Meet Maya, a fictional MOX member. This is what she can spend before her next paycheck without touching money reserved for bills, cards, or her safety buffer.
Included cash
••••
Reserved
••••
No bank is connected. Nothing you do in this tour changes a real account.
1
Step 1 of 6
Start with one decision
MOX starts with available cash, then reserves every bill and card payment due before the next paycheck plus a safety buffer. Tap-worthy inputs make the answer auditable rather than magical.
Safe to Spend
Demo data
Until the next paycheck
••••
through Thu, Aug 14
Included cash
••••
Bills & cards
••••
Safety buffer
••••
2
Step 2 of 6
See the whole picture
Accounts puts cash and debt in one place. Net worth is cash plus investments, minus cards and loans—not the same as the checking balance used by Budget.
Accounts
Demo data
Net worth over time
May 1, 2025
Jul 30, 2025
Try it: touch or drag the line to inspect a sample date. Synthetic weekly balances through Jul 30, 2025.
Linked accounts
Everyday Checking
checking · ···4471
••••
High Yield Savings
savings · ···7616
••••
Freedom Unlimited
credit card · ···9920
••••
American Express Gold
credit card · ···1002
••••
3
Step 3 of 6
Stay ahead of card due dates
A balance tells you what is owed now; a statement tells you what to pay by the due date. MOX keeps both visible so a minimum payment is never mistaken for paying in full.
Credit cards due
Demo data
Freedom Unlimited
Pay in full
••••
Minimum
••••
Due Sat, Aug 2
Paying the statement balance avoids interest; the minimum only avoids a late payment.
American Express Gold
Pay in full
••••
Minimum
••••
Due Mon, Aug 4
Paying the statement balance avoids interest; the minimum only avoids a late payment.
4
Step 4 of 6
Catch repeating money
Recurring detects repeating income and charges from transaction history. In the real app you review these suggestions before they become part of your Budget.
Recurring
Demo data
Upcoming and repeating
Rent
monthly · next Fri, Aug 1
••••
Con Edison
monthly · next Thu, Aug 28
••••
Verizon Fios
monthly · next Tue, Aug 12
••••
Spotify
monthly · next Fri, Aug 8
••••
Equinox
monthly · next Wed, Aug 27
••••
Still exploring sample data
These merchants, balances and dates belong to Maya, the fictional demo profile—not to you.
5
Step 5 of 6
Check every number
Activity is the audit trail behind every summary. Pending charges are labelled, transfers stay out of spending totals, and a real transaction can be opened and re-filed.
Recent activity
Demo data
6 newest transactions
Sweetgreen
Today · pending
••••
MTA
Today
••••
Trader Joe’s
Yest.
••••
Blue Bottle Coffee
Yest.
••••
Con Edison
7/28
••••
Joe’s Pizza
7/28
••••
6
Step 6 of 6
Turn the data into a decision
Ask a concrete question. Arlo answers from the same Budget, Accounts and Activity evidence shown above, then names the source instead of presenting a mystery recommendation.
Ask Arlo
Demo data
Can I afford it?
Can I spend •••• on a weekend trip?
Yes—Maya has •••• Safe to Spend before the trip and •••• after it, through her next paycheck. Upcoming cards, bills, and the safety buffer remain reserved.
Grounded in sample Budget, Accounts and Activity data
Tour complete · 6 of 6
Ready for your own numbers?
Sign in, connect through Plaid, and MOX replaces every sample row above with your data. You choose which institutions to connect.