Not a budgeting app. A diagnostic. In five minutes, see whether your current behavior is moving you toward your goals — or quietly delaying them by years.
Category-level spending — not transactions. One month for a snapshot, twelve for a behavior profile.
Score, bucket allocation vs healthy ranges, and per-category state: healthy, justified, harmful, or suspicious.
See your current goal date — and what changes to one or two categories would move it to.
Transport at 31% of net income is delaying your apartment goal by 4.2 years. Cutting flexible spending won't move the needle — fixed costs will.
Reducing transport to 18% and increasing investments by 5pp moves your apartment date five years earlier — without touching the discretionary spending you actually enjoy.