A new way to understand your money.
Mülah helps you understand not just what you're doing with your money - but why.
Powered by an intelligent, adaptive AI agent, Mülah observes patterns, asks the right questions, and creates space for reflection without judgment. By blending financial intelligence with emotional awareness, Mülah turns everyday spending into clarity, accountability, and informed self-direction.
Built for insight, not judgment.
Traditional financial tools focus on numbers in isolation. Charts and budgets can show where money goes, but they rarely explain the emotional and behavioral forces behind those decisions.
Mülah exists to bridge the gap between money, emotions, time, and real life—helping people see how they truly intersect.
Core Differentiator
The Accountability Measure
At the core of Mülah is the Accountability Measure—a system designed to make invisible connections visible. It reveals how financial behavior is shaped by emotions, priorities, and habits.
The goal isn't control. It's clarity.
Process
How Mülah Works
Connect
We securely sync your accounts via Plaid.
Track
Automatically categorize your spending.
Reflect
Add emotional context through journaling.
Visualize
Discover patterns in your emotions and finances.
Thrive
Make financial decisions that align with your priorities.
Traditional Tools
Mülah
Built to meet people where they are.
Mülah isn’t here to fix people or prescribe how they should live. Instead, it creates space for reflection—revealing patterns and helping users recognize alignment (or misalignment) between their goals, emotions, and everyday decisions.
Whether someone is saving, spending, rebuilding, or rethinking their habits, Mülah adapts to them. — meeting each moment with clarity, context, and understanding.
Dajour Smith
Founder & CEO
The mind behind MÜLAH’s vision and innovation. Crafting a platform that fuses financial intelligence with emotional insight to rethink how people relate to money.
Savannah Smith
Co-Founder
Shaping the emotional intelligence at the heart of MÜLAH. Connecting sociology with real-world financial behavior to help people thrive.
Pushpender Jha
Product Manager
Driving product direction and team execution. Bridging users, business, and engineering.
Ojash Tyagi
Tech Lead
Architecting the core of the platform. Building technology that scales with ambition.
Dajour Smith
Founder & CEO
The mind behind MÜLAH’s vision and innovation. Crafting a platform that fuses financial intelligence with emotional insight to rethink how people relate to money.
Savannah Smith
Co-Founder
Shaping the emotional intelligence at the heart of MÜLAH. Connecting sociology with real-world financial behavior to help people thrive.
Pushpender Jha
Product Manager
Driving product direction and team execution. Bridging users, business, and engineering.
Ojash Tyagi
Tech Lead
Architecting the core of the platform. Building technology that scales with ambition.
Who Mülah is for
The Self-Possessed
Calm under pressure. Intentional with every move.
The Early Architects
Designing their relationship with money from the ground up.
The Untraditional Earners
Independent income. Custom rhythm. No standard script.
The Clear-Minded People
Looking for understanding, alignment, and peace.
Founder-led. Thoughtfully built. Actively evolving.
Mülah is an early-stage product built with intention. The system is real, the direction is clear, and the work is ongoing.
We're learning alongside our users—continuously refining how financial intelligence and emotional awareness come together in practical, meaningful ways.
Be part of what's coming.
Mülah is launching soon. Join the waitlist for early access and help shape the future of how people understand money.