Personal finance in 2026 is more apps, not more clarity. Every product fixes one slice — and leaves you to assemble the whole.
In people's own words. Ask anyone who manages money across several apps and the same four come up.
Five tabs, broken formulas, a CSV import you've been putting off since March.
Charges you forgot you authorised. Free trials that quietly went paid.
Bank app for cash. Broker app for stocks. Exchange app for crypto. None of them talk.
You sense you should rebalance. Or save more. Or harvest losses. But nobody tells you when.
Click any tab to swap the screen — a preview of the app you get after signing up.
Illustration of the Dashboard with sample data: a net worth of €124,500, cash flow, month-to-date spending and savings rate, a 12-month net-worth chart, allocation across stocks, crypto and cash, and recent transactions.
Your first 30 days include everything below, Gold features too.
Authenticator-app codes with backup codes, plus a fresh check before exports, bank changes and password changes.
Ask about your own money: where it goes, whether you're on track for a goal, how spending is trending. She reads your accounts, budgets, goals and holdings. She won't hand out stock tips.
After each bank sync, recurring payments you haven't tracked show up as suggestions. Add one in a click, dismiss it for good, or snooze for a week.
Invite up to 5 people. Every account starts private and only its owner can share it. Stocks and crypto show as one total per person, never position by position.
Invoices with pay-now links, quotes, retainers and stock. The Tax Vault sets aside ДДС, income tax and social security, with Bulgarian filing deadlines.
Backtest a mix over 50 years, stress-test it against 2008 and COVID, and run Monte Carlo odds of reaching your goals before you commit real money.
Seven specialist AI agents research a stock, from insider trades and earnings calls to macro, valuation and news sentiment. A final agent writes the thesis with a conviction score and 12-month target.
Enter what you owe, the rate and the minimum. Choose avalanche or snowball and see your debt-free date and total interest, recalculated as you type.
Photograph one or more receipts. AI reads the items, amounts and dates into a form you check before saving.
Read-only links to your banks, brokers and wallets. Bank-grade encryption, and your bank login never reaches us. Banks connect through Iris and Salt Edge; Trading 212, Interactive Brokers and Binance cover your investments.
AP scans as much history as your bank shares (up to two years), spots recurring payments you aren't tracking yet, flags weird charges, and rebuilds your real net worth — to the cent.
We measure how concentrated and how volatile your portfolio is, and show what's healthy and what deserves a closer look.
Project Oracle researches one stock at a time with seven specialist AI agents: insider trades, earnings calls and press releases, macro, valuation, US Congress trades, news sentiment and technicals. A final agent writes the report — a conviction score out of 100, a 12-month price target, the thesis, catalysts and risks.
Track your progress month by month. Habits beat heroics — small monthly nudges that compound over years.
Cancel anytime — your plan stays active until the end of the period you paid for.
Automate your tracking and see exactly where your money goes.
One view of your whole portfolio: banks, brokers and crypto together.
Institutional-style AI analysis on top of everything in Silver.
| Feature | Free | Bronze | Silver Most popular | Gold |
|---|---|---|---|---|
| Core | ||||
| Manual accounts & transactions | Included | Included | Included | Included |
| Net worth tracker | Included | Included | Included | Included |
| Budgets, bills & goals | Included | Included | Included | Included |
| English / Bulgarian · EUR, BGN, USD | Included | Included | Included | Included |
| Banking & business | ||||
| Bank connections | Not included | 1 | 2 | Unlimited |
| CSV import | Not included | Included | Included | Included |
| Household sharing | Not included | Included | Included | Included |
| Business section | Not included | Included | Included | Included |
| Investing | ||||
| Broker & crypto sync | Not included | Not included | Included | Included |
| Real-time market data | Not included | Not included | Included | Included |
| Portfolio Builder & backtests | Not included | Not included | Not included | Included |
| AI portfolio optimisation | Not included | Not included | Not included | Included |
| Project Oracle (8 AI agents) | Not included | Not included | Not included | Included |
| Insider trading alerts | Not included | Not included | Not included | Included |
| AI | ||||
| AI assistant Tsveti | Not included | 5/day | 15/day | 30/day |
| App help chat | Included | Included | Included | Included |
| Support | ||||
| Support tickets | Included | Included | Included | Included |
| Priority support | Not included | Not included | Included | Included |
| VIP support | Not included | Not included | Not included | Included |
Drag the sliders. Numbers update live — including the hidden costs we usually catch.
Assumes 7% net APR · monthly compounding · one month's income sitting idle in a 0% account · ~1.6 forgotten subscriptions at €14.99/month. Indicative, not advice.
A dashboard that touches every account is a juicy target. We engineered AP so even we can't hurt you.
AP can never move funds. Bank connections grant balance and transaction visibility only.
Bank and broker credentials and your personal details are encrypted at rest; every connection is encrypted in transit.
Bank links go through Iris, with Salt Edge as a fallback. We never see your bank login.
Servers in the EU. Download a full backup of your data or delete your account whenever you like.
No ad networks, no data brokers. You are the customer, full stop.
Authenticator-app codes with backup codes, plus a fresh check before exports, bank changes and password changes.
No vapourware. Every quarter ships, slips, or gets killed — visible to you. Pick a year to see its quarters.
The brains of the operation. Translates complex financial models into actionable AI insights.
The architectural mind behind the platform. Ensures stability, scalability, and seamless deployment.
30 days of full Gold access, free. No card required. Then continue from €5.99/mo, or keep tracking manually for free.
Questions, feedback, partnerships — we read every message and reply ourselves.
Pick the channel that suits you. Already have an account? You can also open a support ticket from inside the app.
