We built SALDAT
because no European tool was enough
YNAB, Mint, Copilot, Spendee. They all look good. None of them was right for us here in Europe.
🌍 Why SALDAT?
Back in 2024 I wanted a proper picture of our family finances. I tried YNAB ($14.99 a month — beyond what an ordinary Slovak family will pay), Mint (Intuit shut it down on 23 March 2024, and it had never been available in the EU anyway), Copilot Money (Apple only — iOS and macOS, no Android and no web) and Spendee (no support for several currencies within one family, and none for Slovak banks).
None of them accounted for European reality: SEPA transfers, several currencies in one household (EUR, CZK, USD), GDPR-compliant hosting and CSV exports from Slovak banks (Tatra, SLSP, mBank, VÚB).
The existing tools were either too expensive for a European customer, or built for the American market with local specifics ignored.
⚡ What sets it apart
Daily ECB exchange rates, presets for Slovak banks, GDPR-compliant hosting in the EU.
Keep CZK, EUR and USD in one wallet, converted at ECB rates.
Money Personality, smart insights, an AI assistant — all evaluated locally.
Full CSV export whenever you want. Your data is yours.
Shares, ETFs and crypto alongside mortgages and loans in a single net worth figure.
Year-on-year comparison, a 90-day forecast, a GitHub-style heatmap and an annual review.
Edit or delete anything. None of the “once and for all” frustration.
Installable on your phone, with fuzzy search across all of your data.
👋 Who is behind SALDAT
I work in marketing and am doing a PhD alongside it. We built SALDAT as our own project, working together as a team — the idea came from a need of my own: to have financial analytics, a family and a personal budget, and task tracking all in one place.
I live in Bratislava, have a family and an eye for detail. We work on SALDAT as a small team, so every change passes through more than one pair of eyes before it reaches you.
📍 Where SALDAT is heading
22 pages, 30 help articles, full editing, a demo with 130+ transactions, Money Personality, ECB FX, Cmd+K and an installable PWA.
E-mail and password sign-up, password recovery, e-mail verification, Stripe plans and transactional e-mails.
A public landing page, ProductHunt and the Slovak/Czech equivalent of HackerNews. The goal is 500 sign-ups in the first month.
React Native for iOS and Android with the same experience. Push notifications for alerts and upcoming recurring payments.
Tatra, SLSP and mBank pulled automatically over Open Banking. No CSV upload — you just connect the account.
An OWASP review, penetration testing, GDPR compliance documentation and preparation for SOC 2.
💸 Business model
You pay per person, not per feature. Everyone gets all five modules, and the first 6 days are free.
All five modules, with no feature limits.
A family or a small team. You share each module separately.
A growing company with access management.
A larger team, the same price for every module.
No ads, no selling of data. For the long run and out in the open.
🤝 For investors
SALDAT is looking for a €50–150k pre-seed round for 12–18 months of runway:
- ● A second full-stack developer
- ● Mobile apps (React Native)
- ● PSD2 bank integration (5 Slovak and 5 Czech banks)
- ● Performance marketing — Google Ads, content, ProductHunt
- ● A security audit and GDPR compliance documentation
🌱 Write to me:
Try it now
For the first 6 days you get a full account with all five modules.