| What it does | Budget app that shows what you can spend today
| The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
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| Stage | Not given
| MVP
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| Founded | Not given
| 2020
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| Based in | US
| DE
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| Pricing model | Freemium
| Free trial
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| Pricing | Free to start with all features unlocked; then Monthly, Yearly (billed yearly, most common option), or Lifetime (one-time payment). Prices set by Apple App Store and Google Play and vary by country.
| Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
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| Key features | - Calculates what you can safely spend today
- Budgets over any period (month, fortnight, custom)
- Multiple accounts, transfers, and net worth tracking
- Recurring rules for rent, salary, and subscriptions
- Search and filters over every transaction
- CSV export of transactions
- Backup and restore via Google Drive, iCloud, or file
- App lock with passcode and biometrics
- Supports 165 currencies and 5 languages
- All data stays on device with optional backup only
| - Envelope-based budgeting with real-time category tracking
- Multi-asset portfolio tracking including stocks, ETFs, crypto, commodities, and forex
- Visual reports and Sankey diagrams showing spending flows
- Real-time net worth and portfolio performance tracking
- Annualized performance and wealth projections
- Manual transaction entry with no bank connections required
- AES-256 encryption with zero-knowledge architecture
- EU server hosting under GDPR compliance
- CSV import for portfolio positions
- Desktop and mobile access
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| What makes it different | - No bank connection—you manually add transactions, so no credentials to share and nothing to categorize incorrectly
- All data remains on your phone; nothing is uploaded without your permission
- Shows what you can spend today as one clear number derived from remaining funds and days until payday
- Free to start with all features unlocked; you choose whether to pay to continue adding transactions
| - Manual entry by design creates financial awareness and spending habits, unlike automated bank-syncing apps
- Combines budgeting and investing in a single app, providing complete net worth view across cash and all assets
- Zero-knowledge encryption and EU hosting unlike US-based competitors relying on third-party aggregators
- Built by a single developer with no shareholders or exit strategy, focused on quality over growth metrics
- Privacy by design with technically impossible data sales due to encryption
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 2 ● no change since last check | 16 ● no change since last check |
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| Trust Flow (Majestic) | 1 | 11 |
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| Citation Flow (Majestic) | 19 | 20 |
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| Referring domains (Majestic) | 11 | 16 |
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