Personal finance, monitored

Know where your money goes.
Know where you’re heading.

Track your finances, monitor your monthly and yearly health, see where you’re heading, and get personalised recommendations on what to do next.

Free to start · No card required

Check your Financial Health

This month’s health

72/ 100Watch

You’re doing well so far, but €900 of fixed costs are still expected this month.

Cash flow

+€412

Savings rate

18%

Budget pace

71% used

60% of month passed

Projected month-end

€380 remaining

Personalised recommendation

Dining is currently ahead of pace. Reducing discretionary spending by approximately €55 this week would bring your month back on track.

  • Personal + household
  • Monthly health monitoring
  • Forecasting
  • Personalised recommendations

How do you want to start?

Start tracking

Build your financial picture

Track your finances and unlock continuous health monitoring, forecasts and personalised recommendations.

Start free

Free · About 2 minutes

How healthy are your finances?

Get an initial Financial Health Score and see what deserves your attention.

78 / 100

Check my health

No sign-up

Explore before you join

Navigate a complete sample account and see the real product in action.

Recent transactions

  • Albert HeijnGroceries€64.30
  • NSTransport€39.00
  • Coffee CompanyDining€4.20

View all →

Open live demo

More than expense tracking.

Expenses Report turns financial activity into an ongoing picture of where you stand, where you’re heading and what deserves your attention.

  1. 01Track

    Know what happened.

    • Transactions
    • Accounts
    • Categories
    • Budgets
    • Household spending

    Recent transactions

    • Albert HeijnGroceries€64.30
    • NSTransport€39.00
    • Coffee CompanyDining€4.20

    View all →

  2. 02Monitor

    Know how you’re doing.

    • Monthly Health Score
    • Yearly Health Score
    • Cash flow
    • Budget pace
    • Savings progress

    This month

    72Watch

    72 / 100 — scored while the month is still running.

  3. 03Forecast

    Know where you’re heading.

    • Expected costs
    • Projected spending
    • Projected leftover
    • Savings projections

    Projected month-end

    Income remaining
    €1,240
    Expected costs
    −€860
    Projected leftover
    €380

    On track

  4. 04Act

    Know what to do next.

    • Personalised recommendations
    • Warnings
    • Opportunities
    • Financial priorities

    Dining is currently projected to finish €70 above budget.

    Reducing discretionary spending by approximately €18 per week would bring the category back within target.

    View recommendation →

Continuous monitoring

See how your month and year are progressing.

Expenses Report continuously evaluates your cash flow, savings, budget pace and expected outcome while there is still time to act.

Switch between monthly and yearly health to understand both today’s position and the direction of your wider financial year.

See how monitoring works

September

Day 9 of 30

Continuously updated
72Watch

Your month is healthy overall, but everyday spending is running ahead of pace.

Cash flow+€412Good
Savings rate18%Healthy
Budget pace71% · 60% elapsedWatch
Projected month-end€380 remaining
71%Budget used
60%Month elapsed

Slightly ahead of spending pace

Context matters.

Spending €1,500 on the 5th of the month means something very different from spending €1,500 on the 25th. Expenses Report considers timing, expected costs and current pace before assessing how your month is going.

Look ahead

See the month before it ends.

See my projections

Today · September 9

Current available money€1,240
Remaining expected costs−€860

Projected month end

€380 remaining

On track

  • Dining€520€450 budget · €70 over
  • Groceries€385€420 budget · €35 under
  • Savings€610€700 target · €90 short

Personalised for you

Know what deserves your attention.

Expenses Report combines your spending, score and projections into recommendations based on your actual financial situation.

You’re €74 ahead of your usual spending pace. Reducing discretionary spending by about €55 this week would put the month back on track.

View spending

Powered by personalised AI analysis. Every recommendation is specific, quantified and explains the numbers behind it.

Free 2-minute check

How healthy are your finances?

Answer a few questions and get an initial Financial Health Score showing where you stand and what deserves attention.

A standalone initial assessment — separate from the ongoing monthly and yearly monitoring you get inside the app.

Check my Financial Health
78Healthy

Initial Financial Health Score

out of 100

Savings rate82
Essentials balance74
Housing load61
  • About 2 minutes
  • No bank connection required
  • Free initial score

Your money.
Shared when you choose.

  • Keep personal expenses private
  • Share only what belongs to the household
  • See who paid what
  • Switch between Mine and Household
Create your household

My finances

€2,060

Private

Maya

€1,782

Private

Household

€2,430 shared

Your month, explained.

Get a concise analysis of what worked, what didn’t and what you should consider changing.

Get my first report

Dining

14% higher than last month

You’re currently spending faster than your normal monthly pace.

Keep dining below approximately €90 for the rest of the month to stay near your normal range.

Based on your actual transactions and selected period.

Your financial data stays yours.

  • Private by default
  • Household sharing is explicit
  • Export or delete your data
  • We don’t sell your spending data
Privacy & Security

How it works

  1. 1

    Add your accounts

    Create the accounts you use and set your categories and budgets.

  2. 2

    Record your money

    Add transactions manually or import a statement file from your bank.

  3. 3

    Watch your month

    Your score, projections and recommendations update as the month unfolds.

Learn as you go.

Practical guides on budgeting, savings rates and understanding your own numbers.

Read the blog

Know how you’re doing.
Before the month is over.

Start tracking your finances, monitor your health and get personalised recommendations while there’s still time to change the outcome.

Start for freeExplore live demo
Check my Financial Health

Free to start · No card required