A financial system designed for human behavior. See the exact cause and effect of your spending. Progress is incremental. The patterns become clear as you go. No bank connections. Just your intentional inputs.
We combine behavioral psychology with precise mathematical models to help you build lasting financial self-efficacy.
Your inputs reflect your reality. We use simple, linear trend visualizations so you can see your trajectory clearly without being overwhelmed by flashy gamification.
Don't just track numbers. Align your budgets and savings to personal values like "Peace of Mind" or "Freedom" to keep engagement deeply rooted.
Adjust variables to instantly see the future impact of today's choices. See exactly when you'll be debt-free if you add just €50 more to your monthly payment.
Progress is incremental. Instead of punishing mistakes, the system highlights your consistency. Logging data for 6 days out of 7 is a massive win.
A built-in space to journal your thoughts. Noticing how you feel about a purchase or a goal helps neutralize impulse spending and solidifies new habits.
No algorithms making decisions for you. Every formula is exposed. No third-party data sharing. Your data is AES-256-GCM encrypted. You stay entirely in control.
Many of us hold the quiet belief that we are "just bad with money." Simple Money is built to break that schema. By making your spending patterns measurable and scaling decisions across time, the dashboard replaces emotional reactions with calm, structured calculation. The math makes your patterns visible.
Logging every transaction manually forces a conscious pause. Typing the number interrupts the impulse. Awareness is the prerequisite for discipline.
Uncertainty breeds stress. Knowing exactly when a debt will be paid off, down to the month, shifts your brain from panic to a state of execution.
The system shows you the patterns. It suggests the math. But you make the decisions. Small, consistent choices compound into massive lifelong change.
No bank connection required. The first transaction you record is the moment the pattern becomes visible.
Add your accounts and define your values. All data stays encrypted on your device. Establishing the truth of where you stand is the crucial first step.
Under 2 minutesRecord transactions as they happen. It takes seconds, but the act of recording actively builds your financial awareness and disrupts passive spending.
Under 30 seconds per entryReview your trajectory. Run the cause & effect simulator. Small, consistent decisions tend to compound over time.
Intentional growthThe free tier is genuinely useful. Upgrade only when the math shows you it is worth it.
The first transaction you log is the moment your financial pattern becomes clear. Progress is incremental, and you have exactly what it takes. Free to start, no bank link.
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