features — what the twenty minutes buy
Spending, on purpose.That’s the app.
Grab a coffee and your statements. Once a month, that’s it. You leave as the one who knows where you stand, and who decides what changes next.
Bank gibberish in.Your life out.
Thousands of cryptic lines become how you actually live. Lagom reads the mess and drafts the sorting; you say yes or no, and it never forgets a decision.
- Teach a merchant once. Every line like it sorts itself from then on.
- Transfers pair up. Money moving between your own accounts never counts as spending.
- One honest pile of leftovers. What isn’t sorted yet waits in one place, never hidden.
what your bank says
what you see
The sorting, on demo lines.
One page.The whole month.
You never set up a budget. Lagom learns what’s normal for you and tells you, in words, what changed this month.
- Needs and wants, apart. Rent never hides what eating out did.
- Your own usual is the yardstick. Each month is compared to your typical month, cut to the same day.
- The merchants that took the most. Named, with their share, so a pattern is one glance away.
3 merchants took 41% of the wants
The Month page, on demo figures.
The one thingthat needs you.
We ask for your attention, never your busywork. No typing in purchases, no matching balances by hand. One sentence, and only the cards that earned their place.
- Charges with no name. Store-billed repeats you forgot get named, or canceled.
- Subscriptions still charging. The ones you stopped using, priced by the year.
- Wins the ledger proves. Cancel something and Lagom shows the months it stopped.
One thing needs you: a charge with no name came back.
everything else is quiet.
Today, on demo figures. A quiet day is a nearly empty page.
A datewith a name.
If you carry a balance, every card and loan becomes one staircase. Set a monthly amount and watch it step down to the month you’re out. You set the amount, so the date is yours — and it moves when you do.
- Quick wins or least interest. Pick the order; the staircase re-sorts and every card shows the month it clears.
- Statements state the balance. No typing what the bank already printed.
- This month, beside the plan. What landed, what was charged, and the three habits behind it.
2,050 in interest along the way
The Debt page, on demo figures — a projection at the amount you set, never a promise.
Every dreamgets a month.
Name what you’re saving for and what it needs. Put them in order. Each one shows the month it becomes true at the amount you send.
- A rainy-day fund in days, not dollars. “30 days of enough” — what your essentials cost, priced from your own month.
- You set what goes to the future. What actually landed shows under it.
- When the debt ends, the money turns. Dates that lean on it say so.
May 2027 · +1,100 → 1,700
Future, on demo figures.
Nothing watches you. Nothing is sold.
You download statements yourself. Your passwords never touch Lagom.
When the engine drafts a category, only a masked merchant name leaves your ledger — never an amount, a balance, or an account number. Turn it off and nothing leaves.
Export it or delete it, any tier, any time. Both doors work on the free tier, forever.
We picked this fight on purpose.
Free, and the reason the balance is a year older.
Dies when willpower does. Rules don’t.
Holds your bank login, asks nothing, changes nothing, calls it clarity.
Genuinely good, if assigning every dollar is your religion. We’re for the people who quit it.
Prose, no ledger, the same conversation next month.
Everything, concretely.
See the whole picture
- Import QFX or OFX statements from your bank
- Every account in one ledger
- Transfers between your accounts pair up
- History that builds, month after month
Sort with almost no effort
- Teach a merchant once and it sticks
- The engine drafts; you approve
- Split one charge across categories
- Payments and transfers kept out of spending
Spend on what you love
- Each month against your own usual
- Subscriptions still charging, found
- Charges with no name, named
- New borrowing seen the month it happens
Fund what’s next
- A debt staircase with an end date
- A rainy-day fund in days of enough
- Dreams in your order, each with its month
- Export or delete everything, any time