Everything in the app, and which tier it is on.

Free has no time limit. Standard is $39 a year. Anything badged Standard needs the paid tier. Everything else is Free.

The Genie Standard

The Genie is the AI coach built into every screen. It knows the app the way the developer does, and it knows your numbers.

  • Ask "Walk me through setting up Runway" and it names the page, the button and the field, in order.
  • Ask "How does this month compare to last?" and it answers from your own data.
  • Ask in your own language. It answers in that language, including the steps. The app's screens and buttons stay in English.
  • It spots a transaction in the wrong category and offers the fix in chat. One click to confirm. Ten seconds to undo.
  • Talk instead of type, in English. Attach a CSV, PDF or image to a question.
  • When it names a page or a transaction, that is a live link.
  • Up to 50 questions a day.
AI Powered The Genie AI coach

Budget your way

Zero-based, envelope, 50/30/20, pay-yourself-first, or Runway. Switch methods or mix them. The app does not lock you into one.

  • Unlimited budgets: monthly, quarterly or yearly
  • Carry Forward: unused budget rolls into the next period
  • Progress bars on every budget
  • Overspending alerts
Budget tracking

Import statements. No bank login. Standard for unlimited and PDF

Download a statement from your bank and drop it in. Nothing connects to your bank. Nothing asks for your login.

  • One import on the Free tier: CSV, Excel, OFX or QFX
  • Unlimited imports and PDF statements on Standard, with 25+ bank presets Standard
  • Unknown CSV layout? The AI works out the columns, then remembers your bank for next time Standard
  • Category rules apply themselves on import Standard
  • Receipts, bills and invoices: a photo or a PDF, and the line items are read for you. Up to 100 receipts a month Standard
Import Bank statement import

One purchase, several budgets Standard

Split a transaction across budgets and each line lands where it belongs.

  • Split by amount, or by the items on the receipt
  • Each part counts against its own budget
  • The receipt's line items stay attached to the transaction
A receipt split across two budgets with its itemized lines

Your phone, without a cloud in the middle

Nothing syncs and nothing is stored anywhere but your computer. Your phone talks to the app over your own home network.

  • Switch on Home network access, scan the code, and the whole app opens on your phone or tablet
  • Snap a receipt on your phone at home and it lands in your inbox Standard
  • Snap one away from home and it waits on our relay until your desktop collects it, then it is deleted Standard
  • Set an App Lock password first. Anyone on your Wi-Fi who opens the app is otherwise signed in as you.
The app open on a phone over the home network

Runway: how much until payday Standard

See what you have to live on until the next paycheck, as a dollar figure and a dollars-per-day figure. Payday to payday, not month to month. Runway works alongside any budgeting method.

  • Living Money: your true spending cushion
  • $/Day for the current period
  • Auto-populates from bills, income and budgets
  • Generate several future periods
  • Credit card utilization with colour-coded warnings
  • Actual against planned, and a Living Money trend across periods
Runway cash flow planning

Transactions

Enter transactions by hand on any tier. Everything here is Free.

  • Filter and search on any field, including by account
  • Change the category or type of several transactions at once, or delete them
  • Find and remove duplicates from imports
  • Mark transfers between your own accounts so they do not count as spending
  • Close the year with a CSV export and a PDF summary
Transaction management

Bills

Track every recurring bill with a clear status: coming up, overdue, or paid.

  • Weekly, bi-weekly, monthly, quarterly or yearly
  • Coming-up and overdue alerts
  • Monthly-equivalent total
  • Payment history
  • A Private Information field for account numbers. Stored on your computer and never included in anything sent to the AI.
Bill tracking

Financial Health Score

One score from 0 to 100, built from your savings rate, debt-to-income ratio, emergency fund and expense ratio.

  • Six-month trend
  • Each ratio shown against its target
  • A plain recommendation when a ratio slips below target
Insights Financial Health Score

Goals

Set a savings goal, give it a date, and watch the bar fill.

  • Unlimited goals
  • Target dates
  • Progress bars
Financial goals

And So Much More...

Payment Calendar

Payment Calendar

All upcoming bills and income on one three-month calendar.

Financial Reports

Reports Standard

Income statement on every tier. Balance sheet, cash flow, tax summary and the Money Flow Sankey chart on Standard, with Excel export.

Category Management

Categories

Custom categories and subcategories with colours and icons. Mark Transfers or Card Payments as excluded from totals so money moving between your own accounts stops counting as spending.

Spending Analysis

Spending Analysis

Pie charts and month-over-month trends.

Financial Calculators

Financial Calculators

Loan payoff, credit card payoff, compound interest, and snowball against avalanche. All Free.

Currency Display

USD, EUR or GBP across every dashboard, report and transaction.

Several profiles on one install

Each person on the computer gets their own profile and their own data file.

Backup and restore

Back up from inside the app. Restore from inside the app, with a safety copy taken first.

Your money. Your computer. Your coach.

Free tier, no time limit. Standard is $39 a year.

Download Free