SALDAT
💰

Money

Personal finance that finally gives you an answer

Accounts, budgets, goals and a cash outlook. Not a spreadsheet you will not open for two months — a picture that keeps filling itself in.

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13 features in 3 areas

This is the module after you sign in. A real screen from the app, not an illustration. Click to open full size.

1 Every day

Transactions

Income and spending with categories, labels and a note. Quick entry in a single click.

Accounts

Current, savings, cash and cards. Balances are recalculated as you go.

Categories and rules

Your own categories, plus rules that file a payment automatically by its description.

Receipts

Photograph a receipt and the expense fills itself in.

2 Planning

Budgets

A monthly and yearly budget by category, with a warning when you go over.

Goals

You save for a specific thing and see when you will get there at this pace.

Recurring payments

Rent, insurance, instalments — generated on schedule.

Cash outlook

How much you will really have left until payday, counting what still has to go out.

3 Assets and reports

Net worth

Assets minus debts over time — the one number that tells the truth.

Loans

Repayment schedules, and how much of each instalment is principal and how much interest.

Property

Value, costs and yield if you rent it out.

Subscription audit

Finds recurring payments and shows how much a year quietly goes out on services.

Reports

Where the money actually goes — by category, period and account.

Frequently asked questions

Do I have to enter everything by hand?

No. Receipts are read from a photo, recurring payments generate themselves, and rules file a payment into a category automatically. A bank connection is ready for selected banks.

Will my partner see my personal spending?

Only if you share the Money module with them. Sharing is set per module, so you can share the family budget and keep business matters or Learning private.

How is this different from a spreadsheet?

A spreadsheet tells you what happened. This tells you what is coming — a cash outlook, a warning when you go over budget, and the date you reach your goal. And you do not have to maintain it.

Is my banking data safe?

We never see or store your bank login. Your data stays in the EU, is encrypted in transit, and you can export it or delete the account whenever you want.

Did not find your answer?

Write to us. We usually reply within one business day.

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