Financial education. Not financial advice.
Make a plan for your money. And get out from under the cloud.
You are not bad with money. You're learning a skill most people were never taught.
Start free Take the 30-second quiz
No card to start. No bank login. $6.99 a month if you want Plus, and you can cancel from your account.
What you see each day · example figures
September
$550 under
In$4,200 Out$3,650 Saved$300
Needs $2,410 · Wants $1,24014 days left
Cash covers about 5 weeks of needs · Card paid off by June 2027
What you can count on
No bank login
You upload a file you downloaded yourself. We never see your bank password.
We don't sell your information
Not to advertisers, not to anyone. The files you upload are deleted within 24 hours.
Nobody earns a commission
Education, not advice. There's nothing here to sell you except the app.
The price is on this page
Free is free for good. Plus is $6.99 a month or $69.99 a year.
Cancel from your account
No phone call, no email to send. Stop paying and you get 30 days' warning and a full export first.
Your data leaves with you
Export everything any time, on the free plan too. Close your account and it's deleted.
How it works
From what you actually spent, to what to do with what's left over.
1
Learn about your past spending habits
We sort your real transactions, merchant by merchant.
2
Learn how budgeting really works
We teach the strategies, and which one fits your month.
3
Build your own budget
You set every number, off what your months really cost.
4
Turn what you want into a number
A goal is a thing, an amount and a date.
5
Learn retirement and investing
What the accounts are, what goes in them, what time does.
The whole class, from zero
43 lessons across eight tracks. It starts at what a transaction is. It ends with you working out what Future You will need.
1
Foundations
What money is for. What a transaction is. The four things a dollar can ever do. Free, all of it.
2
Why money grows, and why debt gets expensive
Interest, working for you and against you.
3
Credit cards without the shame spiral
What a card is, what a score is made of, and whether you want one.
4
Your financial safety net
What an emergency fund is for, how much of one, and where to keep it.
5
Where do I put money?
Checking, savings, the account that pays you more, the ones for retirement.
6
What do I actually invest in?
Stocks, bonds, and the funds that hold hundreds at once.
7
Am I saving enough for retirement?
Where the income comes from, and the calculator run against your own numbers.
8
Should I buy a house?
Renting versus buying, what a mortgage is, and what the question is really asking.
Who it's for
You were never taught this
Nobody sat you down. That's the gap this fills.
You've been avoiding the login screen
Looking on purpose, once, is the hard part.
You tried an app and bounced off it
It wanted you to already know this. We start before that.
You handle the money now
Moved out, split up, got the promotion. Same standing start.
Your money goes faster than you planned
Today leads with the month: in, out, and what's left.
Spending anything feels hard
Today leads with what you've saved, and one thing you spent on purpose.
What it costs
Working out where your money went is free, all of it. That part isn't a trial.
Free
$0 for good
- 2 savings goals
- Your accounts, duplicate-checked
- The full walkthrough and sorting
- Needs vs wants, budget, cash flow
- 3 months of detailed history
- 10 sorting rules
- Export any time. It's yours
Plus
$6.99 a month, or $69.99 a year
- Everything in Free
- Up to 10 savings goals
- Net worth, with a payoff date on every debt
- Saved budget scenarios
- All 43 lessons
- 24 months of history, no rule limit
Start free, upgrade when you want
Cancel from your account. Stop paying and you get 30 days' warning and a full export first.
Why this exists
Nobody should have to hand their money to somebody else to understand it.
Most of us are scared of it. Most of us were never taught. That is the entire job here, and it's why the deciding always stays yours.
Questions
How is this different from every other budgeting app?
Most of them hand you a pie chart and assume you can read it. This one teaches you what's in the chart, using your own numbers. Then the deciding is yours.
How do you know what I should be spending?
We work out what a normal month has been costing you, bill by bill. You pick the number you want to live on from there. It's your month.
Do I have to connect my bank?
No. You upload a file you downloaded yourself, and there's no login to hand over.
What am I downloading from my bank?
A CSV, which is a plain list of your transactions. Look for "export", "download" or "statement". We walk you through it, and we catch anything that arrives twice.
What if I don't know what any of this means?
That's the assumption we started from. Nothing here expects you to know it already, and every question can be skipped.
How do I cancel Plus?
From your account page, any time. No call and no email. Your data stays yours either way, and you can export it before or after.
Can I get my data back out?
Any time, on the free plan too.
Is this financial advice?
No. General financial education. We're not advisors and nothing here is a recommendation about your money.
Don't leave this one to somebody else.
No card. Take one step and stop wherever you want. It'll be where you left it.