Specimen statement · illustrative figures
Every statement ends in a balance. This one ends in a year.
TLDR Money keeps three things in one place: what you spend, everything you own and owe, and the year those two numbers say you could stop working. Read it like a statement, because that is what it is.
Projected financial independence
Twelve years, on the figures below. Change what you save and the year moves while you watch it.
Section I
What you spent
The hard part of tracking by hand was never the discipline. It was the twelve seconds of typing at the till. So there are three ways to log a spend, and the record keeps which one you used.
| Date | Description | Logged | Amount |
|---|---|---|---|
| 03 Aug | Rent | Typed | 1,650.00 |
| 07 Aug | Groceries | Scanned | 128.40 |
| 09 Aug | Utilities | Scanned | 96.00 |
| 12 Aug | Dining | Spoken | 87.60 |
| 16 Aug | Transport | Spoken | 64.20 |
| 18 Aug | Coffee | Typed | 4.20 |
| Total spend | 2,030.40 | ||
Typed means one line, parsed — “coffee 4.20” and it is filed. Spoken means you say it walking out; recognition runs on your device, so the audio never leaves your phone. Scanned means you photograph the receipt, or several at once, and the text is read on the phone rather than uploaded.
Section II
What you own and owe
Values you maintain, not a feed from your bank. Nothing here arrived through a credential, an aggregator or an open-banking handoff — which is why the line above reads accounts linked: none.
| Item | Type | Value |
|---|---|---|
| Brokerage | Asset | 214,600 |
| Retirement account | Asset | 96,240 |
| Cash | Asset | 18,500 |
| Property | Asset | 340,000 |
| Mortgage | Owed | −248,900 |
| Car loan | Owed | −11,400 |
| Net worth | 409,040 |
One figure, moving over time. This is the number the projection reads, which is the reason it sits in the same app as your spending instead of in a spreadsheet you open twice a year.
Section III
The arithmetic, in the open
Financial independence is arithmetic, not a mood: what you hold, what you add, what it earns, and what you need it to cover. Every assumption is a row you can change, because a projection that hides its inputs is a guess wearing a suit.
| Input | Value |
|---|---|
| Net worth today | 409,040 |
| Added each month | 2,400 |
| Assumed real return | 5.0% |
| Annual spending need | 48,000 |
| Target, at 25× need | 1,200,000 |
Closing line
2038
Twelve years out. Coast, Lean and Fat are the same arithmetic with a different target, and each is one row away.
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No bank login. Ever.
No Plaid, no open-banking handoff, no credentials, no account aggregation. There is nothing to breach here because nothing is held. This is a permanent position, not a feature we have not got round to.
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No email access.
It does not connect to your inbox and cannot read your mail, because it never asks for the permission that would let it.
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No ads, referrals or commissions.
One revenue line: the subscription. A free finance app still has to make money, and that money usually comes from something being sold back to the person using it. We would rather charge for the app and leave you alone.
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You type what you spend.
That is the whole data path. It is also why this page can be brief about privacy instead of writing a long policy to explain itself.
Not issued yet
This statement is a specimen. Yours is coming.
The international app is in build, for the United States and the United Kingdom first, on iPhone and Android. There is nothing to sign up to yet — when there is, this page will say so rather than collecting addresses in the meantime.
If you want to be told, or you have something to say about what is here, write to us. It reaches the person building it, and that is the whole support tier.
Where this is, honestly
Automatic import is not part of it. You log your spends yourself, using one of the three methods in Section I. There is no bank connection and no inbox scanning — by design rather than by delay.
One currency per account, for now. You pick dollars, pounds or euros at signup and everything stays in it. If you earn in two currencies this release will not serve you well, and we would rather say so than have you find out.
Questions, or you think this is the wrong thing to build? Tell us — it comes straight to the person building it.