MM: Household Finances

Most budgeting apps ask you to type in your life. This one reads your bank statement. Drop in a PDF or CSV from any bank in the world, as many at once as you like. Every transaction lands in the right category, the right currency and the right account. You just read the result. It proves itself before it imports anything Your statement prints an opening balance, a closing balance and its own totals. If the rows do not add up to all three, nothing is imported — and you are told which file, and why. A budget built on a half-read statement is worse than no budget at all. It learns once, and remembers Your own rules go first, then everything your household has filed before. Only what is genuinely new needs naming, and once named it is remembered. Several currencies, one honest answer Hold accounts in as many currencies as you like. Every amount is converted at the rate of the day it happened, from the European Central Bank's published figures — never at today's, and never rounded twice. The amount in its own currency is always kept beside the converted one, because only one of those two is the exact figure. It works with no signal Cash gets written down standing outside the bakery, which is exactly where the signal is worst. Everything you can change, you can change offline: the entry is saved on your phone, shown straight away, and sent the moment there is a connection. Nothing is ever dropped silently, and a total that is still waiting on the server says so rather than guessing. Shared, properly Invite whoever shares the money. Everybody sees the same budget, every transaction remembers whose it was, and one subscription covers the household rather than each person in it. The rest of it - Monthly limits, overall and per category. Soft caps: nothing is ever refused, you are told where you stand and left to decide. - Savings goals that fill in from a real account balance, in that account's currency. - Recurring payments found in your own history — rent, salary, the subscription you forgot — waiting to be confirmed before they become a transaction. - In against out over twelve months, what you are worth over time, and the categories that took the money. - Give each account its IBAN, and moving money between your own accounts stops looking like spending. - Bank sync across most of the European Economic Area, on the paid plans. - English and Hungarian, each person in their own language, with money still written the way it is written where it lives. - Export everything as CSV, on every plan. Built so we cannot read your statements A PDF or CSV is read on your own device. Only the transactions it found are sent on — never the file, and never a page of it nobody needed. Households are kept apart underneath the app rather than by each screen remembering to ask the right question. Payment happens on Stripe's own pages, and you authorise your bank on your bank's own site, so neither your card nor your bank password is ever ours to lose. The free plan is paid for by adverts that sit beside your budget without being given anything from it: no amounts, no shop names, not even which household is reading. What it costs Free, for as long as you like: one household, two people, four accounts — with every import, every currency and every export included. Paid plans add bank connections that feed themselves, more households and people, accounts without limit, and no adverts for anybody in the household. One subscription covers everybody you share the budget with. Stop paying and you drop back to the free plan. Everything you have ever entered stays exactly where it is: readable, searchable and exportable. No plan here limits how far back you can look.