Caply

Caply is an offline treasury and vault allocation companion engineered for structured personal finance management, multi-tier savings planning, and capital discipline. Drawing inspiration from modern European neobank architecture, the application provides intuitive mathematical models to split income streams across dedicated capital vaults, evaluate milestone arrival trajectories, and forecast interest yields over custom time horizons. Operating completely offline without data collection or network synchronization, Caply delivers a focused analytical workspace for individuals seeking clarity across their financial distributions. Featuring an interactive multi-vault allocation wheel, dynamic velocity modeling, and a foreign exchange spread deconstructor, Caply simplifies complex financial planning computations into clean visual feedback. Users can model custom saving velocity rates to forecast target completion dates, dissect interbank mid-market exchange markups against legacy banking surcharges, and adjust proportional allocations with automated balance rebalancing. Designed with zero third-party dependencies and a minimalist titanium design language, Caply serves as a private, high-precision utility for daily capital governance.