Mali Finance

Mali is a personal finance app that keeps everything in one place — what you earn, what you spend, what you owe, and what you're saving toward. BUDGETS THAT FIT HOW YOU SPEND Pick 50/30/20, 70/10/10/10, 60/20/20, or set your own amounts per category. Mali tracks your actual spending against your limits so you know where you stand before the month is over. AI INSIGHTS ON YOUR SPENDING Mali can look at your month and point out what changed — where you went over, what's creeping up, and what to adjust next month. AI analysis is optional, and it works on anonymised summaries of your finances. WHERE YOU STAND A financial health score out of 100, your net worth tracked over time, and a monthly view of income against expenses. TRANSACTIONS AND ACCOUNTS Log income, expenses and transfers across cash, bank and custom accounts. Set up recurring expenses and bill reminders so nothing gets missed. Browse back through any past month. GOALS Set a target amount and a date. Mali works out what you need to save each month, and you can fund the goal from any account as you go. DEBT Add a loan with its principal, rate, and term, and Mali lays out the full schedule — every installment from the next one to the last. Compare avalanche and snowball payoff strategies to see which clears your debt faster, and switch between reducing balance and flat rate interest. MALI PRO Pro adds the tools for planning further ahead: simulators for savings, debt payoff, affordability, and retirement. It also unlocks unlimited goals and accounts, every budget system, monthly reports, and CSV export. FREE TO START Budgeting, transactions, your health score, and your first goal are free. Every new user gets 14 days of full Pro access to try everything.