Most questions are answered here — and when they're not, the feedback button sends your note to a human. We read everything, even if we can't reply to every note.
A personal budgeting and cash-flow planner. You set up spending categories with monthly amounts, log transactions across accounts and currencies, and it tells you whether the month's plan holds. It is not a bank, not an investment platform, and not a financial advisor.
No. MagickMoney is a record-keeping and planning tool. Projections and cash-flow figures are arithmetic based on data you entered. Consult a qualified professional before making financial decisions.
Budgeted is the setup plan for the month, including any rollover from last month. Actual is your current working plan — update it as reality changes during the month. Paid is what has actually happened. Cash Flow tracks Actual: if it goes negative, trim Actual somewhere to balance.
Use a transfer: the Transfer button at the top of the app, or Add Transaction and choose "Transfer (Between Accounts)…". A transfer is one move recorded as two linked entries — out of one account, into the other. Clicking either entry later opens Edit Transfer, where both sides change together; deleting removes both. For a transfer between currencies, you enter the amount that actually arrives in the other account (leave Amount To blank to copy Amount From), so the two sides can differ by whatever the conversion really cost.
$10/month, billed via Stripe. New accounts get a 14-day free trial (card required at checkout, not charged until the trial ends). If a payment fails you have a 14-day grace period to update your card. And there's a 30-day money-back guarantee — if it's not for you, full refund, no questions asked. Manage your card, invoices, and cancellation under My Account → Billing, which opens Stripe's hosted customer portal — we never see your card number.
Click "Forgot password?" on the login page. If your account has an email on file, you'll get a reset link valid for one hour (single use). Sessions also expire after 30 minutes of inactivity.
Yes — go to My Account → Your data → Export my data for a ZIP of all your financial data (per-table CSVs plus a manifest). Your data is yours. If you cancel, you have 30 days to export before deletion.
Yes — Import in the sidebar accepts CSV files and OFX/QFX downloads from your bank. MagickMoney works out which columns are which and remembers the layout for next time; it suggests a category for each row based on your own history and flags likely duplicates. Nothing is final until you review and confirm, and each row lands in the cycle its date belongs to — not necessarily the one you are viewing.
Yes! Go to My Account → Refer & Earn for your personal referral link. Friends who sign up with it get their first month free (30 extra trial days on top of the 14-day trial), and you earn a $10 account credit — one free month — for each friend who becomes a paying customer. Credits apply automatically to your next invoice. There's no limit.
Only you (and anyone you share your login with). Each customer's data lives in its own isolated database. Our administrators can access the underlying databases for maintenance only. We never sell data, and there are no third-party trackers or analytics in the app.
Any currency in the currency table, plus MKM, MagickMoney's own unit for planning: budget in MKM when you don't know yet which currency you'll spend in — travelling is the classic case — and one figure stands for a little more or less than that in whatever currency the spending lands in. You set each cycle's exchange rates yourself when the cycle is created — or fetch the current USD/CAD rate with one click — and they stay fixed for that cycle.
Create a new cycle (sidebar → New Cycle). Rollover carries the difference from last month forward: unspent amounts increase Budgeted for the new month, and overspending decreases it — Budgeted can go negative when a category was overspent by more than its plan. Rollover leaves Actual alone, so you can see the divergence the rollover created.
A savings target with a deadline (e.g. "$2,000 for a trip by December"). Log contributions as transactions categorized to the goal; the progress bar tracks you.
First, check the relevant FAQ answer above — most "bugs" are the Budgeted/Actual/Paid distinction. If it's genuinely broken, use the Send feedback button in the app and tell us what you clicked, what you expected, and what happened (a screenshot helps).
My Account → Billing → Open billing portal, then cancel in the Stripe portal. Your data stays available for 30 days for export, then it's deleted per our retention policy (audit records we're legally obliged to keep are the exception).
Passwords are hashed with bcrypt and never stored or logged in plaintext. Login is rate-limited against brute force, and password-reset links expire after one hour and can only be used once.
Yes — a REST API (v1) covers accounts, transactions, transfers, categories, budgets, goals, and reports. Access uses personal API tokens rather than your password: you create a token by signing in to the API once with your normal login (POST /v1/auth/token, with a label so you remember what it is for). The token itself is shown only once — store it somewhere safe. Tokens expire after 90 days, and you can list and revoke them through the API at any time. There is no token page in the web app yet; tokens are managed through the API itself.