Your finances, finally under control
XrayMoney is the smart finance manager built for individuals, couples, and families. Track spending, set goals, scan receipts, and sync your UK bank — all in one place.
14-day
Free trial
£0
Setup cost
90 days
Transaction history on sync
100%
Read-only bank access
Simple by design
Up and running in minutes, not days
No complicated setup, no manual imports, no spreadsheets. XrayMoney handles the heavy lifting so you can focus on what matters.
Create your account
Sign up in under a minute. Start your 14-day free trial instantly — no credit card needed.
Add transactions or sync your bank
Log expenses manually, scan a receipt with AI, or connect your UK bank via Open Banking to import automatically.
Get insights and hit your goals
Set budgets, track savings goals with projections, and receive AI-powered monthly reports straight to your inbox.
Everything you need
Built for people who take money seriously
Every feature works out of the box. No plugins, no add-ons, no surprises.
Analytics & Reports
Income vs expense charts, expense breakdowns, and scheduled monthly reports delivered to your inbox.
Goal Projections
Set savings goals or debt payoff targets. Smart projections show your exact completion date based on your contributions.
Open Banking Sync
Connect your UK bank via TrueLayer. Transactions sync automatically every day — categories included.
AI-Powered Insights
Every report comes with 3 personalised insights from your AI financial coach, based on your actual data.
Receipt Scanning
Snap a photo of any receipt. Gemini AI extracts the merchant, amount, date, and category automatically.
Shared Accounts
Invite a partner or family members to your account with read or write permissions. Perfect for households.
Recurring Transactions
Set transactions to repeat daily, weekly, monthly, or yearly. Never miss logging a subscription again.
Audit Logs
A full history of every action taken on your account — who added what, and when. Full transparency.
Transparent pricing
Simple pricing. No hidden fees.
Start with a 14-day free trial. Cancel anytime.
Single
Perfect for individual financial management
- 1 account member
- Unlimited transactions
- 30 days of history
- 3 goals per month
- 3 spending budgets per month
- 2 reports per month
- 2 bank connections
- Analytics & insights
- CSV import
- Receipt scanning
- Member invitations
Joint
Ideal for couples and small households
- Up to 2 account members
- Unlimited transactions
- 365 days of history
- 10 goals per month
- 10 spending budgets per month
- 5 reports per month
- 5 bank connections
- Analytics & insights
- CSV import
- Receipt scanning
- Member invitations
Group
Built for families and groups
- Up to 5 account members
- Unlimited transactions
- Full history (no limit)
- Unlimited goals per month
- Unlimited budgets per month
- Unlimited reports
- 10 bank connections
- Analytics & insights
- CSV import
- Receipt scanning
- Member invitations
Ready to take control of your money?
Join XrayMoney today. 14-day free trial, no credit card required, cancel any time.
✓ 14-day free trial · ✓ No credit card · ✓ Cancel anytime