Everything you need.
Nothing you don't.
All the tools to build real money habits, tracked by hand, private by default, and free forever. No spreadsheets, no jargon, no 40-tab setup.
Log every dollar, deliberately
Unlimited transactions and accounts, organised your way. The few seconds it takes to type each one is where the awareness is built.
Unlimited transactions & accounts
Banks, cards, cash, investments, track as many as you need, all in one place.
Smart categories
Use the defaults or build your own. Everything adapts to how you actually spend.
Recurring transactions
Set up subscriptions, bills, salary and transfers once, they track themselves.
Never miss a payment
Smart reminders for bills and upcoming transactions keep you ahead of due dates.
Give every month a plan
Set limits by category and watch them fill up in real time. Simple enough to set in seconds, smart enough to keep you honest.
One-click setup
Create a monthly budget in seconds, we estimate your income from last month for you.
Visual spending tracker
An interactive donut and colour-coded bars show exactly where you stand at a glance.
Auto-rollover
Your budget rolls into the next month automatically, same categories, fresh tracking.
12-month history
Review the past year, spot the patterns, and adjust your habits with real evidence.
Reach milestones, earn XP
Set targets, watch progress update itself, and level up as the habit sticks. Logging, budgeting and hitting goals all earn XP.
Flexible goals
Save-up or spend-less goals, one-off or recurring weekly, monthly or yearly.
Automatic progress
Link categories to a goal and progress updates as you log, no manual maths.
Milestones & achievements
Unlock rewards at 50%, 75% and 100%. Small wins that keep you coming back.
Levels that climb
Consistent tracking pushes your level up. Your habit, made visible.
Watch your wealth grow
Stocks, mutual funds and ETFs in one unified portfolio, with the analytics to make sense of it.
Multi-asset portfolio
Monitor every holding across asset types in one dashboard.
Buy/sell history
Keep a full record of transactions per stock, all in your control.
Performance analytics
Returns, allocation breakdowns and trends to inform your next move.
Multi-currency
Track international holdings with automatic conversion, built for global portfolios.
Understand your money
Clear analytics that turn your logged entries into patterns you can actually act on.
Net worth dashboard
Accounts and investments combined into one true number, currency-adjusted.
Category breakdowns
Visual breakdowns of where money goes, with trends over time.
Period reports
View by day, week, month or year and compare periods to spot what changed.
Transaction trends
Surface spending and income patterns so decisions are based on data, not guesswork.
Your data, your device only
Zero-knowledge encryption, offline-first, and full export. We can't see your numbers, and there's no lock-in if you ever leave.
Zero-knowledge encryption
AES-256 with PBKDF2, encrypted locally before storage. Your password never leaves your device.
Works fully offline
All data lives in encrypted local storage. Track on a flight, underground, anywhere.
Export & backup anytime
Encrypted backups and CSV export. Restore on any device, no vendor lock-in.
Privacy mode
Hide amounts with one tap. Check your finances in public without showing the numbers.
All of it, free forever.
Every feature above is in the free core. Start the habit in about two minutes.