melo Request an invite

See what your friends are up to.

Never what they spent. melo is a private spending tracker that shares only the moments.

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In testing for iPhone, iOS 18 or later.

Friends
  1. Maya☕ Blue Bottle12m ago
  2. Ellis🍜 Ramen Bar1h ago
  3. Sam🎟️ Concert tickets3h ago
melo

Spent today

$58.88

This month $1,321.72

A little less to remember.

Log an expense

melo

Sample widgets. Friends’ moments on top, your own spending below.

Moments, never money.

Every purchase stays in Maya’s private ledger, amount and all. Friends get one line about it.

One coffee purchase, as Maya’s phone keeps it and as Maya’s friends see it
On Maya’s phone What friends see
PlaceBlue BottleBlue Bottle
KindCoffee☕
Amount$6.40Never shared
Time9:41 AMMorning
Paid withApple PayNever shared
This week2nd visitTwice this week

A spending tracker that fills itself in

Apple Pay taps log themselves. Anything else is a quick add, a receipt scan or a request to Siri. No bank connection required.

Your week, at a glance

This month’s total, the last seven days, and every purchase, ready to edit.

melo’s Home tab: a bar chart of the last seven days, with today highlighted, and recent purchases: Whole Foods $52.38, Blue Bottle $6.50.

Where it went

Day by day and by category, with private recaps that compare each period with the one before.

melo’s Insights, Where it went: Bills $990, Groceries $163.83, Shopping $59.90, Food and dining $55.25 within its $400 limit, and more. Below, the monthly plan: $478.28 left, $1,321.72 of $1,800.

A monthly plan

Set a limit that feels right, with optional limits by category.

$478.28 left in your plan

$1,321.72 of $1,800.00

Food & dining$55.25
$400.00 monthly limitWithin plan
$1,800

Subscriptions and free trials

Get a reminder before a trial ends or a bill is due.

Spotify$12.99 every month Next paymentin 5 days
Reminder
Language appFree trial ends in 7 days Then$9.99

How a moment gets there

Set up one Wallet automation in Shortcuts. After that, there’s nothing to post.

  1. Maya taps to pay

    The automation hands the purchase to melo. No bank login, no linked cards.

  2. Only Maya can see it

    Every moment waits 15 minutes. Try it: hide this one, or never share the place again.

    melonow

    ☕ Blue Bottle

    Shares with your friends at 9:56 AM. Hide it if you’d rather not.

  3. Maya’s friends see it

    On their Friends home and their widget, ready for a reaction or a reply. Go ahead, react.

    Maya☕ Blue Bottle now

Group challenges, no scoreboard

Joining shares only whether you make it. Your days stay on your phone.

  • No-takeout week

    A week of eating in. Every day without takeout or eating out counts.

    Day 3 of 7

    Ellis and Maya are in

  • Home-coffee streak

    Make coffee at home five days in a row, any time this week.

    Starts tomorrow

    Sam and Priya are in

  • No-buy weekend

    Saturday and Sunday with only the essentials: groceries, bills, getting around.

    Over: Maya and Ellis made it 🎉

    Misses stay private

Your group, on one screen

Each friend’s latest moment, the group’s challenge, and who owes whom.

Reply or react
Tap a friend to open your chat.
Split the bill
Add a shared dinner or trip once. melo nets out who owes whom.
Keep it on your Home Screen
The widget shows all your friends, or one group.
melo’s Friends home. Maya Chen: Blue Bottle, 3 hours ago. Ellis Parker: Ramen Bar, 3 hours ago. The group The weekend people, 4 members, on day 3 of 7 of a no-takeout week.
The weekend people group in melo. Challenge card: No-takeout week, day 3 of 7, Ellis and Maya are in, with a Join button. Below, a shared story from Ellis with two reactions.

Comfortable by default

Close friends see moments from the start. Every off switch is one tap away.

melo’s Friends home with a banner: Ghost mode is on. Nothing new is shared. Turn off.
Ghost mode
One switch pauses all sharing, from Friends or You.
A 15-minute hold
Nothing posts the moment you pay. Hide any moment before friends see it.
Private kinds stay private
Health, bills, income and anything uncategorized are never shared, and neither are places like pharmacies, clinics, liquor stores and casinos.
Friends only
No public feed and no strangers. People join by invite link, QR code or handle.
Encrypted on your phone
Moments, reactions and replies are end-to-end encrypted. melo never uploads your ledger.

Start with your people.

melo is in testing on iPhone. Ask for an invite, then send your link to the friends you’d text first.

Request an invite