Clarity and Control
Through Mathematics.
A financial system designed for human behavior. See the exact cause and effect of your spending. Progress is incremental. The patterns become clear as you go. No bank connections. Just your intentional inputs.
50k+
Transactions logged
2min
Average setup time
30s
Per transaction entry
1m
Daily habit to build clarity
System Capabilities
A dashboard designed for human behavior.
We combine behavioral psychology with precise mathematical models to help you build lasting financial self-efficacy.
Cognitive Mirror
Your inputs reflect your reality. Simple linear trend visualizations let you see your trajectory clearly without being overwhelmed by flashy gamification.
Awareness precedes discipline.
Values-Driven Goals
Align your budgets and savings to personal values like "Peace of Mind" or "Freedom" to keep engagement deeply rooted in what matters to you.
Motivation > Arbitrary metrics
Cause and Effect Simulator
Adjust variables to instantly see the future impact of today's choices. See exactly when you'll be debt-free if you add just €50 more to your monthly payment.
Action = Measurable Outcome
Consistency Tracking
Progress is incremental. Instead of punishing mistakes, the system highlights your consistency. Logging data for 6 days out of 7 is a massive win.
Consistency Score = Days engaged / Target days
Debt Payoff Engine
Run snowball and avalanche side by side. See the payoff date and total interest for each strategy, down to the month.
Monthly interest = Balance × (APR / 12)
Radical Transparency
No algorithms making decisions for you. Every formula is exposed. No third-party data sharing. Your data is AES-256-GCM encrypted. You stay entirely in control.
Trust = Control over your own data
The Problem
Financial anxiety comes from a lack of clarity, not a lack of willpower.
Many of us hold the quiet belief that we are “just bad with money.” Simple Money is built to break that schema. By making your spending patterns measurable and scaling decisions across time, the dashboard replaces emotional reactions with calm, structured calculation. The math makes your patterns visible.
The friction is the feature
Logging every transaction manually forces a conscious pause. Typing the number interrupts the impulse. Awareness is the prerequisite for discipline.
Counter anxiety with exact math
Uncertainty breeds stress. Knowing exactly when a debt will be paid off, down to the month, shifts your brain from panic to a state of execution.
Focus on autonomy, not pressure
The system shows you the patterns. It suggests the math. But you make the decisions. Small, consistent choices compound into massive lifelong change.
Process
How it works
01
Set your baseline
Add your accounts and define your values. All data stays encrypted on your device. Establishing the truth of where you stand is the crucial first step.
Under 2 minutes02
Build the habit
Record transactions as they happen. It takes seconds, but the act of recording actively builds your financial awareness and disrupts passive spending.
Under 30 seconds per entry03
Reflect and observe
Review your trajectory. Run the cause and effect simulator. Small, consistent decisions tend to compound over time.
Intentional growthPricing
Straightforward pricing.
Free
no expiry
Enough to build the tracking habit. No card required.
- 50 transactions per month
- 1 bank account
- 5 custom categories
- Basic budgets
- 30-day analytics
Premium
per month
Full engine access for consistent financial tracking.
- Unlimited transactions
- Unlimited accounts
- All categories and tags
- Debt payoff calculators
- FIRE calculator
- Full reports and trends
- Recurring templates
- CSV export
Premium Yearly
per year, €6.58/mo (34% less)
Everything in Premium. One payment per year.
- Unlimited transactions
- Unlimited accounts
- All categories and tags
- Debt payoff calculators
- FIRE calculator
- Full reports and trends
- Recurring templates
- CSV export
Founders Lifetime
one-time, all future updates
Available to the first 200 users only. Pay once, never again.
- Unlimited transactions
- Unlimited accounts
- All categories and tags
- Debt payoff calculators
- FIRE calculator
- Full reports and trends
- Recurring templates
- CSV export
147 of 200 spots remaining
Claim Founders accessBegin your financial record today.
The first transaction you log is the moment your financial pattern becomes clear. Progress is incremental, and you have exactly what it takes. Free to start, no bank link.