Morgan Stanley

Spending + Budgeting

Your everyday spending can significantly impact your long-term goals. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.

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Your Everyday Finances All in One Place

Cash Flow

Get a comprehensive view of your incoming and outgoing cash no matter where your money is held.

View Cash Trends

Income and Expenses

Categorize your expenses, helping you and your Financial Advisor identify areas of overspending.

Analyze Your Expenses

Budgets

Create custom budgets, which can help you optimize how you put your money to work.

Create a Budget

Efficiently track spending habits, categorize expenses and create budgets across all of your accounts, from Morgan Stanley and external financial institutions.  Share this information with your Financial Advisor to align your spending to your long-term goals. 

Learn more by watching our video below.

Benefits At A Glance

Complete Financial Picture.

View all of your accounts, held at Morgan Stanley and external financial institutions, on Morgan Stanley Online and the Morgan Stanley Mobile App.

Personalized Tools and Advice Towards Goals.

Manage your cash flow, analyze your income and expenses, and create personalized budgets. Share with your Financial Advisor for advice and input to help meet your goals.

Data Security and Protection.

Spending and Budgeting is supported and backed by Morgan Stanley's full suite of cybersecurity services, to support the protection and security of your data and accounts.

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Disclosures

You have the option to provide your Financial Advisor with access to your Spending and Budgeting information upon enrollment. This election allows the Financial Advisor(s) to view all of your aggregated financial information on, including information about external accounts held at other financial institutions and all related transactions. You may update this election at any time. Financial Advisors may not provide advice on any external accounts.

Adding external accounts allows you to view your accounts from other financial institutions on Morgan Stanley Online and the Morgan Stanley Mobile App. In order to establish a secure connection with your other financial institutions during the account-linking process, you may be asked to provide certain information about the accounts you wish to enroll, including the financial institution’s names as well your usernames, passwords and answers to security-authentication questions.  Information related to your external accounts is provided for information purposes only. It is provided by third parties, including the financial institutions where your external accounts are held. Morgan Stanley does not verify that the information is accurate and makes no representation or warranty as to its accuracy, timeliness or completeness. Additional information about the features and services offered through Spending and Budgeting are available on the Spending and Budgeting site on Morgan Stanley Online and also in the Terms of Use for Asset Aggregation and Budgeting Services.

Information related to your external accounts is provided for information purposes only. It is provided by third parties, including the financial institutions where your external accounts are held. Morgan Stanley does not verify that the information is accurate and makes no representation or warranty as to its accuracy, timeliness or completeness. Additional information about the features and services offered through Spending and Budgeting are available on the Spending and Budgeting site on Morgan Stanley Online and also in the Terms of Use for Asset Aggregation and Budgeting Services. 

The Morgan Stanley Mobile App is currently available for iPhone® and iPad® from the App StoreSM and AndroidTM on Google PlayTM. Standard messaging and data rates from your provider may apply.

Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

CRC 2281834 11/18

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