Budget to zero, gut-check every purchase, and watch your dreams get funded - in plain, unfiltered English.
Zero-based budgeting: assign your income down to $0. Income comes from what you log in Transactions - log a paycheck first, then give every dollar a job here.
Set your paycheck and fixed bills once. They post automatically each month so your plan and net worth stay current without you lifting a finger.
The quiet ones. Small, monthly, automatic - which is exactly why they never get questioned. Tap what you actually pay for, put the real monthly cost in, and see what a year of it costs. Nothing here judges you; a membership you use and love is money well spent. The point is knowing which ones those are.
Every paycheck, every purchase. This is the truth your budget is measured against.
Drop in a statement export and skip the manual typing. It is parsed entirely on your device - nothing is uploaded, nothing leaves the browser.
Money isn't the only thing you invest. Everyone gets the same 168 hours a week - some you sell to work, some you invest in yourself (health, learning, building, people), and some just leak into the screen. Where the hours go decides what the dollars can do next year.
Marketing, algorithms, status buys, convenience markups - they're engineered to strip your freedom. Scan what's tempting you and see the trap for what it is, priced in the one thing you can't get back: hours of your life. Set your wage in Settings for exact hours.
Not sure? Lock the target in for 24 hours. The urge fades, the trap dies, and the ransom option only unlocks once the timer runs out. Most traps don't survive the wait.
Every trap you neutralize is money - and hours of your life - that stayed yours. This is the proof.
List what you owe, set what you can throw at it each month, and see the fastest, cheapest way out - with the interest priced in hours of your life.
Paying off debt earns a guaranteed return equal to its rate. Investing might earn more - but it's not guaranteed. Here's the honest comparison of aiming that same money at the market instead.
Your wealth layer. Net worth is open below; tap any section to expand it.
Everything else here is built from what you've logged. This is the one place you just state the truth: what's really sitting in each account today. It feeds your net worth and your runway, and it's how "savings" becomes an answerable question - how much is emergency money, how much is the kids'.
The real definition: an asset puts money IN your pocket. A liability takes money OUT. Not what you were sold - what's actually true. Net worth counts everything you'd walk away with, but only money-making assets are buying your freedom.
A budget with no dream behind it is just a spreadsheet. Name the thing. Put a number on it. Watch it get closer.
Courses, certs, tools, events - the spending that raises your earning ceiling. Log the cost and the extra you'd earn per hour, and I'll show the payback. This is offense, not consumption.
Money is energy. Hoarding stalls it; giving keeps it moving. Set a target, give on purpose, and watch it circulate. This isn't leftover money - it's a discipline of abundance.
The highest-yield asset is often a relationship. Track what you invest in people - a mentor lunch, a conference ticket, a strategic dinner - and rate the Return on Relationship so you can tell social investment from social noise.
Fake wealth looks rich and quietly drains you. Real wealth is silent and pays you. Here's which one you're actually building.
The techniques the "financially comfortable" already know. Plain English. No gatekeeping.
Where your money actually went in this month. Use the month arrows on the Plan tab to change the period.
Last 6 months. Green should be taller than red. Every single time.
Your running balance across everything you've tracked. The dream is up and to the right.
Money is energy. Tag your expenses and watch the ratio: capital flowing toward growth and giving vs. money leaking out of fear and scarcity. Tag spends as you log them on the Track tab.
This one number powers everything: hours-of-life on every purchase, Freedom Mode, and your runway. Set it once.
Your real rate isn't your paycheck ÷ hours. It's what's left after the job's hidden costs - the commute, the gas, the work lunches - spread over the time the job actually eats.
A lot of spending isn't about the thing - it's about a feeling, and buying is just the fastest button. Write down what actually helps you when money isn't the answer. Do it now, while you're calm; the app shows the list back to you inside every gut-check, exactly when the urge is loudest.
Not the one who pays the bills? Turn this on to drop the Four Walls and zero-based budgeting entirely. The home screen becomes your spending, your streak, and the gut-check - built for tracking your own purchases (Amazon, coffee, the random stuff), not running the household.
Sharing money with a partner? Turn this on to tag income by person and see a fair, income-proportional split of the essentials.
One blunt money prompt a week. Clarity straight to your inbox - nothing else.
Zero spam. Unsubscribe anytime. Your financial data stays 100% on this device - only your email is shared, and only with the newsletter provider.
Everything lives on this device. Nothing leaves it unless you turn on sync - and sync is encrypted before it goes.
Your data lives only in this browser, so clearing your cache or switching devices would wipe it. Save an encrypted backup file you can restore anywhere with your passphrase. The file is scrambled - useless to anyone without the phrase.
Guided mode unrolls advanced tools (offense, net worth, sovereignty) only as your Freedom Runway grows, so early on you see just the survival essentials. Switch to Show everything if you want every tool visible now.
How much mercy the app gives you. Clean is gentle, Savage pulls no punches - and the generation dial below sets the slang.