Your bank, invoices and taxes in one place
MoneySky pulls in your bank accounts and investments, matches incoming payments to your invoices and works out what you owe as an OSVČ or s.r.o.
Don't take our word for it
In their own wordsI use MoneySky for both my business and my freelancing. I can issue invoices to clients, receive invoices from artists, and manage my company's books, all in one place.
I never have to touch an app or figure out where to click. I just speak to Claude and MoneySky does the rest, from invoices to splitting shared trip payments in two. Subscription detection is the easy part; this is the impressive part.
I mainly use MoneySky to invoice clients and keep track of my personal spending and all my subscriptions. It's a smooth experience, and the fact that everything happens automatically feels like magic.
I'm a personal trainer with a lot of clients, and I often need to issue invoices at irregular times and for different amounts. MoneySky makes that really easy. Every payment is linked to its invoice, so I never have to wonder whether a client has paid or not.
For your own money and for the business you run
What MoneySky does
Ask your AI assistant about your money
Connect Claude, ChatGPT or another assistant to MoneySky and ask which invoices are overdue, what you spent on software this year or how close you are to the VAT threshold. It can also make changes, but only the ones you allow.
- Works with Claude, ChatGPT, Claude Code, Cursor and other MCP clients
- Read-only by default, with separate permissions for each area
- Deleting, sending and syncing wait until you confirm them in MoneySky
Made for European banks and Czech tax law
Most personal finance apps assume a US bank and a US tax return. MoneySky connects through PSD2 open banking, keeps every account in its own currency and follows the Czech rules for OSVČ and s.r.o.
Banks across Europe
Connect accounts in the EU, the EEA and the UK. If your bank is not covered, import a CSV statement instead.
Any currency
Accounts and invoices keep their own currency. Totals are converted into the currency you report in.
Czech tax rules
Flat-rate expenses, paušální daň, social and health insurance and the VAT threshold, with the rates for each tax year.
How it works
Three stepsSign up
Create an account with your email or Google. The trial lasts 14 days and does not ask for a card.
Connect your accounts
Link your banks, or import a CSV statement. Most Czech banks send up to two years of history on the first sync.
Open the dashboard
This month's spending and budgets, payments due in the next 30 days, unpaid invoices and your VAT headroom, all on one screen.
What happens to your data
Read-only bank access
MoneySky can read balances and transactions. It cannot make payments, and you can revoke the consent in your banking app at any time.
Regulated connections
Banks connect through GoCardless, authorised by the FCA under reference 597190. You log in at your own bank, so we never see your banking password.
Encryption
Everything travels over TLS. Bank tokens, IBANs and API keys for connected services are encrypted in our database.
Stored in the EU
Your data stays on servers in the EU and is never sold. Export it whenever you like. If you delete your account, we email you a full archive and give you 14 days to change your mind.
Pick what you need
Every plan connects to Claude and ChatGPT over MCP and starts with a free 14 day trial of everything. No card needed.
Includes a 14 day free trial
Frequently asked questions
- Bank access is read-only and runs through GoCardless, so we never see your banking password. Your data is stored in the EU, and bank tokens and API keys for connected services are encrypted.
- Yes. One account holds several business entities next to your personal finances, each with its own invoices, bank accounts and tax figures.
- You get the whole product for 14 days without entering a card. When the trial ends, choose monthly or yearly billing to keep your accounts syncing.
- Yes. Export any period as a ZIP with invoice PDFs, receipts, a transactions CSV and a summary report. Each issued invoice can also be downloaded as an ISDOC file.
- Yes. The Personal and Everything plans include properties and loans. Track the flat’s value and mortgage balance in your net worth, see rent net of interest and property costs, and follow principal repayments as equity built. The Everything plan also brings rental income (§9) and property sales (§10) into your personal tax return (DP7).
Why I built MoneySky
I'm a software engineer from Prague, and there are really two reasons why I built MoneySky.
First, I've been a bit of a nerd about personal finance for a very long time. Ever since I got my first paycheck, I've been interested in investing, saving, and building a healthy relationship with my money.
Second, I simply love building products. For the longest time, I kept a very complicated spreadsheet where I tracked all of my spending and all of my freelance income. A few years ago, I decided to build a product for me. Over the next couple of years, it gradually grew into the product you see today.
If you've ever outgrown your own spreadsheet, I built this for you too.