features

Spending, on purpose.
That's the app.

Grab a coffee and your statements. Once a month, that's it. You leave with clarity on where you stand and control over what changes next. Best twenty minutes your money gets.

month premium

One page. The whole month.

You never set up a budget. The app learns what's normal for you and tells you, in words, what changed this month.

The full Month page: 5,800 unspent this month, a day-by-day calendar, month bars against your usual, where it went.

sorting

Bank gibberish in. Your life out.

Thousands of cryptic lines become how you actually live: how often you eat out, where the money goes, what's landing on the card. An engine reads the mess and suggests; you say yes or no, and it never forgets a decision.

what your bank says
SQ *8841 ESPRESSO TOR ON −6.40
TST* NOODLE HSE 004 −23.85
PREAUTH PAYMENT 7712 −184.00
PAYPAL *M2KSUPPLY −41.17
E-TFR 000914 SENT −250.00
→
what you see
eating out, this month9× · $214
landing on the card$1,132
moved between your accountsnot spending
still unexplained2 lines

today premium

The one thing that needs you.

We ask for your attention, never your busywork. No typing in transactions, no reconciling balances. Ten seconds, and you know what actually needs you.

The Today page: this month so far, campaign cards, and the waiting-on-you column — a Klarna plan to define and 32 unplaced lines to sort.

debt premium

A date with a name.

All your cards and loans become one pile. You watch it step down to the month you're out, at the pace you set. It moves when you do.

Jun ’27

your data always free

Nothing watches you.

You never hand over a bank password. You're never the product. And you can pack up your whole ledger, or erase it, the minute you want.

no bank logins 🔒 masked merchants only your data = one file export anytime 👋

compared to what you know

We picked this fight on purpose

everything, concretely

What you can actually do

See the big picture

  • Import CSV or OFX files from any bank
  • Keep every account in one ledger
  • Transfers between your accounts pair up automatically
  • Watch history build, month after month

Sort with almost no effort

  • Teach a merchant once and it sticks
  • Let the engine draft categories; you approve
  • Keep payments and transfers out of spending
  • See leftovers waiting in one honest pile

Watch habits change

  • Set a ceiling on one category at a time
  • Compare each month to your own usual
  • Catch new borrowing the month it happens
  • Set goals with a number and a month

Keep your data yours

  • Sign up without a bank login
  • Export your whole ledger any time
  • Delete everything with one click
  • Pay us, so nobody else pays for you

Try everything. Free. No card.

See where your money goes 30 days of Premium · then $99/yr founding or $12.99/mo · the ledger stays free forever