Know where your money goes.
One ledger for every account and currency you use. Track spending, bills and savings goals for yourself, or invoices, fees and cash flow for your business, and ask an advisor that answers from your own numbers.
No card needed to start. Export everything to CSV whenever you want.
| Entry | Original | USD | |
|---|---|---|---|
Salary Northwind GmbH (Bank) +€3,200.00 | +€3,200.00 | +$3,456.00 | |
Rent Standing order (Bank) −$1,450.00 | −$1,450.00 | -$1,450.00 | |
From Mum Mobile money (M-PESA SMS) +KES 6,500 | +KES 6,500 | +$50.39 | |
Groceries Card payment (Card) −$186.20 | −$186.20 | -$186.20 | |
Streaming Subscription · renews 14th (Card) −$15.49 | −$15.49 | -$15.49 | |
| Left this month | Left this month | $1,854.70 | |
Works with the money you use
Pick your main currency at signup. Every amount converts for your totals.
- KenyaKES
- NigeriaNGN
- South AfricaZAR
- UgandaUGX
- TanzaniaTZS
- GhanaGHS
- RwandaRWF
- United KingdomGBP
- GermanyEUR
- FranceEUR
- United StatesUSD
- CanadaCAD
- United Arab EmiratesAED
- IndiaINR
- AustraliaAUD
- and many more
Built for your own money and for the business you run
Same account, same ledger. Choose what comes first when you sign up, and switch any time. See everything we offer
For your own money
See what came in, what went out and what is coming up, across every account you hold.
- Budgets that keep up
- Set limits by category and see how much is left before the month ends, not after.
- Bills and subscriptions
- Every recurring payment in one list, with reminders before they renew.
- Savings goals
- Put a target and a date on it. PayFlowPilot shows whether you are on track.
- Investments in context
- Holdings sit next to your cash flow, so you can see what you can afford to put away.
For your business
Books your accountant can work with, kept current as payments arrive.
- Invoices and receivables
- Issue invoices, record payments against them and see who still owes you.
- A ledger that checks itself
- Duplicate receipts, missing references and uncategorised payments are flagged the day they happen.
- Fees, totalled
- See what bank, card and mobile-money charges take from you each month, by account.
- Accounting reports
- Trial balance, profit and loss, balance sheet and cash flow, built from the same ledger.
How it works
Bring in your money
Add your accounts in any currency. Record transactions on the web, or let the mobile app capture bank and mobile-money SMS such as M-PESA.
See it in one currency
Everything converts to your main currency with current exchange rates, so totals, budgets and reports add up.
Act on it
Pay the bill before it is late, chase the unpaid invoice, move money to the goal. The advisor tells you which matters most this week.
Included in every account
- Multi-currency by default
- Hold accounts in dollars, euros, pounds, shillings and more. Amounts keep their original currency and convert for totals.
- An advisor that reads your books
- Ask "will I run short before month end?" and get an answer from your own records, with the numbers it used.
- Fraud and duplicate checks
- Unusual payments and repeated receipts are flagged for review instead of slipping through.
- Your data leaves when you do
- Export the full ledger to CSV or JSON at any time. No lock-in.
Simple monthly plans
Every account starts with a 7-day free trial of the paid features. No card is needed to start.
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Start 7-day free trialQuestions people ask
Which countries and currencies does it work in?
Anywhere. Pick your main currency at signup and add accounts in any other currency; totals convert with current exchange rates.
Is it for me or for my business?
Both. Choose personal or business when you sign up and the app puts the right tools first. You can switch in Settings, and every feature stays available.
Do I have to connect my bank account?
No. You can start by recording transactions yourself or importing them from SMS with the mobile app. Direct bank sync is coming soon and is optional.
Does it work with M-PESA and other mobile money?
Yes. Add a mobile-money account like any other account. The mobile app can read M-PESA and bank SMS and record the transactions for you.
How do transactions get in?
Record them on the web, import them from bank and mobile-money SMS with the mobile app, or create them from invoices and bills. Direct bank sync is coming soon.
What happens after the 7-day trial?
Choose a monthly plan to keep the paid features. The pricing page shows the price you are charged and, outside its home market, an approximate US dollar amount.
Can my accountant use it?
Yes. Export the ledger, or share the accounting reports. Business plans include a team workspace.
Is my data safe?
Your workspace is private to your account and the people you invite. Everything travels over encrypted connections (HTTPS), passwords are never stored in readable form, and you can export or take your data with you at any time.
How do I get help?
Send us a message from the contact page or email [email protected]. A person reads every message, and we usually reply within one working day.
Is the advisor giving financial advice?
It gives educational planning support based on your own records. It does not give regulated investment, tax or legal advice.
Still have a question? Send us a message and a person will reply.
Add one account and this month's spending. You will see where it went in a few minutes.
Start 7-day free trial