Make finance tolerable.
We take the scary out of spreadsheets and finance.
Import your bank transactions and see where your money actually goes — clearly, without judgment — then find a path forward. No bank login. No server. Your financial data never leaves your account.
| Category | Apr | May | Jun | Year |
|---|---|---|---|---|
| Salary | 4,600 | 4,600 | 4,600 | 27,600 |
| Housing | 1,450 | 1,450 | 1,450 | 8,700 |
| Groceries | 520 | 590 | 515 | 3,230 |
| Interest Paid | 157 | 160 | 158 | 960 |
| Card Balance Change | −243 | +120 | −80 | +312 |
| Savings Rate | 46% | 43% | 46% | 45% |
See where your money actually goes.
The honest half of the mission — clear summaries, your own categories, no scolding. Free forever.
Your whole year, one honest grid.
Every category by month, with the cash story spelled out below — including two lines most apps hide.
- Interest Paid — what your cards actually charged you
- Card Balance Change — did the debt grow or shrink this month
- Savings Rate — the number that matters, front and center
Your money, in your own words.
Name, color, and group categories however you think about them. Import a statement by dropping it on its account — no bank connection, ever.
- Drag-and-drop CSV import with duplicate detection
- Your categories, your colors — synced to every sheet
- Uncategorized rows stay honest, never guessed
Interest Paid
What your cards charged you — the cost the statement buries.
Card Balance Change
Grew or shrank your card debt this period. Red up, green down.
Savings Rate
The one metric that tells you if it's working — free, on every summary.
See what your debt is really costing you.
Most people see the monthly payment. We show the whole picture — a game with two moves: raise the green line, clear the red above it.
The spread you couldn't see.
Your blended borrowing rate against what your money earns invested. When red rides above green, that gap is quietly compounding against you — and now you can watch it close.
- Blended borrow rate + the real dollars it costs
- Over-time line and a by-debt view, swappable
- A neutral tool — it shows the spread, never advises
Which debt is actually expensive?
Every debt as a rate against what your money earns. The card towers over the line; the mortgage sits comfortably below it. No blended average hiding the real problem.
- Credit-card utilization, live
- Interest vs. equity on every loan payment
- Standard rates for homes and cars, your own for investments
Turn awareness into momentum.
Net Worth
What you own minus what you owe — with history and a trend line.
Payoff Pathway
A guided journey with milestones and a real projected debt-free date.
What's Ahead
Bills before payday, then what's genuinely unspoken-for. Never a forecast.
Feel good about where you're going.
Net worth, payoff, goals, and the full dashboard — momentum you can actually see.
Every debt you clear, celebrated.
Pick snowball, avalanche, or your own order. Watch net worth climb and milestones fall — the whole picture on one dashboard.
- Snowball / avalanche / custom payoff plans
- Milestones and a celebration at every payoff
- Needs / Wants / Savings buckets, your targets
Save toward what matters.
Opt-in goals with live progress — set the target, link an account, and watch it fill. No pressure, just a picture of getting there.
- Link any account; progress updates itself
- Sankey income-flow diagrams to see it all move
- Dark theme, multi-currency, and more
Start free. Upgrade when you're ready.
See where your money goes today. Unlock the path forward — net worth, payoff, and the cost of your debt — whenever it's worth it to you.