A private budget app that shows what you can safely spend
Track all your money in one app: bank accounts, cards, cash, exchanges and crypto with summaries in hryvnia
Stage
Not given
Established
Founded
Not given
2021
Based in
US
UA
Pricing model
Free trial
Not given
Pricing
7-day free trial, then monthly or annual subscription. Exact pricing shown in App Store or Google Play purchase flow.
Free tier available without credit card. Plus: 199 ₴/month or 1,999 ₴/year. Family: 399 ₴/month or 3,999 ₴/year (up to 5 people). Business: 599 ₴/month or 5,999 ₴/year for sole proprietors. Prices include taxes; annual plans offer approximately 2 months free.
Key features
Freeflow Engine - shows what is actually usable after protecting bills, debt, and savings
Cash Low Point Monitoring - projects how low available cash may fall before next paycheck
Afford It Decision Tool - checks whether a purchase fits the financial plan
Bill Reminders - track upcoming, due, paid, and overdue bills
Debt Payoff Tools - snowball and avalanche calculations with interest savings
Savings Goal Tracking - create and track progress on savings goals
Reserved Cash - separate committed money from everyday spending
Paycheck Planning - plan around income timing including irregular income
Manual Budgeting - plan without connecting a bank account
Consolidate bank accounts, cards, cash and crypto in one dashboard
Voice, text and receipt photo expense recording with Surikat AI
Budget tracking with spending pace alerts
Days Supply calculator on iPhone and Mac
Annual spending heat map and analytics
Shared spaces for families and couples
Support for 8 crypto exchanges and wallets
Multi-currency conversion to hryvnia
AES-256-GCM end-to-end encryption
What makes it different
No bank sync or bank credentials required - keeps financial data private and avoids broken connections
Local-first architecture - financial data stored on device, never sold
Looks forward to upcoming obligations instead of backward at past spending
Shows safe-to-spend amount rather than just balance
Manual budgeting keeps users close to their money
Voice and photo receipt expense recording with AI categorization
Consolidated view of all money sources with single hryvnia conversion
Days Supply metric showing days until money runs out
End-to-end encryption with data stored only in EU
No data selling or AI model training on user information
Savern
Degroshi