentials out of a third-party app
Not designed for
- Live bank balances or automatic bank feeds
- Payments, transfers, or bank-account access
- Forward-looking envelope or zero-based budget planning
- Cloud sync between devices
- Financial, investment, tax, or credit advice
Understand your statements and privacy trade-offs
Learn how to read the underlying records, compare data flows, and evaluate alternatives.
How to read a bank statement
Understand transaction dates, descriptions, debits, credits, balances, fees, reversals, and common banking documents.
Read the statement guidePrivacy-first expense tracking guide
Learn the differences between manual entry, statement imports, bank feeds, local storage, cloud sync, backups, and optional network features.
Read the privacy guideCompare personal finance apps
Compare mooola directly with FinWise, Vault22, and YNAB, or open the broader six-app roundup.
View app comparisonsUse your spending history for a specific job
These guides focus on common questions that a statement-based expense tracker can help answer.
Find subscriptions and recurring payments
Identify repeated charges and distinguish subscriptions from debit orders, scheduled transfers, and instalments.
Review recurring paymentsTrack spending across multiple accounts
Align statement periods, handle transfers, and avoid duplicate transactions from overlapping imports.
Combine accounts correctlyFind realistic ways to save
Turn a complete spending baseline into repeatable changes and measure the result.
Build a savings reviewSee your spending clearly, without connecting your bank
Get mooola for Android on Google Play or for iPhone and iPad on the App Store.