Budgets that bend instead of breaking

Every budget is either a hard number — €120 a month for fuel — or a percentage of the income recorded in that period. Set housing at 30%, groceries at 15% and savings at 20%, and the targets move with your earnings instead of quietly going stale.

This is the difference that matters for freelancers, contractors, commission earners, seasonal workers and anyone whose payslip is not the same number twelve times a year. A budgeting app that assumes a fixed salary makes you re-plan every January; one that works in percentages re-plans itself.

Budgets can be for spending or for saving, and can run once or per day, week, month, quarter or year — so a yearly insurance premium and a weekly grocery allowance can coexist without one being faked as the other.

There is no bank aggregation, deliberately. Nothing to reconnect when a bank changes its API, no credentials sitting with an aggregator, no charges landing in the wrong category to be untangled on a Sunday. The trade-off is that you type your expenses — and the payoff, beyond privacy, is that you actually notice what you are spending.

To keep that from becoming a chore, recurring expenses get pinned as quick buttons: the morning coffee, the weekly shop, the tank of fuel, the electricity bill. Tap, confirm, saved. Most days' logging is two taps per entry.

Expenses are organized along the axes you care about, not a fixed hierarchy someone else chose:

• Categories — what the money was for, with your own names and icons;
• Accounts — cash, current accounts, cards, each in its own currency;
• Payees — who you paid, so you can see the year's total at one shop or garage;
• Projects — a renovation, a trip, a house move: costs that cut across categories;
• Vehicles — every fuel and service entry, doubling as a category-level spend.

A new user account starts with sensible defaults already in place, so the first useful entry takes a minute rather than an afternoon of setup.

Pick any currency as your base and record transactions in any other. On the paid plan a back-dated foreign transaction converts at the exchange rate from the day it happened, not today's — and charts recompute each entry against its period-accurate rate, so a volatile currency doesn't quietly rewrite your history every time you open the app. Most apps get this wrong; it's invisible until the year you spend a lot abroad.

The dashboard is a grid of widgets you arrange yourself, and the arrangement is stored per device. A phone that is mostly used for logging can show quick-entry buttons and this month's remaining budget; a laptop used for review can show charts, category breakdowns and vehicle running costs. Same data, different screen, no compromise layout.

Read about the vehicle side, see which devices it runs on, browse the FAQ, or compare with YNAB and other budgeting apps.