Public beta · Free · Built in Zürich

Know where every franc goes.

Budget Manager books your spending, keeps every account in step and shows where your money is heading, years before you get there. Encrypted on your device. Made for francs, not dollars.

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The dashboard on a phone: CHF 3,539.85 left this month

256-bit

AES encryption on your device. Your amounts are locked before they ever leave it.

30years

into the future, projected from what you really earn, spend and invest.

0

ads, trackers or third-party scripts in the app. Zero means zero.

2min

from sign-up to a finished budget. The wizard does the maths.

Most finance apps make you the bookkeeper. This one keeps the books for you. Bills book themselves on the day they're due, card payments land in the right category, and every franc ends up in the right account. You get the part that matters: deciding what to do next.

Automatic import

Pay as usual.
It's already in your budget.

Tap your card at the till. By the time you open the app, the payment is there: categorised, taken off the right account and counted against your budget.

Up to date on its own

No sync button, no monthly export. Open the app and yesterday's coffee is already in there.

Sorted for you

Coop goes to food, SBB to transport, Netflix to entertainment. You only step in when it guesses wrong.

Never counted twice

Already typed it in yourself? The app spots the match and holds the copy back.

Overview

Your whole financial life. One calm place.

01 Dashboard

Today, at a glance.

How much is left this month, how fast it's going, and what you can spend today without regretting it next week.

Dashboard on a phone

02 Budget

A budget that holds.

Put in your salary. Rent and health insurance get locked in first, the rest is shared out across your categories. Next month? One tap copies it over.

Budget wizard on a phone

03 Expenses

Tracking without the typing.

Bills book themselves on their due date and card payments arrive on their own. Got a bank statement? Drop in the CSV and it sorts itself.

Expense log on a phone

04 Accounts

Every account, always in sync.

Every expense comes off the account that paid for it. Salary in, transfers across, corrections on record. Balances you can actually trust.

Accounts on a phone

05 Investments

Your portfolio, live.

Stocks, ETFs and crypto at live prices. See your real return, measure any stretch of the chart and scroll back through your allocation.

Portfolio on a phone

06 Future

Decades ahead.

Your net worth 5 to 30 years out, worked out from your real numbers. With a range for good years and bad ones, and your Pillar 3a counted in.

Projection on a phone

Features

Built for how money really moves.

Every franc has a job.

Rent and insurance are covered first. What's left gets split up by category, and the wizard won't let you finish until it adds up to your salary, to the franc.

Safe to spend, today.

What's left, divided by the days left. Skip the takeaway today and tomorrow's number goes up.

Imports that sort themselves.

Export a CSV from e-banking and drop it in. Shops are recognised, categories filled in and doubles flagged before they count.

Bills that post themselves.

Rent on the 1st, health insurance on the 5th, your phone on the 12th. Each one is booked on the day, from the right account, without you lifting a finger.

A live portfolio.

Crypto, stocks and ETFs at today's prices, with the return you actually made.

Pillar 3a, built in.

Your tax-advantaged savings count in every forecast, just like they will later on.

Face ID and PIN.

Unlock with a glance. Your investments sit behind a PIN of their own.

Future

Drag a slider. Watch decades move.

Play with it here. In the app, the curve starts from your actual balances, salary and spending.

In 25 years, most likely

CHF 0

Somewhere between and , depending on the markets.

of it is your own money. The rest is growth.

Most likely Good years, bad years Your own money

TodayIn 25 years

Example with CHF 60'000 in a typical stock portfolio, ups and downs included. The range covers 8 out of 10 likely outcomes. Not financial advice.

Privacy

Your numbers.
Unreadable to anyone but you.

Switch on encryption and every amount is scrambled in your browser before it's saved. Our database only ever sees gibberish. The key is your passphrase, and it never leaves your device.

Decrypted on this deviceAES-256-GCM ciphertext
EntryAmount
SalaryCHF 7'200.00
RentCHF 1'980.00
GroceriesCHF 118.20
Savings accountCHF 15'000.00
ETF holdingsCHF 38'412.70

Encrypted on your device

AES-256-GCM, with a key built from your passphrase through 310'000 rounds of PBKDF2. That key stays on your device.

Walled off per account

Row-level security on every table. Even if someone signs in right next to you, the database won't hand over a single one of your rows.

Nothing else runs

The app loads its own code and nothing else. A strict security policy stops outside scripts, trackers and ads at the door.

How it works

Three steps. Then it runs itself.

  1. 1

    Set your budget

    Type in your salary. Fixed costs go in first, and the rest is shared out for you.

  2. 2

    Let it track

    Bills book themselves, card payments roll in and every expense finds its account.

  3. 3

    Watch the curve

    Month by month your history fills in, and the forecast shows where it leads.

Two minutes from now, you will know.

Free during the beta. No card needed, nothing tracked. It runs in any browser, and added to your Home Screen it feels like a native app.

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