MOCHIU makes the trade-offs behind every choice visible
Business
Multimodal AI organizes receipts, conversations, and rosters directly, helping individuals and their circles see whether they have enough money and time before spending or committing.
Problem
Unplanned spending can squeeze budgets at month-end. Rosters, existing commitments, and rest are scattered across different places, making it hard to know whether there is enough room to say yes.
Audience
Individuals and their circles, including shift workers and people coordinating with others.
Approach
Receipts, conversations, and rosters go straight in; budgets, clashes, and rest boundaries are checked together.
Products and stages
Live · iOS & Android
Understanding financial context to anticipate what remains
Organize fixed and variable income into a monthly budget plan, then use receipts and spending to track what remains in each budget.
Launching soon
Shared-time analysis and commitment checks
Keep shift work, family, friends, and the many roles of life from pulling against one another—protect your own time, and say yes to the moments you want with confidence.
Not publicly downloadable yet.
OUR TEAM
Founder
View LinkedIn (opens in a new tab)How it works
Spending behavior reveals pressure ahead, while rosters and commitments expose time overlaps that are easy to miss when checked manually.
01 · Multimodal understanding
No line-by-line receipt entry, no manual conversation summaries, and no reformatting rosters into another table. Images, text, and natural language can go straight in; income, spending, and time come back organized and ready to compare and act on.
02 · Build a life baseline
Income cycles, fixed costs, spending patterns, existing commitments, important goals, and rest boundaries form a life baseline that people can keep refining.
03 · Check current information
Each option is checked against prices, exchange rates, and local information; sources are cross-checked and the comparison is updated without making people search page by page and recalculate manually.
04 · Compare impact
Repeated search, comparison, and calculation happen in one pass.
05 · Check limits
Remove options that exceed budgets, clash, or squeeze out rest.
06 · Keep the choice
See how a choice affects money, time, and goals; people decide whether to confirm, adjust, or decline.
How it is calculated
Money and time follow the same principle: preserve what cannot be sacrificed, then decide whether a new choice fits.
01 · Money
Income is allocated to everyday spending, fixed costs, life goals, and savings; a new expense can only use the room left afterward.
monthly income → everyday spending + fixed costs + life goals + savings
02 · Time
Available time is reduced by fixed plans, existing commitments, and rest; a new invitation can only use the space preserved afterward.
available time − fixed plans − commitments − rest = available time