| What it does | Budget app that shows what you can spend today
| Budgeting and debt payoff planner with no bank linking and no data selling
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| Stage | Not given
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| Founded | Not given
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| Based in | US
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| Pricing model | Freemium
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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 plan: 2 accounts, 5 debts, 1 property, no card required. Home plan: $5.99/month.
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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
| - Avalanche, snowball, or custom debt payoff order
- Projected debt-free date
- Financial forecasting up to ten years out
- Overdraft warnings months in advance
- Bank and credit card statement upload
- No bank account connection required
- Two-factor authentication and encryption
- Consolidation offer calculator
- Household sharing of financial books
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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
| - No bank account linking – you enter numbers, not credentials
- Price locked in for life – no rate increases
- Reads bank statements to eliminate manual data entry
- Actual debt-free date instead of vague projections
- Warns of overdrafts months before they happen
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 2 ● no change since last check | 10 ● no change since last check |
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| Trust Flow (Majestic) | 1 | 22 |
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| Citation Flow (Majestic) | 19 | 12 |
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| Referring domains (Majestic) | 11 | 2 |
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Ledgerly
The Silo