MoCo, also known as MoneyConfidence, is a budgeting app and financial coaching platform created by Financial Step Up, LLC. Built for everyday people, it aims to make financial education practical, relatable, and empowering. The platform brings budgeting, credit tracking, goal setting, financial learning, and coaching together in one place, with manual money entry designed to encourage users to engage actively with their finances.

MoCo’s tools include budget and expense tracking, net worth calculations, credit score monitoring, debt-to-income and credit utilization insights, and a financial health score. Users can create goals such as saving for a home, paying off debt, or building an emergency fund, then track contributions and milestones. The app also offers short lessons on budgeting, credit, saving, and debt management, along with an AI financial coach available around the clock and access to human coaches and live coaching sessions. Additional features include a vision board and easy-to-read financial dashboards. MoCo is available on iPhone, Android, and desktop or laptop browsers, with a seven-day free trial.