Most budgeting apps are trackers. You spend money, the app logs it, and at the end of the month you get a chart telling you where it went. That’s useful for looking backward. It does nothing for the moment that actually matters: the moment before you spend.

At Mosh Labs, we built PreSpend around a different question: what am I committing my money to before I spend it?

That’s the whole premise. Plan first, spend second.

Planning-First, Not Tracking-First

When you open PreSpend, you’re not logging a transaction that already happened. You’re allocating income to expenses before the month starts, and deciding how sure you are about each one.

Every expense you add is either something that’s happening no matter what, like rent or a loan payment, something that varies but is likely, like a utility bill, or something you’re only considering. For anything that isn’t a sure thing, you set how confident you are that it’ll actually happen this month. That one honest answer is what separates a wish list from a real plan, and it’s what lets PreSpend show you what’s safe to spend if only your near-certain commitments land, versus what’s left if everything you’ve considered actually happens.

Beyond the Monthly Budget

Planning income against expenses is the core loop, but a lot of the money decisions people actually agonize over don’t fit neatly into a single month. So PreSpend also handles the stuff that spans months:

• Loan tracking, for money you’ve lent to someone or borrowed from them. You can log it as a one-time thing or as installments over time, set reminders so it doesn’t quietly get forgotten, and mark it off once it’s paid off or collected.
• Subscription tracking, so recurring charges, whether they bill weekly, monthly, quarterly, or on an odd custom schedule, show up as a running list you actually control instead of a surprise on your statement.
• Savings goals, for a specific target like a trip or a purchase, or an emergency fund sized against your actual monthly expenses, with contributions and withdrawals tracked against the goal.
• Bill splitting, for the group dinner or shared trip. Add the people, assign specific items to specific people (or split evenly), add tip and tax, and you’re done, no separate app and no chasing people for their share in a group chat.
• A short monthly reflection, three simple prompts about what was hardest to commit to, what surprised you, and what you’d cut if you had to. No score, no grade, just a habit of checking in with yourself.

Your Data Stays With You

PreSpend doesn’t ask for your bank login. There’s no account aggregator, no institution scraping your transaction history. Your budgets, expenses, and income entries are typed in by you and live on your device by default.

We don’t pretend the app never touches a network, that would be overselling it. If you want your budgets to follow you across devices, or you’re splitting a bill with someone else, you can turn on optional, encrypted cloud sync. It’s off by default, and everything still works fully offline whether or not you ever flip that switch.

Try PreSpend Today

PreSpend is available now on Android, with iOS on the roadmap. If you want a budgeting app that asks what you’re committing to before you spend, and actually follows you through loans, subscriptions, savings, and splitting the bill, check out PreSpend on Mosh Labs.