Everything in
Money Mastery
Money Mastery isn't just a spreadsheet—it's custom code that makes financial tracking easier than ever. Personal AND business finances, integrated with machine learning that learns YOUR patterns.
We focus on the ENTIRE person—not just business accounting or basic tracking.
Why We're Different
Money Mastery isn't just another spreadsheet or app—it's a complete financial clarity system built for real life.
Holistic Approach
Personal + Business finances in one unified view. See your complete financial picture, not just fragments.
AI-Powered Learning
Clarity AI learns your categorization patterns. The more you use it, the smarter it gets—saving you hours each month.
Private by Design
No personal data required or uploaded. Your financial information stays private and secure.
Less Than Coffee
At $2.43/day, Money Mastery costs less than your daily latte but delivers lasting financial clarity and peace of mind.
What Sets Us Apart
Personal Money Map
Your complete personal finance dashboard
Dashboard Snapshot
Income + expenses at a glance, sortable by date and custom time periods.
Link Up to 10 Accounts
CSV, PDF, and Excel statement support. Parse statements directly in the sheet.
20 Income + 400 Expense Categories
Crystal clear tracking with mass apply for one-click categorization.
Split Transactions
Easily split between categories or accounts for accurate bookkeeping.
Receipt Attachment
Add receipts for proper bookkeeping. Everything ready for tax time.
Transfer Tracking
Detailed tracking between accounts. Never lose sight of money movement.
Monthly Breakdowns
Monthly income + expense breakdowns with yearly summaries.
Needs vs Desires
Break down spending by needs and desires to understand priorities.
100K Transactions/Year
Built to handle up to 100,000 transactions per year.
Plaid Bank Integration
Automatic bank sync coming soon. Currently supports CSV, PDF, and Excel imports.
Business Dashboard
Professional tools for business owners
Multi-Business Support
Easily move between business and personal accounts in one system.
Profit & Loss Tracking
See exactly how your business is performing with automatic P&L reports.
International Currencies
Supports international conversion rates on business accounts.
Cash & Register Tracking
Cash App, PayPal, Venmo, and bank register CSV tracking.
Move Between Accounts
Seamlessly switch between business and personal views.
Yearly Category Summary
Complete yearly summary of all accounts and categories.
Clarity AI
Your personal financial guide
Clarity AI is built into every part of Money Mastery, helping you make sense of your finances without the overwhelm.
-
AI-Based Categorization
Smart recommendations that learn your spending patterns
-
Auto-Fill Predictions
Built-in learning makes predictions on sorting
-
Custom AI Reports
Ask questions and get custom reports built for you
-
Chat with Clarity AI
Ask anything about the sheet and how to use it
-
Custom Categorization Recommendations
AI suggests better ways to organize your transactions
I noticed your "Dining Out" spending increased 23% this month. Would you like me to show you a breakdown by vendor?
Yes, show me where I'm spending the most
Here's your top 5: Chipotle ($142), Starbucks ($89), DoorDash ($78)... Want me to create a spending limit alert?
Planning & Goals
Tools to reach your financial dreams
Track Your Savings
Plan goals, track progress, and explore savings plans.
Plan Goals
Set financial goals with clear milestones and track progress.
Spending Trends
See patterns over time. Know where your money flows.
Net Worth Tracker
Assets + liabilities in one view with automatic calculation.
Debt Payoff Tools
Track long + short-term debt with projection calculator.
New Loan Calculator
See the real impact of new loans before you commit.
Reports & Sharing
Custom reports and easy collaboration
All Transactions Report
Complete transaction history exportable.
Account Breakdown
Detailed breakdown by account.
Needs vs Desires
Understand your spending priorities.
Payment Summaries
All payments organized and summarized.
Profit and Loss
Business P&L reports automatically generated.
Spending Trends
Visual trends over time.
Custom AI Reports
Ask Clarity AI to build custom reports.
Easy Share Function
Share with up to 3 guests + PIN protection.
Share with Accountants
Share directly with accountants, bookkeepers, and spouse. Up to 3 guests per sheet.
Data Handling & Security
Your data is safe and private
100K Transactions/Year
Handle up to 100,000 transactions annually.
CSV, Excel, PDF Support
Import from all major account statement formats.
Parse Statements Directly
Parse all statements directly in the sheet.
Private by Design
No personal data required or uploaded. Your information stays private.
All Data Centralized
Everything in one secure system.
Secure Data Import
Safe CSV, PDF, and Excel statement parsing.
Onboarding & Support
We set you up for success
45-Min Onboarding Call
Included with every plan ($150 value). Meet Donna, tour the system, ask questions.
Step-by-Step Guidance
Follow the steps. Label as you go. Done. That simple.
Step-by-Step Tutorials
Written guides and visual walkthroughs right where you need them.
Support Ticket System
Direct access to support when you need help.
Money Mastery Collective
FREE lifetime entry to our community group.
Chat with Clarity AI
Ask questions about your finances 24/7.
QuickBooks vs. Xero vs. Money Mastery
Not sure which tool is right for you? Here's how Money Mastery stacks up against the big names in financial software.
| Feature |
QuickBooks
|
Xero
|
Money Mastery
|
|---|---|---|---|
| Best For | Small business accounting & invoicing | Small business accounting & payroll | Entrepreneurs managing both personal + business finances |
| Personal Finance Tracking | |||
| Business Finance Tracking | |||
| Personal + Business in One System | |||
| Debt Payoff Planner (Snowball/Avalanche) | |||
| Net Worth Tracker | |||
| Savings Goals & "Pay Yourself First" | |||
| Needs vs. Desires Categorization | |||
| Built-in AI Assistant | |||
| 1:1 Coaching Available | |||
| Profit First Methodology | |||
| Invoicing & Billing | (Use your existing tools) | ||
| Payroll Management | (add-on) | (add-on) | (Use your existing tools) |
| You Own Your Data (Google Sheets) | |||
| Lifetime Access to Purchased Year | (subscription only) | (subscription only) |
QuickBooks
Best for businesses needing invoicing, payroll, and traditional accounting. No personal finance features.
Xero
Clean interface for small business accounting. Affordable starter plan. No personal finance or coaching.
Money Mastery
Built for entrepreneurs who want to see personal + business finances in one place, with real support when you need it.
Feature comparison is based on publicly available information as of 2025 and may evolve over time. Pricing is subject to change. Money Mastery is not accounting software; it's a financial clarity system designed for entrepreneurs.
Ready to Master Your Money?
All these features are included in every Money Mastery plan.