Everything in the ledger
Every feature below is in the app today. Where something is still being built, we say so.
Envelopes by share of income
Make envelopes such as Upkeep, Investments, Debts and Travel, and give each one a percentage of income. Every category belongs to an envelope and can take its own slice of it. Targets come from what actually came in this month, so a smaller month means smaller targets.
Income this month
Accounts in any bank and currency
Revolut, Wise, HSBC, cash, or any other account. Balances in EUR, USD, GBP, CHF and other currencies, with daily exchange rates and totals in the base currency you choose.
| Account | Balance | In euros |
|---|---|---|
| RevolutEUR | €2,480.00 | €2,480.00 |
| HSBCUSD | $4,820.40 | €4,434.77 |
| WiseUSD | $1,350.00 | €1,242.00 |
| CashEUR | €180.00 | €180.00 |
| Total in euros | €8,336.77 |
Demo balances. Rates are illustrative.
Receipt scanning
Take a photo or upload a PDF. The AI reads the shop, date, total and line items, suggests a category, and keeps the photo attached to the transaction. Split a receipt across categories when one shop covers two envelopes.
Statement import from any bank
CSV or Excel. Revolut is recognised directly. For other banks the AI detects the layout. Rules file recurring merchants (LIDL goes to Groceries), duplicates are caught, and a review screen shows everything before it's saved.
Rule: Groceries-€23.60
Recurring: Subscriptions-€13.99
Transfer between accounts€200.00
Already in the ledger, skipped-€23.60
A shared household
Invite your partner with a code. You both see the same accounts, envelopes and transactions, each in your own language.
This week in the household Demo
Recurring payments and Coming up
Rent, subscriptions and loan instalments are booked automatically when they fall due. Coming up shows what is left to pay this month.
28 Nov, from HSBC-$1,800.00
30 Nov, from Revolut-€350.00
1 Dec, from Wise-$45.00
Transactions
Income, expenses and transfers between accounts, including currency exchange with its fee. Filters, search, bulk edit, split receipts and CSV export.
Debts and net worth
A repayment plan for each debt. Payments reduce the balance on their own, and net worth is on the home screen.
Savings goals
Set a target and a deadline, and see how much to put aside each month to make it.
Investments
Track holdings at XTB, Binance or on a Ledger. Crypto and US stocks at live prices, with average cost and profit.
Alerts and reminders
Warnings when an envelope goes over budget or a debt nears its deadline, plus a daily email reminder you can switch on.
Statistics
A spending breakdown, envelopes against plan, twelve months of cash flow, and daily spending compared with last month.
On every phone
It's a web app that installs on your home screen from the browser, on Android and iPhone. English and Romanian.
Figures shown on this site belong to a fictional demo household.
Start next month with a plan.
Leave your email. We'll write when sign-up opens, with the founding price of €29 for the first year.