For iPhone · Free · No account
Where your money is heading.
Tell it what you have, earn and spend. It draws your net worth month by month — one month out to ten years.
All on your phone. No account, no server. And it never flatters the number: a falling line is drawn falling.
Net worth today
$0
Touch the line for any month
Example numbers, not yours. The position the app opens with: six accounts, three currencies, a car loan, a pension locked until sixty. Change the numbers →
Readings, not advice.
Every figure traces back to something you typed — and the app shows you where it came from.
- Transaction tracking
- Bank connections
- Receipts to file
- Categories to maintain
Balances and monthly totals in. Change any assumption in two taps, and watch the line move.
- Net worth today, and at the horizon
- One month to ten years. Change it, the line redraws. Drag across the chart to read any month.
- Breakdown
- What each month is made of: money in, money out, growth, interest and dividends, and anything you have planned.
- Runway
- How long your money lasts if income stops. Locked money, like a pension, sits out of this one — you could not spend it.
- Target
- Name an amount and a date. See what it takes: save more monthly, or earn more a year. One lever at a time, never both.
- What moves the line
- Which assumption moves the line most, and by how much. Which one is easiest to move is yours to judge.
- Currency exposure
- What your position looks like if one currency moves against another.
How it handles money.
Four rules the engine keeps, whatever you enter. They are why the line can be trusted.
Balances keep their currency.
Held in GBP, DKK or anything else on the list, and translated only when shown — so you read it in the currency you think in.
Updates keep the old balance.
Every update is a new entry, never an edit. Your history stays intact, so you can see how old projections held up.
Savings earn nothing unless you say so.
Cash accumulates as cash. Returns apply only to accounts you mark invested, and interest pays out as cash unless you say otherwise.
A falling line is drawn falling.
Spend more than you earn and the line goes down. Never clamped at zero, never smoothed, never softened.
Nothing leaves your phone.
No account, no sign-up. Balances, account names and projections live only on your iPhone, encrypted while it is locked.
- No trackingNo analytics, no advertising, no third-party SDKs. The app has no server of its own.
- One optional requestDaily exchange rates, off until you turn it on. It sends a three-letter currency code — never a balance, amount, account name or category.
- Yours to takeExport everything, any time, including an encrypted backup only your passphrase opens.
- Yours to deleteDelete the app and it is all gone. The database lives inside it.
The quickest check
Try it in Airplane Mode.
Switch the radio off and use all of it: accounts, projection, breakdown, targets, history, export. Nothing needs a network.
Every screen is one tap away.
Projection, Target, Accounts, Planned, Assumptions, History, Settings — all on one hub. Nothing buried, nothing locked.
Free, and nothing to sign up for.
Coming to the App Store for iPhone. Leave an address and you’ll hear from us once, on the day it’s out.