Budgeting and debt payoff planner with no bank linking and no data selling
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
Not given
UA
Pricing model
Not given
Not given
Pricing
Free plan: 2 accounts, 5 debts, 1 property, no card required. Home plan: $5.99/month.
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
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
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 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
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
The Silo
Degroshi