Take the work out of money

Sloth Money keeps your budget organised, your goals moving and the routine admin off your plate.

Join the free beta
  • Automated transaction categorisation
  • Budget suggestions
  • Savings goal scenarios
  • CLI & Agent API
Sloth Money dashboard showing goal drift, month-to-date spend, and roadmap snapshot

Track, budget and save together

From daily spending to shared goals, keep your money organised in one place.

Track every purchase

  • Connect banks or import CSVs
  • Search and filter transactions
  • Split spending across categories
  • Scan and review receipt items

Budget your way

  • Custom categories and budget items
  • A monthly cycle that fits payday
  • Plan budgets for future months
  • Set price-change alerts and renewal reminders

Share fairly

  • Personal and shared spending
  • Choose how you split each cost
  • See who owes what
  • Ask your partner about a purchase

Plan what’s next

  • Goals linked to savings accounts
  • Set goal priorities and target dates
  • See when goals could be funded
  • Track savings and investments

Automated transaction categorisation

Sloth learns from the categories you have already approved and suggests matches for new spending. Review the exceptions instead of labelling every transaction yourself.

Two ready suggestions: Spotify & Disney matched to Entertainment and Streaming, and Tesco to Groceries and Food shop, with approval controls
  • Reuse category choices you have already approved
  • Get suggestions for merchants Sloth has not seen
  • Apply one suggestion or every ready choice at once

Budget suggestions

See where your budget could work harder. Sloth suggests practical changes, and you choose what to adjust.

Budget review balancing a £177 increase to Groceries with a £177 reduction to Accommodation, ready to save
  • See which categories need more or less room
  • Redirect spare budget towards savings goals
  • Edit, accept, or ignore each suggested change

Savings goal scenarios

Ask “what if?” before you move money. Compare different saving contributions and see how each option shifts the goals on your roadmap.

Promotion scenario: the selected option contributes £500 to savings and £1,000 to investments; the alternative contributes £200 and £800
  • Add contribution options to any future month
  • See how each option changes your goal forecast
  • Switch scenarios without rebuilding your plan

CLI & Agent API

Connect your AI agent to Sloth through the CLI or Agent API, then build money skills around the way you work. MCP support is coming soon.

Preview a budget move CLI example 
$ sloth-agent budget move \
  --scope personal \
  --from-category-id activities \
  --to-category-id groceries \
  --amount 52.95

Preview output · no changes made 

{
  "dryRun": true,
  "payload": {
    "scope": "personal",
    "fromCategoryId": "activities",
    "toCategoryId": "groceries",
    "amountPence": 5295
  }
}
  • Categorise new transactions every day
  • Reallocate budgets to maximise your savings goals
  • Check “Can I afford this?” before you buy
Explore the developer tools

Use it like an app - without the App Store

Add Sloth Money to your home screen for one-tap access. Same login on your phone and desktop - no separate download.

One tap from home

Pin to your home screen so your roadmap opens like any other app.

No App Store

Start in the browser - skip the store and the extra install step.

Same account everywhere

Pick up where you left off on phone, tablet, or desktop.

Make room for your goals

Plan for a holiday, a home, or a savings cushion - on your own or with a partner. See how everyday spending changes your goals.

Saving for a holiday

Build a fund for flights, stays, and spending money. See how much to save each month to be ready before you go.

An unexpected car repair

A car breaks down. You dip into your emergency fund. Instantly see how that changes your timelines - and what needs to adjust.

Saving for a home

Plan for the deposit, moving costs, and making it yours. See how saving for a home fits alongside your other goals.

Can you afford your dream home?

Building a long-term nest egg

See how consistent saving and investing compounds over years, not just months.

Join the free beta

Free for anyone. Plan solo or with someone else.

Start with your goals

Join during the beta and full access is yours free forever. Build your own plan, or invite one other person to join you.

  • Invite one other person free while your accounts are linked
  • Your roadmap and goals from day one
  • Full app and Agent API access

Free beta

£0

Forever for beta users

No card required
No forced feedback prompts

Everyone who joins during the beta keeps full access.

No ads or hidden fees.

Your data stays private and secure.

Your data, fully under your control

Built with privacy and trust as non-negotiables.

Bank-level encryption

Protecting every connection.

Read-only account access

We can’t move your money.

No selling your data

Your information stays yours.

Delete everything at any time

Full control over your footprint.

Build your long-term wealth with clarity

See where your money goes, keep your budget on track, and plan for the goals that matter to you.

Join the free beta

Free forever for beta users • No card required • Join solo or invite someone

Future focused

Projected trajectory for your life goals over years, not months.

Plan solo or together

Manage your money on your own, or plan with someone else while keeping personal finances private.

Truly flexible

Budgeting and scenario planning that adapts as your life changes.