Intentional Cashflow.
Anchored to Your Payday.
The calm personal finance workspace built for zero-based envelope budgeting, real-time safe-to-spend tracking, and multi-currency integer precision.
Payday Anchored: 1st of Month
Core Pillars
Built for Complete Cashflow Clarity
Everything you need to master your money without algorithmic guesswork or third-party bank friction.
Payday-Anchored Budgeting
Align envelope allocations directly with your paycheck schedule rather than standard calendar months.
Global Currency Engine
Seamless support for over 150 currencies with integer minor-unit arithmetic for 100% accuracy.
Snowball & Avalanche Payoff
Compare psychological win strategies vs. interest minimization algorithms side-by-side.
Commitments & Subscriptions
Track auto-renewing memberships and monthly fixed obligations before discretionary spending.
Inline Quick Log & Shortcuts
Use `N` keyboard shortcuts or inline fast entry to log income and expenses in seconds.
Zero Bank Scraping Privacy
No third-party bank aggregators, credential leaks, or broken sync connections. You control your data.