Loam: Budget & Spending

Loam shows where your money goes, and what you can do about it. QUICK ENTRY Add income and expenses in three seconds: one tap for the category, the app's own keypad for the amount. Track cash, bank, card and savings accounts separately; balances are always worked out from your transactions. GOALS AND STANDING PAYMENTS Set a savings goal and see what is left and when your current pace gets you there. Describe rent, bills and subscriptions once: you are reminded as they fall due, and they close themselves when paid. Import the CSV statement your bank gives you and file it by merchant in a few taps. Every month ends with a report on the one before. COMPARED WITH YOU Loam compares you with your own history, not with other people: • Month-end forecast that one-off payments like rent do not inflate • Categories running above your usual • Regular payments and subscription price rises • Small but frequent spending ("22 coffees a month") • Weekend versus weekday spending • Your 50/30/20 split and savings target SET BUDGETS Put a monthly limit on a category or on everything. Loam splits what is left over the rest of the month: "You can spend ₺83 a day." It tells you when a limit is passed or running fast; the suggested amount is your own usual month. PRIVATE Your data travels encrypted and is visible only to you. Download all of it as CSV and JSON whenever you like, and delete your account from inside the app. Loam is not a bank: it does not connect to your accounts or move money. Loam is about budgeting and spending habits; it does not give investment advice.