All your money in one place.
Your accounts don't talk to each other. Here they do — every transaction, fund, obligation and category in a single month you can actually read.
Founding members
The first 100 people to create an account never pay — not even once paid plans arrive.
3 of 100 founding spots taken
Try it right here.
No account, no email. Add an expense and watch the whole month move. This is the real form and the real arithmetic — nothing is simulated.
Where it went
- Housing & Rent€900.00
- Groceries€320.00
- Transport€140.00
- Utilities€130.00
- Dining & Takeout€83.00
Savings
- Emergency fund€1,050.00 / €1,500.00
- Car tax€400.00 / €400.00
- Holiday€280.00 / €900.00
- CoffeeDining & Takeout-€18.00
- StreamingSubscriptions-€12.99
- PharmacyHealth & Fitness-€45.00
- SalaryIncome+€2,500.00
- RentHousing & Rent-€900.00
A few minutes, and it's yours.
- 01
Set up your funds and obligations
Emergencies, taxes, savings — what you put aside and what you already owe, with the month it falls due. This is the part you only do once.
- 02
Add expenses as they happen
Or all at once on Sunday evening. Cash, card, whichever account — it all lands in the same month.
- 03
See the whole picture
Where the money went, what's genuinely free after everything is spoken for, and how each fund is doing.
Everything you need to keep track of your money.
Every feature has its own screen: accounts, transactions, categories, savings, obligations and recurring. Below you see them one by one, all on the same month, exactly as they look once you're signed in.
Every account, one total
A current account, a card you owe on, the cash in your wallet. Each balance is held separately and then added up, so "how much do I have" has one answer instead of four.
Sample month
- Current accountBank account€1,928.00
- Credit cardCredit card-€496.00
- Cash in walletCash€124.00
- Savings accountSavings€3,840.00
A month you can read end to end
Every entry carries its category and the account it moved through. A cash withdrawal can be split into what you actually bought — and the month total does not move when you do it, because splitting only refines where the money went.
Sample month
- Oct 8CoffeeCredit cardDining & Takeout-€7.20
- Oct 7Weekly shopCredit cardGroceries-€97.40
- Oct 5StreamingCurrent accountSubscriptions-€25.80
- Oct 4Cash withdrawalCurrent accountCash-€128.00
- Oct 2FuelCredit cardTransport-€114.00
- Oct 1Doctor appointmentCash in walletHealth & Fitness-€72.00
- Oct 1RentCurrent accountHousing & Rent-€760.00
- Oct 1SalaryCurrent accountIncome+€2,950.00
Where it went
- Housing & Rent€880.00
- Groceries€460.00
- Transport€195.00
- Dining & Takeout€168.00
- Shopping€154.00
- Utilities€136.00
Spent€2,439.80
Limits that carry themselves forward
Set a budget once and it applies from that month on, until you change it. What is left across every budgeted category is what you can safely spend, and going over one is shown rather than hidden.
Sample month
- Groceries€460.00of €520.00· €60.00 left
- Transport€195.00of €220.00· €25.00 left
- Dining & Takeout€168.00of €140.00€28.00 over
- Shoppingsince Aug€154.00of €160.00· €6.00 left
- Entertainment€72.00of €80.00· €8.00 left
- Subscriptions€25.80of €30.00· €4.20 left
Money you moved out of reach
An emergency fund, a holiday, a laptop. Savings are their own ledger rather than a slice of a balance, so money set aside stops counting as money you can spend.
Sample month
- Emergency fund€3,900.00of €7,200.00€3,300.00 to go
- Holiday€960.00of €2,400.00€1,440.00 to go
- New laptop€1,760.00of €2,200.00€440.00 to go
- Car repairs€312.00of €1,200.00€888.00 to go
Set aside€400.00
What you already owe, with its month
The road tax, the insurance, the instalment. Not savings — money promised to someone else, waiting for the month it leaves. Each one is short by its own amount, and one being covered never pays for another.
Sample month
- Owed in total
- €2,092.00
- Set aside
- €1,408.00
- Still needed
- €704.00
- Road taxdue November 2026€600.00of €580.00
Ready to pay
- Car insurancedue January 2027€360.00of €840.00
€480.00 short
- Loan instalmentdue December 2026€448.00of €672.00
€224.00 short
The ones that happen without you
Rent, the phone bill, a salary. Add each one once and it lands in your transactions on its day, never before it has happened. Pause one and it stops counting.
Sample month
Across every rule below that is running.
Your recurring payments
- RentEvery month on the 5th · next on Nov 5Housing & Rent-€760.00
- Phone billEvery month on the 8th · next on Nov 8Utilities-€19.00
- Internet and TVEvery month on the 10th · next on Oct 10Utilities-€35.00
- StreamingEvery month on the 14th · next on Oct 14Subscriptions-€25.80
- Gym membershipPausedEvery month on the 3rdHealth & Fitness-€39.00
- SalaryEvery month on the 26th · next on Oct 26Income+€2,950.00
After everything is spoken for
€350.20
Actually free
This is the figure the whole app exists to produce: what is left of the month once spending, savings and obligations have taken their share. Not your balance — the part that is genuinely yours to decide about.
- Income
- €3,430.00
- Spent
- €2,439.80
- Set aside
- €640.00
- Actually free
- €350.20
Why it's built this way
There is no bank connection
Not a connection we chose not to make — one that doesn't exist. No credentials, no PSD2, no read access to anything. Your data gets in because you put it there.
No ads, no data sales
You're the customer, not the product. Your data is yours and it stays that way.
A method, not a viewer
Most apps show you where the money went. This one keeps track of what's already spoken for, so what's left is a number you can trust.
Free while we're testing.
No card, nothing to cancel — we're not selling anything yet.
Questions
Can I sign up now?
Yes. It takes a minute. The first 100 people to sign up are founding members and never pay.
Do I have to type everything in?
You type in what matters to you. Funds and obligations are a one-off, a few minutes. Expenses take seconds each, and you can do a week at a time.
Is it private and safe?
There is no bank login, because there's nothing to log into. No ads, no reselling your data.
What does it cost?
Nothing while we're testing — there's no payment system in the app and we hold no card details. The first 100 people to create an account never pay. When paid plans arrive, we'll publish the terms and ask you plainly before anyone is charged.